Home Loan Options for Ellis County Homebuyers

We firmly believe that the best way to handle mortgages is for the borrower to be actively involved in the process every step of the way. From choosing between loan programs to understanding negotiating terms, we're here to help you with anything you need.

Below are some of the most commonly utilized loan programs we offer...

Jumbo Loans Click to open answer

These loans have higher loan limits that help you purchase high-value property. Low down payments are possible. Apply Now

Down Payment Assistance Click to open answer

Don’t have money saved to put down on your dream home? We have details on down payment assistance programs that are currently available for first-time buyers in north central Texas. Call on PRMI, and you may be able to buy the house you want with very little down – or even no down payment at all.

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Low-Credit Loans Click to open answer

Having a poor credit score or no credit history doesn’t have to mean putting your dreams of being a Texas homeowner on hold. PRMI has several low-credit loan options, including government-backed mortgages and home loans funded by private mortgage lenders, and our expert team can help you find a financing solution.

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Reverse Mortgages Click to open answer

If you own a Texas home and you’re at least 62 years of age, you may qualify for a reverse mortgage – which allows you to tap into the equity you’ve built up over the years. You can take the cash as a lump sum, opt to receive monthly payments or access the funds as needed.

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Construction Loans Click to open answer

Can’t find your dream home in Waxahachie, Midlothian or anywhere else in Ellis County, Texas? Build it instead – PRMI has access to mortgage lenders that offer new construction loans to cover the costs of labor, materials and landscaping. Or, if you’d rather update your current home, we can set you up with a renovation loan.  

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Refinance Loans Click to open answer

Refinancing your current mortgage can result in a lower monthly payment, lower interest rate and more favorable terms. A refinance loan can also help you put an end to paying private mortgage insurance (PMI) – plus, by refinancing, you can pay off your debts and enjoy more financial freedom every month.

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Mortgage Pre-Qualification Click to open answer

Get in touch with PRMI, and we can get you pre-qualified for a home loan. The process takes just a few minutes of your time, but the results – knowing how much mortgage lenders will likely allow you to borrow – makes it easier to shop for your ideal Ellis County home.

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VA Loans Click to open answer

VA loans help make homeownership more attainable for veterans and military service members. These loans are federally insured and available with no down payment.* Plus, they don’t require private mortgage insurance.

*Closing costs and fees may still apply.

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FHA Loans Click to open answer

FHA loans come with low down payment options and lenient credit requirements. These federally insured loans are designed to help more people achieve their homeownership goals. Apply Now

USDA Loans Click to open answer

USDA loans are government-insured loans that help people purchase homes in rural areas. These loans are often available with low or no down payment.*

*Closing costs and fees may still apply.

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Conventional Loans Click to open answer

Conventional loans offer affordable rates and flexible down payment options.  Apply Now

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