(203) 743-9985

Hablamos Español

(203) 743-9985

Hablamos Español


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Your Trusted Home 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.

We are your trusted home loan provider, serving residents Connecticut, Florida, Massachusetts, New Jersey, New York, Pennsylvania, and Texas.  
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. 

Loans Options We Offer

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

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!


Understanding Home Loans


The Different Parts Of A Home Loan

There are three main choices that make up your home loan. These are the loan term, interest rate type and loan type. Not all home loans are the same. Understanding these three key parts will help you determine the right lending option for your needs.

Loan Term

The term of your loan is how long you have to repay the loan. The term affects the monthly principal and interest payments, your interest rate and how much interest you pay over the life of the loan. Common loan terms are 30 years or 15 years.

Interest Rate Type

Your loan interest rate comes in two basic types: fixed and adjustable interest rates. Your choice in interest type will determine if your interest rate can change, whether the monthly principal and interest payment can change and its amount and the interest you pay over the life of the loan

Loan Type

There are several different loan types that you can choose from. The different loan types include conventional loans, FHA loans or special programs. Your choice of home loan affects how much you will need for a down payment, the total cost of the loan including interest and how much you can borrow and the price of home you can consider.

Common Home Loan Terms

● Term – The time period for your loan.

● Principal – The amount of debt, not counting interest, left on a loan.

● Down Payment – The amount of cash a homebuyer pays to make up the difference between the purchase price (plus closing costs and fees) and the mortgage amount. Usually, 20 percent of the purchase price is the required down payment to avoid having to pay for private mortgage insurance.

● Interest Rate – The annual interest on a loan, based on a percentage of 100. The lower your interest rate, the lower your monthly payment.

● Origination Fee – The fee charged by a lender for processing a loan

● Pre-approval – Getting pre-approved for a mortgage requires that you complete a mortgage application and supply a lender with all the necessary documentation to check your financial background and credit rating. You will then be told the exact mortgage amount for which you are approved.

● Pre-qualification – Occurs when a lender estimates what size loan, usually a mortgage, you can afford. A prequalification estimate is non-binding.

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.

Ready To ExploreYour Loan Options?