(203) 743-9985

Hablamos Español

(203) 743-9985

Hablamos Español


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Your Trusted Conventional Mortgage Lender

Leader in Tax ID Loans & Mortgage Solutions

Prysma Lending Group has helped thousands of families since 2003 realize their dream of home ownership through ITIN/Tax ID Loans and traditional mortgage solutions.

Prysma is your trusted lender for Conventional Loans. We specialize in conventional loans with products and lending solutions designed for homeowners who want to buy their primary residence, second home, or rental property. 
We are here to make home ownership affordable throughout Connecticut, Florida, Massachusetts, New Jersey, New York, Pennsylvania, and Texas.  
We understand that finding the right type of home loan can be a frustrating process, but we are here to ensure that your buying process goes smoothly. 

Your Conventional Loan Options

The 4 Simple Steps To Homeownership

Prysma is here to help you through the home buying process whether this is your first house or you are relocating to a new area. Here is the simple 4-Step process to owning your own home.



You speak with one of Prysma’s licensed Mortgage Loan Originators to get pre-qualified for a loan up to a certain amount. This amount helps you determine the price range for the home that is right for you. Our loan specialists will take the time to answer all of the questions you have to help ensure you choose the best loan option for your needs.


Find Your Home & Make An Offer

After pre-qualification you can begin shopping for your home. When looking at different home options, make sure to consider all the different factors including price, location and safety of the neighborhood. After you choose the property you make an offer and negotiate with the seller on the final sales price.


Loan Application

You have your home chosen and a sales price is determined you revisit with Prysma’s Mortgage Loan Originator to apply and secure the perfect loan for your new home. Your dedicated loan specialist will personally guide you through each step of the loan process.


Closing & Moving In

Once your offer has been accepted and you have been approved for your mortgage you prepare for closing and move into your new home!

Get Started On The Journey Toward Homeownership Today!

Understanding Conventional Loans

What is a Conventional Loan?

Conventional loans are not insured by the Federal Housing Administration (FHA) or guaranteed by the Veterans Administration (VA).
Conventional loans are also known as “conforming loans” because they conform to rules set forth by Fannie Mae and Freddie Mac, two of the largest investors of conventional loans. These rules include a minimum FICO score of 620, a loan amount that does not exceed $453,100 for a single-family home.


Benefits of Conventional Loans

 Conventional loans offer some of the lowest down payments available.

 If you do make a down payment of 20% or more, generally no private mortgage insurance (PMI) is required.

 There is more flexibility in loan terms. You can choose from a repayment period between 10 and 30 years.

 Conventional loans can be used to buy primary residences, vacation homes and even investment properties between one to four units.

How do I qualify?

Qualifications required vary by the loan amount, repayment schedule and other factors. To improve your likelihood of qualification:

 Have a solid employment history with a steady income

 Keep a low debt-to-income ratio

 Maintain a good credit score

 Save up a down payment for your home between 3%-20%

Your Source for Conventional Loans

We’ve helped thousands of Latino families over the past twenty years realize their dream of home ownership and we can help you.

The Right Loan Options For Your Family

At Prysma Lending Group, we offer conventional loans (fixed-rate loans, adjustable-rate mortgages) and non-conventional loans (FHA loans, VA loans, Tax ID loans). We also offer refinancing options and reverse mortgages. Whatever your situation, we have the right loan option that fits your needs.

Your Dedicated Partners in Home Ownership

The mortgage loan process can look overwhelming, but it doesn’t have to be. You will have a dedicated, licensed mortgage loan originator to guide you through the process. They will sit down with you and answer all of your questions. We are here to help you navigate the waters of home ownership as your trusted partner.


Why Choose Prysma As Your Lending Provider


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


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.


Start your home purchase with the leader in Tax ID loans & mortgage solutions

Prysma is your trusted home loan provider, serving residents of Connecticut, Florida, Massachusetts, New Jersey, New York, Pennsylvania, and Texas. Prysma is here to make people realize their dream of home ownership is possible.
Our experienced loan professionals sit down with you to find the best rates and loan options for you and your family.
We understand that owning a home can seem daunting, but We support you through every step of the process of the home buying process.
Fill out the form or call today to learn which of our home loans is right for you. (203) 743-9985

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