Primary Residential Mortgage
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Primary Residential Mortgage
Do you have a question? We can help. We guarantee your privacy. By checking the box, you agree that Primary Residential Mortgage Inc. may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices. Message/data rates may apply. First time home buyer?

USDA? VA? Conventional? FHA?. Deciding to purchase a house or refinance a mortgage is an important step. You can count on us to guide you to the loan program that's the right fit for you. Our team of mortgage experts is eager to walk you through this important financial commitment. We are one of the ONLY remaining independent mortgage companies in the Shenandoah Valley - all of the others have been bought up by banks.
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An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations.
When you are overwhelmed with all the options, it may seem like there are even more refinance loan programs than borrowers! Contact us at 540-433-6611 and we'll work with you to qualify you for the right refinance loan program to fit your financial situation. There are some general questions to ask yourself while you look at the options.
In a reverse mortgage (also called a home equity conversion loan), homeowners of a certain age may use home equity for anything they need without selling their homes. The lender gives you funds determined by your home equity amount; you receive a lump sum, a payment every month or a line of credit.
There's quite a lot to do in order to get a mortgage loan. You wouldn't be looking up loan information if it were possible to get a loan in one day with a simple application. We do most of the heavy lifting for you, so you can concentrate on what's important - preparing to move into your new home or saving money.
Before lenders decide to lend you money, they need to know that you're willing and able to repay that mortgage loan. To assess your ability to pay back the loan, lenders assess your debt-to-income ratio. To assess your willingness to repay, they use your credit score. Fair Isaac and Company formulated the original FICO score to help lenders assess creditworthiness.
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