Leader in Tax ID Loans & Mortgage Solutions
Prysma Lending Group has helped thousands of families since 2003 realize their dream of homeownership through ITIN/Tax ID Loans and traditional mortgage solutions.
Prysma is a top choice lender for non-conventional and conventional home loans in North Carolina.
We help families and individuals in North Carolina realize that owning their own home is possible.
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.
Your North Carolina Mortgage Loan Options
The 4 Simple Steps To Homeownership in NC
Ready To Explore Your North Carolina Home Loan Options?
Understanding North CarolinaHome Mortgage Loans
Conventional Mortgage Loans in North Carolina
The Federal Housing Administration and Veterans Administration do not back or insure conventional loans. Because there is no government financing, we, as the lender, are responsible for the mortgage. The following are our North Carolina conventional loan options at Prysma:
Fixed-Rate Loan
The fixed-rate loan is perfect for a North Carolina homeowner who is able to make a reliable monthly payment. The monthly payments will be set at one fixed rate in exchange for a set down payment. This eliminates the need to guess how market and interest changes will affect your payment.
Adjustable-Rate (ARM) Loan
ARM loans are a good fit for North Carolina residents who intend to keep the house for a short period. These loans offer a low rate for an initial period and vary with changing index rates and market conditions. This does mean your rate can vary month to month, but there is an interest cap placed on your North Carolina mortgage to limit the maximum increase.
Non-Conventional Mortgage Loans in North Carolina
Federal Housing Administration (FHA) Loan
With an FHA loan, the government backs and insures your mortgage through your North Carolina lender. This allows us to offer you a better deal, such as a lower down payment, lower interest, and lower closing costs. Borrowers must have lawful residency in the U.S., a valid Social Security number, and a steady employment history for the prior two years.
Tax ID (ITIN) Loan
This type of loan is a great fit for Non-US Citizens who do not possess a credit score, Green Card, or Social Security number. We offer loans to workers in North Carolina who have an Individual Tax ID Number (ITIN) and a passport.
Veterans Administration (VA) Loan
As a military veteran looking for a mortgage loan in North Carolina, we may have the perfect loan option for you. Our VA loans typically don’t require a down payment and have lower interest rates than conventional loans. This loan simply requires proof of military service, prior financials, and proof of honorable discharge.
Mortgage Refinancingin North Carolina
Mortgage Refinancing Options
Typically, when you refinance, you want to make adjustments to what you pay monthly. This may be done through increasing or decreasing your monthly payments or interest rates to pay the balance off more quickly, so you pay less through the lifetime of the loan. At Prysma, we hope to fit your North Carolina mortgage to your financial needs. Refinancing is a wonderful option for homeowners in the state
Reverse Mortgage Options in North Carolina
Reverse Mortgage Options
A reverse mortgage is appropriate for North Carolina homeowners who are looking to trade equity for cash and are above the age of 62. You will be paid cash for part of the home's equity. This is a good option for retirees looking for income. The borrower is not required to pay the lender back until the home is vacated or sold.
Why Choose Prysma As Your Home LenderIn North Carolina
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 Florida
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.
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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, Texas and North Carolina. 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
