Mortgage Loan Options

Competitive Mortgage Rates in St. George and Surrounding Areas

Primary Residential Mortgage, Inc., offers a wide range of home loan options to local borrowers in St. George and surrounding areas. We find the best available mortgage rates — including fixed-rate mortgages and adjustable-rate mortgages — that are best-suited to your unique situation.

Our team of mortgage professionals can talk to you about other possible mortgage loan options that may benefit you, including manufactured housing loans, 2/1 buy down mortgages and other government-backed mortgage loans. Check out some of our available options below.

Pre-qualification Mortgage Click to open answer

Pre-qualification is the first step in the mortgage process. Knowing up-front how much you can borrow will lead you to homes within your budget and save time in your home search. With PRMI, we help make mortgage pre-qualification in St. George and surrounding areas as quick and simple as possible.

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Refinance Click to open answer

Our refinance options in the St. George, Mesquite, and Hurricane areas can replace your existing home loan with a loan that may make your monthly payments less than they are currently.

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Disaster Relief Click to open answer

Nobody knows when disaster will strike. And even when we are aware of an upcoming potential natural disaster, we cannot always save our home from damage. For this reason, we provide disaster relief loans in the St. George area to homeowners who may have been affected by flooding or other natural disasters.

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First-Time Homebuyer Click to open answer

Buying your first home? At PRMI we can help you find a first-time homebuyer loan in St. George or surrounding areas. We consider your goals and financial situation to help you find a home loan that makes your first home buying experience as stress-free as possible.

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Low Credit Loan Click to open answer

At PRMI in Southern Utah, we want to help all borrowers achieve their goal of homeownership. For those with less than perfect credit, we offer low credit loans in St. George and surrounding areas that will help you buy your dream home, despite a bad credit score. Talk to us today so we can find the best rates for you.

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Reverse Mortgage Click to open answer

Seniors age 62 and older can benefit from a reverse mortgage loan in St. George. Insured by the Federal Housing Administration, this type of loan allows older homeowners to use their home as collateral and convert home equity into cash.

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Home Loan Click to open answer

When you’re preparing for homeownership, come to our mortgage professionals for help finding a suitable home loan in St. George and it’s surrounding areas. We will find the best home loan for you, according to your needs, wants, monthly income, credit score and ability to make a down payment.

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VA Loan Click to open answer

Through the United States Department of Veterans Affairs (VA) loan program, borrowers can purchase properties without a down payment. Find out today if you are eligible for a VA loan in the St. George area.

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FHA Loan Click to open answer

The Federal Housing Administration (FHA) insures home loans for low-to-moderate income borrowers who cannot make large down payments. If you have a credit score of 580 or higher and qualify for an FHA loan in the St. George, Mesquite, Northern Arizona or other surrounding areas, you can make a down payment of as little as 3.5 percent.

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USDA Loan Click to open answer

The United States Department of Agriculture (USDA) grants a zero-down-payment mortgage for eligible individuals and families living in certain rural and suburban areas. Get in touch with our mortgage professionals to find out if you qualify for a USDA home loan in St. George or surrounding areas.

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Conventional Click to open answer

Conventional home loans are not insured by government agencies such as the Federal Housing Administration, the United States Department of Agriculture or the Department of Veterans Affairs. However, they are very popular due to the predictable mortgage payments at a locked in rate. Conventional home loans in St. George are a great option if you’re looking for fixed terms that stay in place for the life of the loan.

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