Mortgage Loan Options

At Primary Residential Mortgage, we offer a wide range of loan options to our local borrowers. We have a full list of 30- and 15-year fixed rate mortgages for those looking to go the traditional route, along with adjustable-rate mortgages (ARMs) for those interested. We also feature programs like manufactured housing loans and 2/1 buy down mortgages.

In addition, we can help line you up with several different government-backed mortgage loan options:


Have a loan professional review your financial situation and determine your readiness to buy a home. With our help, you’ll learn how much you can borrow and the price range you have to work with. It is a non-binding process and can help you as you prepare to become a homebuyer. Submit your documents for pre-qualification today. 

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Get your monthly mortgage payments lowered by applying for mortgage refinancing. Refinancing pays off your first loan and lets you start afresh with a new one. You can get a better interest term and rate on this second loan.

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Low Credit Loan

A low credit score can be a hindrance for many aspiring homebuyers, but it doesn’t necessarily have to be. With a low credit loan, you don’t have to wait until your credit score improves before you can buy a house. As long as you meet the relevant requirements, you can own a home. Contact us to learn more about low credit loans.

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Down Payment Assistance

What if you want to buy a house but don’t have enough money saved up for the down payment? Applying for down payment assistance is a great option. With this loan, you can set your closing date and get your name on the title of your new home as soon as possible.

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Reverse Mortgage

Convert part of your home’s equity into cash with a reverse mortgage. If approved, you won’t have to make any monthly mortgage payments. You may apply for this loan if you’re at least 63 years old. Learn the rest of the requirements for a reverse mortgage.

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Get the financing you need to build the house of your dreams. Pay only the interest on your loan during the construction period, and once your home is built, you’ll have reduced your subsequent monthly amortizations. 

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Apply for a home loan guaranteed by the U.S. Department of Veterans Affairs if you are an eligible veteran or the surviving spouse of a service member. A VA loan lets you buy a house with zero down. You also pay lower monthly amortizations with no mortgage insurance premiums.

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Already found a house you want to buy? With a Federal Housing Administration (FHA) loan you only have to put down 3.5% of the purchase price. Learn more about the requirements and application process for an FHA loan.

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Buying a home in rural communities or the outskirts of urban centers is a great fit for the USDA loan program. As part of the Rural Development Guaranteed Housing Loan Program, this loan lets you buy a house with zero down.  

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Speed up the home buying process by applying for a conventional mortgage. Although not secured by a government agency, this type of home loan offers benefits, such as shorter processing time, low-to-zero private mortgage insurance (PMI) and affordable interest rates. 

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