Mortgage Options for Every Kind of Borrower in Lake Dallas


Apply for a Mortgage in Lake Dallas

Our team is dedicated to helping you find the best mortgage options in Lake Dallas. When you work with us, you’ll find that we share your same goal: to find you a home loan with the least out-of-pocket money down and an affordable monthly payment.

As such, we offer several loan options. Here at PRMI Lake Dallas, we can help you apply for a 30- or 15-year conventional fixed-rate mortgages, adjustable-rate mortgages (ARMs) and a number of government-backed home loans.


Reverse Mortgage

Borrowers 62 and older with equity in their home can borrow against the value of their Lake Dallas property. Unlike a mortgage used to purchase a home, a reverse mortgage doesn’t require you to make monthly payments. Instead, the loan balance isn’t due unless you move, sell your home or pass away.

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Disaster Relief Loan

If disaster strikes and your home sustains damage, you can apply for low-interest, long-term relief in Lake Dallas. The disaster relief loan is applicable for those living in declared disaster areas. You may apply for up to $200,000 to repair or replace parts of your home to its pre-disaster state.

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Are you in the U.S. military? Whether you’re on active duty or former military, you can apply for a VA loan in Lake Dallas. This is a great loan option that requires no down payment or private mortgage insurance and also has low interest rates and closing costs.

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FHA Loan

A relatively low down payment and less-stringent guidelines are two of the main benefits you can enjoy when you apply for an FHA loan in Lake Dallas. Your credit score can be as low as 580 and you can pay as little as 3.5% down with this loan.

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Do you want a zero-down-payment mortgage? That’s possible with a USDA loan. If you’re looking for a house in rural or suburban Lake Dallas, you can apply for this loan. As an added benefit, the USDA prioritizes applicants with the greatest needs, such as those who can’t get a home loan from traditional sources.

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Conventional Loan

Conventional loans come in fixed-rate programs that are offered with 15- or 30-year options. Some of advantages of applying for conventional loans in Lake Dallas are potential savings on mortgage insurance, lending flexibility and protection against unexpected mortgage rate increases. These benefits make conventional loans one of the most common and attractive loan options available.

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New Construction Loan

If you can’t find your dream home, you can build it with a construction loan from PRMI Lake Dallas. Consult with our expert loan agents in Lake Dallas to find out if you’re qualified for a new construction loan.

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The purpose of PRMI Lake Dallas pre-qualification screening is to assess your financial health and help us determine how much you can pay toward your mortgage each month. With this information, we can better help you find mortgage terms that are best suited for your personal situation.

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Pay off your current home loan by obtaining a new loan with better terms and a lower interest rate. Not only can you lower interest rates through refinancing your Lake Dallas home, but you can also shorten or convert the term of your mortgage.

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Low Credit

One of the biggest challenges aspiring homebuyers in Lake Dallas may face when applying for a loan is a low credit score. Typically, you need a strong credit score to get a home loan. But with the assistance of our expert loan agents, you can qualify for a home loan with a credit score as low as 580.

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Home Loan

Need help financing your dream home in Lake Dallas? Applying and getting approved for a home loan is the way to go. However, this can prove challenging if you have a low credit score. If that’s the case for you, turn to the mortgage experts at PRMI Lake Dallas for assistance.

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First-Time Homebuyer

Planning on buying your first home? Did you know that local and state government offices in Lake Dallas and the surrounding areas offer financial assistance for first-time homebuyers? We’ll help you apply for these loan programs. If you qualify, buying your first home might be easier than you ever imagined.

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