Mortgage Calculator

Our mortgage calculator gives you a comprehensive summary of what your mortgage repayment would look like. It takes into account various factors, including your home’s value, your down payment, and the loan amount.

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Loan Options

Borrowers in southern Utah, northern Arizona and Nevada have varying home-loan needs and repayment capabilities. So we provide a comprehensive range of loan options, from conventional to government-insured loans.

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Loan Originators

Our team of licensed and trained mortgage professionals in St. George and the surrounding areas help local residents realize their dream of homeownership. We provide tailored mortgage solutions for homebuyers with our extensive knowledge of the local market.

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Trusted Mortgage Company Serving Southern Utah and the Surrounding Areas

Primary Residential Mortgage, Inc.-Sun Home Loans, is an established national mortgage lender with a strong local presence in St. George, Hurricane, Mesquite, Northern Arizona and surrounding areas. We have simplified the process of home financing so that you can expect a positive, personal experience with us.

Our team of specialized mortgage professionals understands that the overall home-loan process can sometimes seem overwhelming. For this reason, we have developed a convenient, streamlined application process for pre-qualification and an efficient in-house underwriting system to help make buying a home an easier and more efficient process for our customers.

Moreover, our team provides a wide variety of loan programs for you to choose from including conventional and government-backed loans. We have been in the industry since 1986, so we have many years of experience finding the right mortgage for each client’s specific situation.

We look forward to helping you achieve homeownership. Get in touch with Joyce Steed, the branch manager of our Sun Home Loans mortgage company serving St. George, Hurricane and Mesquite, so we can get started on your home loan today.

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Primary Residential Mortgage, Inc.-Sun Home Loans, proudly serves clients in St. George, Hurricane, Mesquite, Northern Arizona and all surrounding areas.

We keep an eye out for local mortgage trends and pay close attention to your unique home loan needs and desires providing a positive and personalized experience for each client.

We Make Things Simple

As a local experienced mortgage lender, we understand that you might feel overwhelmed about home loan options, down-payment rates and monthly repayments. At PRMI Southern Utah, we streamline the process and explain every step throughout the entire home loan process.

We Answer All Your Concerns

We provide numerous home loan options, including conventional loans and government-insured loans, such as FHA, VA and USDA loans. And we look into your current situation and goals to determine which one is most suitable for you.

Our application process is simple and streamlined and we have an in-house underwriting process that will put you in your new home as quickly as possible.

Oct 25, 2018 12:29 AM

by: Primary Residential Mortgage, Inc.

Whether you’re a first-time buyer or a seasoned real estate investor, getting the best mortgage rate possible is a vital consideration. At Primary Residential Mortgage, it’s our goal to get the best available option for you and your family.

One such option is an FHA loan. “FHA” stands for Federal Housing Administration, and these are loans that this government organization covers with federally-backed guarantees. Rather than you, the borrower, mortgage insurance is covered by the government. There are several other great benefits of FHA loans – let’s look at a few.

Rates and Credit Scores

Everyone wants a good mortgage rate, and you’ll get one with an FHA loan. A credit score of 660 will qualify you for an FHA interest rate equivalent to what a score of 740 would have gotten you in a conventional loan format, normally a sizable difference in credit scores.

Qualification Thresholds

There are several requirement areas where FHA loans are far less stringent than other popular loan formats. The first of these is credit score, for which requirements are far lower across the board

In addition, you’ll also pay a much lower down payment – as low as 3.5 percent in some cases, compared with the standard 20 percent for conventional loans. There are no prepayment penalties, and we may even be able to offer down payment assistance if you’re in need of it.


Because of their flexibility, FHA loans are often used for refinancing projects. In many cases, you can finance nearly 100 percent of your home in these situations.

Closing Costs

Closing costs are often a large expense, but this can be reduced with FHA loans. FHA loans allow the seller to pay up to 6 percent of the buyer’s closing costs, double the normal amount allowed.


An “assumable” loan means that buyers are allowed to take over an existing loan instead of taking out a new one. This is another area of flexibility, one that allows the buyer to choose the best option – either assuming the old loan at the same rate, or getting a new loan with a better market rate available. Since there are no penalties here, the choice is usually simple.

To learn more about FHA loans, or any of our mortgage services, speak to the brokers at Primary Residential Mortgage today.



*The views and opinions expressed are my own and do not necessarily represent the official policy or position of Primary Residential Mortgage, Inc.

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