(203) 743-9985

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(203) 743-9985

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Your Trusted Middletown, NY Mortgage Lender

At this time Prysma is only licensed to provide mortgages in the NY, CT, MA & FL.

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Here at Prysma Lending Group, our team of Mortgage Loan Originators is here to serve clients in the Middletown, NY area for any mortgage loan needs. We have two locations in Connecticut at 18 Padanaram Rd, Danbury, CT, and 4750 Main St, Bridgeport, CT, to help you through the mortgage loan process.

Our team can provide individuals and families with both conventional and unconventional loans. The mortgage loan originators will assist you with the process and help you understand the options and rates for your Middletown mortgage.

Get started today by scheduling an appointment with our team to ask any questions you may have about our lending options. You can also give us a call at 1-855-782-0862 or, at your convenience, fill out the form to explore your Middletown loan options.

Your Different Middletown, NY 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 Steps To Homeownership In Middletown, NY

Our loan specialists at Prysma Lending Group are dedicated to assisting our Middletown clients through the mortgage and home buying process. We offer first-time homebuyers advice on relocating or even purchasing a new home.
The 4 step process is the best and simple process for your homeownership plan. The process can be stressful and exciting, but our team is here to help you at every step of the way for your Middletown home:



Pre-qualification is the first step of the buying process; our team of loan specialists will help you determine the best options for the amount of money that you are approved for to be able to purchase your home. The team of mortgage loan originators is steadfast in its commitment to ensuring that you choose the best loan option for your home needs.


Find Your Home & Make An Offer

The second step is to find a Middletown home that is perfect for your lifestyle. It is crucial to think about the price of your new home, location, and neighborhood safety ratings as factors for determining your new home. If you believe you have found your home, put in an offer to the seller and complete the negotiation process until you agree on the best price.


Loan Application

Now that you have an approved purchase price, our mortgage loan originator will complete the filing and make sure your mortgage loan application is secured. Our team will support you through the loan application process for your Middletown home.


Closing & Moving In

Finally, your mortgage application has been approved, and you can move into your new home. You will have to prepare for the upcoming closing and move into your brand new Middletown home that you have been searching for.


Understanding Middletown Home Mortgage Loans

Conventional Mortgage Loans in Middletown

The conventional loan is not covered or insured by government agencies such as the Federal Housing Administration (FHA) or the Veterans Administration (VA). Prysma, the lender, will handle the mortgage funding offering two conventional loan options:

● Fixed-Rate Loan: A fixed-rate loan will allow the borrower to make their down payment and monthly payments calculated based on a simple fixed rate. The loan payment will stay the same monthly.

● Adjustable-Rate (ARM) Loan: An adjustable-rate loan is a mortgage loan that starts with a rate and can fluctuate based on index rates and the current market conditions. ARM loans will have a negotiated cap that allows for a limit on the maximum increase rate. The ARM loans are best for Middletown clients that only want to keep their homes for a shorter period.

Non-Conventional Mortgage Loans in Middletown

● Federal Housing Administration (FHA) Loan: The Federal Housing Administration backs an FHA loan, but the loan is insured by the lender (Prysma). A lender can potentially offer a better deal for lower payments and interest rates. The applicant must have a valid social security number, lawful residency in the U.S., and two years of steady employment.

● Tax ID Loan: A Tax ID loan is excellent for individuals that do not have a social security number, a credit score, or a Green Card. Prysma is able to offer for clients who have an individual tax identification number (ITIN), passport, and are employed.

● Veterans Administration (VA) Loan: Veterans Administration loan is offered for our military clients, which allows for no down payments and lower interest rates. These loans require proof of military service, disclosure of financials, and confirmation for no dishonorable discharge.


Mortgage Refinancing in Middletown

Mortgage Refinancing Options: Middletown homeowners can reduce monthly mortgage payments, loan rates and increase equity in their homes with Prysma’s refinancing options. We are a lender that specializes in refinancing options that will fit with your financial and home needs for individuals or families.

Reverse Mortgage Options in Middletown

Reverse Mortgage Options: Reverse mortgages in Middletown allow for the reduction of monthly mortgage payments or interest rates. Our loan officers will work with you to ensure that this option is suitable for your individual needs.

Our Connecticut Home Loan Office Locations

The loan specialists for Prysma Lending Group have helped thousands of clients through the process of finding the home of their dreams through mortgages. Prysma has been at the top of the marketplace charts since 2003 as one of the best home lending groups. Our clients stay as our top priority for assisting them through the decision-making and mortgage process. We understand our client’s needs and ensure that our clients will have a mortgage that won’t add financial strains to individuals’ plans. You can meet with our loan specialists at our two Connecticut locations in Danbury and Bridgeport to see what your loan needs might be.
Prysma Office Locations:

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

Why choose Prysma As Your Home Lender In Middletown, NY


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 Middletown, NY


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 Middletown Loan Options?