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It only takes about 10 minutes to prequalify for a home loan; once this is done, you are e-mailed disclosures to sign along with a list of items that will be needed; once those items are received, an appraisal is ordered and the file is submitted to processing. From here the file is submitted to underwriting and 4 days later you are closed!!!

If you are active or retired military or married to someone who is, VA financing is perfect for you; this is a 100% loan that can be done with you not having to bring anything to closing; that means that you will not have to pay for the closing costs and rates are as low as 4.875%; these loans are hassle free and we close many VA loans monthly since the military bases surround our location; give us a call for a free 5-minute prequalification; also remember to take advantage of the home tax credit of $8000; you must be under contract by the end of April and close by the end of June.  Thank You!

John Scapin

Branch Manager

Primary Residential Mortgage

888-473-0855- Toll Free

850-292-1001 - Cell Phone

Don't miss out on the $8500 tax credit; you must be under contract by April 30th, 2010 and close by the end of June; rates are still really low  and we offer a no lender closing cost option.

Sincerely,

John Scapin

Branch Manager

1-888-473-0855 

Call for an easy, quick free prequalification; will let you know if

refinancing will benefit you; also remember that you can skip a

mortgage payment the month after you close your loan.

Sincerely,

John Scapin

Branch Mgr

1-888-473-0855

Today's rates are at 4.875% ; CALL US for a free 10-minute pre-approval or refinance analysis; PRMI is a National Mortgage Company with branches in 48 states; also don't forget to take advantage of the $8500 tax credit ; you must identify a property by April 30th and close by June 30th; call with any questions anytime.

Sincerely,

John Scapin

Branch Mgr

850-292-1001 or 1-888-473-0855 

Primary Residential Mortgage is a nationwide lender servicing 47 states with 245 branches and has been in business since 1998. As a full-service mortgage company not encumbered by debt, they can offer the lowest rates and closing costs. Primary Residential Mortgage is a lender, not a broker, so they fund loans with their own funds. This allows them to offer low rates and closing costs.

"We receive huge volume discounts due to the large dollar volume Primary Residential closes," confirms Will Myers, Co-Branch Manager. "And our knowledge of first-time homebuyer programs can help borrowers take advantage of $7,500 in income tax credit through June 2009."

Primary Residential Mortgage offers a variety of loans to serve first-time home buyers and individuals who own their homes free and clear. Veterans Administration (VA) and Federal Housing Administration (FHA) government loans are available both to purchase property and to extract cash from equity as well as VA cashout refinancing up to 100 percent of a home's appraised value. FHA loans to purchase a property are available with only 3.5 percent down and allow the seller to pay up to 6 percent of the price towards the buyer's closing costs. And at Primary Residential Mortgage, VA and FHA Streamline loans allow simple refinancing without an appraisal or income documentation, and FHA cash-out refinancing allows up to 95 percent loan-to-value ratios allowing consumers to pay off their debt with this higher loan-to-value.

Loans are personalized at Primary Residential Mortgage. Expertise in firsttime homebuyer programs allows them to guide clients to buy a home with no money down and no out of pocket closing costs. Reverse Mortgage loans allow seniors to receive equity from their home either on an installment basis or lump sum, or they can use loan proceeds to payoff debt. A Reverse Mortgage loan does not have to be repaid as long as the home is owner occupied and the income received is not taxed. A Reverse Mortgage does not affect Social Security benefits or Medicare and there is no monthly payment owed. Primary Residential Mortgage specializes in other loans such as Rural Housing Loans which allow 100 percent financing, and the closing costs can either by included in the loan or paid by the seller. Co-Branch Managers Michael Scapin, John Scapin and Will Myers have been in the mortgage business for the past 10 years and were most recently with Pensacola Guarantee Mortgage. Their experience and combined expertise is a benefit to their clients.

"We have been in the mortgage business throughout several economic cycles, both up and down markets, and have survived both of these cycles" explains Michael Scapin. "We know the options available and work with our clients individually to find the best option."

Primary Residential Mortgage branch office has been open since 2006 and is conveniently located in Gulf Breeze at 2746 Gulf Breeze Parkway, Suite A, in the same building as the Driver's License office. Take advantage of low home prices and low interest rates by putting the expertise of the Primary Residential Mortgage specialists to work for you.