(203) 743-9985

Hablamos Español

(203) 743-9985

Hablamos Español


  • icon
  • icon

Your Trusted Cape Coral, FL 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.

Prysma is here to serve Cape Coral as the area’s trusted mortgage lender. Whether you are in need of conventional or unconventional loads, we’re here to help. We take pride in the countless amount of families we have assisted in the home buying process.

Our team of mortgage loan experts is ready to meet with you in person or over the pgone Upon meeting, whether on the phone or in person, our dedicated mortgage loan experts will explain the best loan options, loan rates and any other specific questions you may have. Our two offices can be located at:

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

Fill out the form to the left or call us today in order to begin your new and exciting journey into homeownership. We can be reached at: (203) 743-9985.

Your Different Cape Coral, FL 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 Cape Coral, FL

At first, the home buying process can seem overwhelming. Whether you are relocating to Cape Coral or in the process of buying your first home, Prysma can help. We’ve broken it down into a four-step process:



To pre-qualify for a loan, the first step is to meet with a licensed mortgage loan originator. After you are pre-qualified for a specific amount, you can figure out more specifics for you new home such as price range. Our professionals are here to guide you through the process, and to clarify any questions you may have. We’re committed to finding the best loan for you and your family.


Find Your Home & Make An Offer

The next step is finding your home! There are many aspects of a home to consider including price, location and the safety of your neighborhood within the Cape Coral area. After you find the one, you will need to make an offer and negotiate with the seller.


Loan Application

After you have agreed to the final price of the home and you have signed and accepted the offer, then you will return to Prysma. Here you will be able to meet with our Mortgage Loan Originator in order to apply for your loan for your home. For each step of this process, your loan specialist will assist you.


Closing & Moving In

Final steps for closing the property will follow and then, finally, you will be able to move into your new Cape Coral home!


Understanding Cape Coral Home Mortgage Loans

Conventional Mortgage Loans in Cape Coral

Prysma is not backed by the government, and is therefore fully responsible for all mortgaging in conventional loans. The Federal Housing Administration (FHA) and the Veterans Administration (VA) are not involved in insuring or backing these loans. Here are the conventional loans we offer Cape Coral buyers:

● Fixed-Rate Loan: If you are a Cape Coral homeowner looking to do fixed monthly payments, then this is the best option for you. For a fixed-rate loan, you put a set down payment for the investment and then after monthly payments are discussed, we are able to establish a fixed monthly rate for you. Fixed-rates always stay the same and never change.

● Adjustable-Rate (ARM) Loan: If you are planning to stay in your new home for a shorter period of time, an adjustable-rate loan may be the smartest choice. A predetermined initial period offers a lower rate. After this period, rates fluctuate based on market conditions and index rates. An interest cap we negotiate will limit the amount your mortgage rate can increase. This means your monthly rates will fluctuate.

Non-Conventional Mortgage Loans in Cape Coral

● Federal Housing Administration (FHA) Loan: With an FHA loan the Federal Housing Administration will back and insure your loan through Prysma. There are some benefits to this type of loan including a smaller down payment requirement, lower closing costs, or a lower interest rate. In order to qualify, a buyer must have a valid Social Security number, lawful residency in the U.S., and a steady, two year employment history.

● Tax ID Loan: If you are a non-citizen and do not have a Social Security number, credit score, or Green Card you may qualify for a Tax ID loan. In order to qualify you need to have a passport and individual tax identification number (ITIN).

● Veterans Administration (VA) Loan: If you are a Veteran in Cape Coral, you may find a Veterans Administration loan is the best fit for your home purchasing needs. A number of these loans have very low interest rates and require no money down. In order to qualify a veteran must have prior financial history, proof of military services and proof that their charge was not dishonorable.


Mortgage Refinancing in Cape Coral

Mortgage Refinancing Options: Prysma offers mortgage refinance to allow you to make adjustments to your monthly payments. Refinancing can be used to increase or decrease your interest rate or monthly payments. This allows clients to pay off a mortgage more quickly or to decrease the amount paid through the lifetime of a loan. Prysma has the capability to tailor your mortgage to the lifestyle and needs of your family.

Reverse Mortgage Options in Cape Coral

Reverse Mortgage Options: If you are a homeowner over the age of 61 and are looking to increase your monthly income, then reverse mortgage may be the best option for you. Reverse mortgages allow you to have a regular monthly payment by using your existing equity. The equity in your home is then exchanged for cash each month, so instead of you having to pay us each month it is reversed. Repaying this money only needs to be done when the home is sold or vacated.

Our Connecticut Home Loan Office Locations

Conventional and Unconventional Mortgage Loans are the two types of loans our team at Prysma offer in Cape Coral and all throughout Florida. In order to complete the loan process, an office visit is not even necessary. Every step can be done either over the phone or online.

If you’d like to visit us in person, our two Connecticut offices are as follows:

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

Why choose Prysma As Your Home Lender In Cape Coral, FL


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 Cape Coral, FL


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 Cape Coral Loan Options?