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Your Trusted Florida 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 credible lender for all your conventional & unconventional loan needs in the Florida region.

Prysma has worked with families within Florida and helped them understand that they do have the choice to own their own home.

Our group of experts will work with you to explore the best potential loan options, loan rates, and specific details about your mortgage.

Your Florida 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 Simple Steps To Homeownership In Florida

Prysma is ready to support you with the home buying process whether you are a first-time home purchaser or are moving to the state of Florida. Here is our easy 4-Step process.

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Pre-qualification

Talk with one of Prysma’s licensed Mortgage Loan Originators if you are ready to get pre-qualified for a loan up to a particular sum. This amount helps you find the right price range for the Florida home that is ideal for your current position. Our loan experts always take the time to describe the process to you to ensure you choose the most optimal loan selection that matches your needs.

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Find Your Home & Make An Offer

Upon pre-qualification, you can commence shopping for your Florida home. When considering your home possibilities, don’t forget to examine the different elements including location, price, and safety of the neighborhood. When you choose a home, you prepare an offer and negotiate with the seller on a closing price.

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Loan Application

After you have chosen your Florida home and settled on a final sales price, you speak with Prysma’s Mortgage Loan Originator to apply and obtain the perfect loan for your new chosen home. Your committed loan professional will help you move through and finish the steps of the loan process.

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Closing & Moving In

After your proposal has been received and you are approved for a mortgage, then you begin the steps of the closing process. Once everything is completed, you can move right into your new Florida home!

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Understanding Florida Home Mortgage Loans

Conventional Mortgage Loans in Florida

Conventional loans aren’t backed and insured by the Federal Housing Administration (FHA) or the Veterans Administration (VA). Basically, since there isn’t any government financing, the lender (us) is liable for all mortgaging. Here are our Florida conventional loan options at Prysma:

● Fixed-Rate Loan: These are ideal for the Florida homeowner who favors consistent monthly payments and financing. In exchange for a certain down payment cost, monthly payments are discussed and priced at a single fixed rate. You won’t have to try to figure out what your mortgage will cost based on market and interest variables.

● Adjustable-Rate (ARM) Loan: ARM loans are great for homeowners in Florida that plan to retain their home for a brief period of time. These loans have a lower rate through the initial period and then fluctuate according to index rates and market conditions. Your rate could possibly be more or less across different months, but an interest cap is determined at the start and put on your Florida mortgage, limiting the maximum your rate can climb.

Non-Conventional Mortgage Loans in Florida

● Federal Housing Administration (FHA) Loan: The Federal Housing Administration is backed by the government and insures these loans through your Florida lender. We can propose you a better wager perhaps one with a moderate down payment, lower closing cost, or reduced interest rates. Borrowers must possess a valid Social Security number, lawful residency in the U.S. and have continuing employment history within the previous two years.

● Tax ID Loan: This type of loan is a good fit for Non-U.S. citizens who do not possess a Social Security number, credit score, or Green Card. We offer loans to Florida workers who possess a passport and Individual Tax Identification Number (ITIN).

● Veterans Administration (VA) Loan: If you’re a military veteran trying to find a mortgage loan in Florida, our VA loan selections may be right for you! When compared to conventional loans, many of our VA loans have lower interest rates and don’t need a down payment. The conditions for this loan include proof of military service, evidence that you haven’t been dishonorably discharged, and past financials.

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Mortgage Refinancing in Florida

Mortgage Refinancing Options: Refinancing is frequently used when a homeowner would like to adjust their monthly payments. It can either increase or decrease your interest rate or monthly payments to pay off your mortgage quicker or pay less over the loan’s lifetime. At Prysma, we strive to make your Florida mortgage fit your lifestyle and financial requirements. Refinancing is extremely useful for Florida homeowners.

Reverse Mortgage Options in Florida

Reverse Mortgage Options: A reverse mortgage loan is meant for homeowners who are over 62-years-old and willing to swap equity for cash. Instead of making month-to-month payments on your mortgage, you exchange your part equity (ownership) of your home and receive a monthly payment for it. This is an attractive option for retirees needing income to survive on a monthly basis. The borrower isn’t required to repay the lender until the home is vacated or sold.

Our Florida Home Loan Office Locations

Prysma extends both conventional and unconventional mortgage loans in Florida and all throughout the state of Connecticut. You are not required to visit our physical location to complete the loan process as it can be prepared online or via the phone.
However, if you would like to visit our physical offices, we currently have two offices in Connecticut:

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

Cities We Service In Florida

    Boca Raton

    Boynton Beach

    Cape Coral

    Clearwater

    Coral Springs

    Davie

    Daytona Beach

    Deerfield Beach

    Delray Beach

    Deltona

    Fort Lauderdale

    Fort Myers

    Gainesville

    Hialeah

    Hollywood

    Homestead

    Jacksonville

    Kissimmee

    Lakeland

    Largo

    Lauderhill

    Melbourne

    Miami Beach

    Miami

    Miami Gardens

    Miramar

    North Miami

    Orlando

    Palm Bay

    Palm Coast

    Pembroke Pines

    Plantation

    Pompano Beach

    Port St. Lucie

    St. Petersburg

    Sunrise

    Tallahassee

    Tamarac

    Tampa

    Woburn

    Weston

Why Choose Prysma As Your Home Lender In Florida

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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.

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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 Florida

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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.

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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 Explore Your Florida Loan Options?