(203) 743-9985

Hablamos Español

(203) 743-9985

Hablamos Español


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Your Trusted Mortgage Refinancing 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 refinancing home mortgage loans. Prysma has helped single homeowners and families refinance their mortgage to fit their needs.
We are here to make home ownership affordable throughout 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 are your dedicated partners in home ownership.

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!

Get Started On The Journey Toward Homeownership Today!

Understanding Loan Refinancing

What is Loan Refinancing?

Homeowners will refinance a mortgage when they need to make adjustments to monthly payments, interest rate, or a portion of their mortgage.
By working with a qualified lender, like Prysma, you can create a new financing agreement. This agreement can even have adjusted monthly payments that allow you to pay off your loan quicker or over a longer period of time. By restructuring your payments and interest rate, you’ll be able to save money and have less stress.


To Receive the Best Refinancing Options:

● Have excellent credit. A credit score of 720 or higher is ideal to be eligible for the best interest rates.

● Have 20% or more home equity (ownership) of your home. To gain equity you can buy it with a down payment, pay the premium down on your home or gain equity if the value of the home goes up.

When Should You Refinance?

● You are interested in reducing your interest rate to decrease costs over the lifetime of the loan. You should first check that the saved costs from the lower interest rate are enough to cover the closing costs of the new loan.

● You want to reduce risk by getting a fixed-rate loan. If you have an adjustable-rate mortgage (ARM), you may be at risk for increased rates which ‘adjust’ based on economic conditions. Moving to a fixed-rate loan offers reliable monthly payments.

● You are interested in reducing mortgage terms. If you want to reduce the length of the loan by accepting higher monthly payments you can reduce overall costs in the long-term.

● You need cash-out refinancing. If you need money to pay off expenses you can free up cash by borrowing against your current home equity.

Your Source for Refinancing Home Loans

We’ve helped thousands of Latino families over the past twenty years realize their dream of home ownership and we can help you.

The Right Loan Options For Your Family

At Prysma Lending Group, we offer conventional loans (fixed-rate loans, adjustable-rate mortgages) and non-conventional loans (FHA loans, VA loans, Tax ID loans). We also offer refinancing options and reverse mortgages. Whatever your situation, we have the right loan option that fits your needs.

Your Dedicated Partners in Home Ownership

The mortgage loan process can look overwhelming, but it doesn’t have to be. You will have a dedicated, licensed mortgage loan originator to guide you through the process. They will sit down with you and answer all of your questions. We are here to help you navigate the waters of home ownership as your trusted partner.


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.


Start your home purchase with the leader in Tax ID loans & mortgage solutions

Prysma is your trusted home loan provider, serving residents of Connecticut, Florida, Massachusetts, New Jersey, New York, Pennsylvania, and Texas. Prysma is here to make people realize their dream of home ownership is possible.
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.
Fill out the form or call today to learn which of our home loans is right for you. (203) 743-9985

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