(203) 743-9985

Hablamos Español

(203) 743-9985

Hablamos Español


  • icon
  • icon

Your Trusted Meriden, CT Mortgage Lender

At this time Prysma is only licensed to provide mortgages in the NY, CT, MA & FL.

Thank you!

We will contact you shortly

Can't send form.

Please try again later.

If you’re seeking a trusted lender for conventional & unconventional loans within the Meriden area, you’ve come to the right place.

Prysma has helped families within the Meriden area discover that they do have the option to own their own home.

The Prysma team will sit down with you and discuss all of the best possible loan options, rates, and circumstantial factors contributing to your mortgage.

Our team is also open to meeting with you in-person. In fact, we have two offices for you to come by and speak with someone:

    18 Padanaram Rd, Danbury, CT
    4750 Main St, Bridgeport, CT

To start on your path to home ownership, fill out the form to the left, or call us today at: (855) 950-0202

Your Different Meriden, CT Mortgage Loan Options

Tax ID Loans

Conventional Loans

Non Conventional Loans

Adjustable Rate Loans

FHA Loans

Fixed Rate Loans

Reverse Mortgages

Home Refinancing

The 4 Steps To Homeownership In Meriden, CT

Prysma will assist you throughout the home buying process. Whether this is a relocation or your first house in the greater Meriden area, there is the simple 4-Step process:



One of Prysma’s licensed Mortgage Loan Originators can help you with the pre-qualification process. A member of our team will work to get you pre-qualified for a loan up to a certain amount. The amount determined by the pre-qualification will help to establish the price range for what you can afford in a Meriden home. Our loan specialists are always available to answer questions. With so many loan options, we want you to be educated and choose the best loan option for your needs.


Find Your Home & Make An Offer

You can begin shopping for your Meriden home immediately following the pre-qualification process. There are a number of factors to take into account when deciding on a property: price, location and safety among others. These are critical factors when looking at different home options. After you choose the perfect property for you, it is time to make an offer and negotiate with the seller on the final purchase price.


Loan Application

In order to apply and secure the right loan for your ideal new home (once you’ve decided on it and the sales price has been determined), it’s time to visit Prysma’s Mortgage Loan Originator again. One of our dedicated loan specialists will personally guide you through each step of the loan process.


Closing & Moving In

Once the seller has accepted your offer and you have been approved for your mortgage, the closing process will begin. Now is the time to prepare to move into your new Meriden home!


Understanding Meriden Home Mortgage Loans

Conventional Mortgage Loans in Meriden

Conventional loans, for which there is no governmental financing, are backed and insured by either the Federal Housing Administration (FHA) or the Veterans Administration (VA). Prysma is responsible for all mortgaging. Prysma offers the following Meriden conventional loan options:

● Fixed-Rate Loan: A Meriden homeowner who is reliable with steady month-to-month with payments might want to borrow a Fixed-Rate Loan. We will discuss your monthly payments with you and then, in exchange for an agreed upon down payment, assign on one simple fixed rate. This way, there’s no guessing what your mortgage payment will be based on market and interest variables.

● Adjustable-Rate (ARM) Loan: Meriden homeowners who plan to own a house for a short term might want to go with an ARM loan. During the determined initial period, these loans have a lower rate. Once this period is up, the loan rates fluctuate depending on market conditions and index rates. An interest cap is negotiated and placed on your Meriden mortgage, thus limiting the maximum your rate can increase. Your rate might be higher or lower depending on the month.

Non-Conventional Mortgage Loans in Meriden

● Federal Housing Administration (FHA) Loan: Prysma, your Meriden lender, also offers government-backed Federal Housing Administration insures FHA loans. Prysma can offer you a better deal possibly including a lower down payment, lower closing costs, or lower interest rates. In order to go the route of an FHA loan you will need a Social Security number, lawful residency in the U.S., and a steady two-year employment history.

● Tax ID Loan: These loans are a good option for Non-US citizens in the Meriden area who do not have a Social Security number, Green Card, or credit score. If you have a passport and Individual Tax Identification Number (ITIN), you might be eligible for a Tax ID loan.

● Veterans Administration (VA) Loan: Meriden military veterans are eligible for our Veterans Administration (VA) loans! Most of our VA loans don’t require a downpayment and have very low interest rates as compared to conventional loans. To take out a VA loan, you’ll need proof of military service, proof that you haven’t been dishonorably discharged, and prior financial records.


Mortgage Refinancing in Meriden

Mortgage Refinancing Options: If you want to adjust to your monthly payments, refinancing might be a good choice for you. Refinancing increases or decreases your interest rate or monthly payments so that you can pay off your mortgage more quickly or pay less through the lifetime of the loan. Prysma aims to structure your Meriden mortgage to meet your financial needs and lifestyle. Refinancing is often a great option for Meriden homeowners.

Reverse Mortgage Options in Meriden

Reverse Mortgage Options: Connecticut residents over the age of 62 who want to exchange equity for cash might benefit from a Reverse Mortgage. Those with reverse mortgages exchange part equity (ownership) of the home for monthly payments rather than making monthly payments for your mortgage. Retirees in search of income to live on month-to-month often do well with this option. With reverse mortgages, the borrower isn’t required to pay back the lender until the home is sold or vacated.

Our Connecticut Home Loan Office Locations

Prysma offers both conventional and unconventional mortgage loans in Greater Meriden and all throughout Connecticut. You are not required to visit our offices to complete the loan process as each step can be accomplished over the phone or online.

However, if you would like to stop by one of our locations, we have two Connecticut offices:

    18 Padanaram Rd, Danbury, CT
    4750 Main St, Bridgeport, CT

Why choose Prysma As Your Home Lender In Meriden, CT


Focused on Hispanic Homeownership

We know that not everyone gets treated equally in the home-buying process. We’re here to correct that for members of our community.


20+ Years of Experience

We’re passionate about what we do, so it’s easy for us to keep growing and delivering home loans to Hispanic families throughout Meriden, CT


We’re Honest And Transparent

We want to make your home-buying experience as clear and accessible as possible. We will always be upfront with you about your options.


We Find Solutions

The home-buying process can be challenging. We’ll help you navigate your options and find the home loan that’s perfect for you.

Ready To ExploreYour Meriden Loan Options?