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Your Trusted New York 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 lender for all conventional & unconventional loans in the New York region.

Prysma has assisted families within the New York region and made them understand that they do have the option to own their own home.

Our organization of experts will work with you and explore all of the best possible loan choices, loan rates, and extraneous details surrounding your mortgage.

Your New York 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 New York

Prysma is here to support you through the home purchasing process whether you are a first-time home buyer or you are moving to the New York area. Here is our simple 4-Step process.

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Pre-qualification

Speak with one of Prysma’s licensed Mortgage Loan Originators if you want to get pre-qualified for a loan up to a specific amount. This sum helps you discover the price range for the New York home that is perfect for your current situation. Our loan professionals will take the time to explain everything to you to make certain you pick the best loan choice that fits your needs.

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Find Your Home & Make An Offer

After pre-qualification, you can start shopping for your New York home. When browsing the different home possibilities, be certain to consider all the various factors including location, price, and safety of the neighborhood. When you select the home, you make an offer and negotiate with the seller on the closing sales price.

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Loan Application

After you have your New York home picked and a final sales price is settled, you revisit with Prysma’s Mortgage Loan Originator to apply and acquire the ideal loan for your new home. Your committed loan expert will personally lead you through the steps of the loan process.

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Closing & Moving In

After your proposal has been accepted and you have been approved for a mortgage then you begin the closing process. Finally, you move into your new New York home!

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Understanding New York Home Mortgage Loans

Conventional Mortgage Loans in New York

Conventional loans aren’t guaranteed and insured by the Federal Housing Administration (FHA) or the Veterans Administration (VA). Basically, because there is no governmental financing, the lender (us) is accountable for all mortgaging. These are our New York conventional loan options at Prysma:

● Fixed-Rate Loan: These are ideal for a New York homeowner who prefers regular month-to-month payments and financing. In trade for a certain down payment amount, monthly payments will be considered and priced at a single fixed rate. There won’t be any reason to guess what your mortgage amount will be based on market and interest elements.

● Adjustable-Rate (ARM) Loan: ARM loans are good for New York homeowners who plan to keep their house for a short period of time. These loans have a lower rate throughout the set initial period and then vary according to market variables and index rates. Your rate could be lower or higher during different months, but an interest cap is agreed on and put on your New York mortgage, restricting the maximum your rate can increase.

Non-Conventional Mortgage Loans in New York

● Federal Housing Administration (FHA) Loan: The Federal Housing Administration is government-backed and guarantees these loans through your New York lender. Basically, we can offer you a better deal possibly one with a lower down payment, lower closing price, or lower interest rates. Borrowers must hold a valid Social Security number, lawful residency in the U.S. and have consecutive employment history within the preceding two years.

● Tax ID Loan: These kinds of loans are the proper fit for Non-U.S. citizens who do not hold a Social Security number, credit score, or Green Card. We extend loans to workers in New York who possess a passport and Individual Tax Identification Number (ITIN).

● Veterans Administration (VA) Loan: If you’re a military veteran searching for a mortgage loan in New York, our VA loan opportunities may be ideal for you! Most of our VA loans don’t need a down payment and have low-interest rates compared to conventional loans. The requirements for this loan include proof of military service, that you haven’t been dishonorably discharged, and previous financials.

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Mortgage Refinancing in New York

Mortgage Refinancing Options: Refinancing is normally used when you want to adjust your monthly payments. This can either be an increase or decrease in your interest rate or monthly payments to pay off your mortgage faster or pay less through the loan’s lifetime. At Prysma, we try to make your New York mortgage around your lifestyle and financial needs. Refinancing is often helpful for New York homeowners.

Reverse Mortgage Options in New York

Reverse Mortgage Options: A reverse mortgage loan is intended for homeowners over 62-years-old and ready to swap equity for cash. Instead of making monthly payments on your mortgage, you swap your part equity (ownership) of the home and we pay you monthly. This is an attractive choice for retirees needing income to live on a monthly basis. The borrower isn’t obligated to repay the lender until the house is sold or vacated.

Our New York Home Loan Office Locations

Prysma provides both conventional and unconventional mortgage loans in New York and all throughout Connecticut. You are not obligated to come to our offices to finish the loan process as it can be done over the phone or online.
However, if you prefer coming into one of our physical locations, we currently have two Connecticut offices:

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

Cities We Service In New York

    Albany

    Auburn

    Binghamton

    Buffalo

    East-Meadow

    Elmont

    Elmira

    Freeport

    Garden City

    Glen Cove

    Harrison

    Hempstead

    Groton

    Hicksville

    Ithaca

    Jamestown

    Kingston

    Kiryas-Joel

    Lindenhurst

    Lockport

    Long Beach

    Middletown

    Mount Vernon

    New Rochelle

    New York City

    Niagara Falls

    North Tonawanda

    Ossining

    Peekskill

    Port Chester

    Poughkeepsie

    Rochester

    Rockville Centre

    Rome

    Saratoga Springs

    Schenectady

    Spring Valley

    Syracuse

    Troy

    Utica

    Valley Stream

    Watertown

    White-Plains

    Yonkers

Why Choose Prysma As Your Home Lender In New York

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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 Connecticut

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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 New York Loan Options?