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.
Prysma is a top choice lender for non-conventional and conventional needs in the Florida region.
Prysma has worked with families within Florida and helped them understand that they do have the choice to own their own home.
Our group of experts will work with you to explore the best potential loan options, loan rates, and specific details about your mortgage.
Ready to find out exactly how much you qualify for?
Call our team today at (203) 743-9985 to speak directly with a friendly, bilingual Prysma specialist about our Tax ID solutions!
How to Buy a Home inFlorida Using Your Tax ID
Think you need a Social Security Number or a Green Card to purchase a house in the Sunshine State? Think again.
If you live here, work hard, and file your taxes using an Individual Taxpayer Identification Number (ITIN), Prysma believes you have earned your path to homeownership. As established national leaders in Tax ID lending, we specialize in building flexible mortgage solutions for hardworking families when traditional banks say no.
Our specialized Florida ITIN home loan program replaces rigid corporate red tape with common-sense, human underwriting. We don't require a traditional credit score; instead, we verify your financial stability using alternative accounts like your on-time rent history, phone bills, and insurance payments. If you are self-employed or a gig worker, we can even measure your qualifying income using 12 to 24 months of bank statements to calculate your true cash flow.
Your Florida Mortgage Loan Options
Ready To Explore Your Florida Home Loan Options?
Understanding FloridaHome Mortgage Loans
Conventional Mortgage Loansin Florida
Conventional mortgages are traditional home loans that are funded by private lenders and follow standard guidelines set by Fannie Mae and Freddie Mac. Because they are not directly insured or backed by government agencies, they offer a highly flexible path to homeownership for buyers with strong credit profiles and established down payments.
Prysma offers the following conventional mortgage options for homebuyers across Florida:
Here are our Florida conventionalloan options at Prysma:
Fixed-Rate Loan
These are ideal for the Florida homeowner who favors consistent monthly payments and financing. In exchange for a certain down payment cost, monthly payments are discussed and priced at a single fixed rate. You won’t have to try to figure out what your mortgage will cost based on market and interest variables.
Adjustable-Rate (ARM) Loan
Conventional ARMs are an excellent choice for Florida residents who plan to relocate or refinance within a shorter time frame. These programs offer a lower, highly competitive interest rate for an initial period of years, after which the rate adjusts periodically based on prevailing market indexes. Your mortgage features built-in lifetime adjustment caps to limit the maximum amount your rate can ever increase.
Non-Conventional Mortgage Loans in Florida
Federal Housing Administration (FHA) Loan
ith an FHA loan, the federal government insures your mortgage through Prysma, your direct Florida lender. This backing allows us to offer you highly accessible terms, including a lower down payment, flexible credit guidelines, and reduced closing costs. Borrowers must possess a valid Social Security number, lawful U.S. residency, and a steady two-year employment history.
Tax ID (ITIN) Loan
This type of loan is a good fit for Non-U.S. citizens who do not possess a Social Security number, credit score, or Green Card. We offer loans to Florida workers who possess a passport and Individual Tax Identification Number (ITIN).
Veterans Administration (VA) Loan
If you’re a military veteran trying to find a mortgage loan in Florida, our VA loan selections may be right for you! When compared to conventional loans, many of our VA loans have lower interest rates and don’t need a down payment. The conditions for this loan include proof of military service, evidence that you haven’t been dishonorably discharged, and past financials.
Mortgage Refinancing in Florida
Mortgage Refinancing Options
Refinancing is frequently used when a homeowner would like to adjust their monthly payments. It can either increase or decrease your interest rate or monthly payments to pay off your mortgage quicker or pay less over the loan’s lifetime. At Prysma, we strive to make your Florida mortgage fit your lifestyle and financial requirements. Refinancing is extremely useful for Florida homeowners.
The 4 Simple Steps To Homeownership In Florida
Prysma is ready to support you with the home buying process whether you are a first-time home purchaser or are moving to the state of Florida. Here is our easy 4-Step process.
Pre-qualification
You speak with one of Prysma’s licensed Mortgage Loan Originators if you are ready to get pre-qualified for a loan up to a particular sum. This amount helps you find the right price range for the Florida home that is ideal for your current position. Our loan experts always take the time to describe the process to you to ensure you choose the most optimal loan selection that matches your needs.
Find Your Home & Make An Offer
Upon pre-qualification, you can commence shopping for your Florida home. When considering your home possibilities, don’t forget to examine the different elements including location, price, and safety of the neighborhood. When you choose a home, you prepare an offer and negotiate with the seller on a closing price.
Loan Application
After you have chosen your Florida home and settled on a final sales price, you speak with Prysma’s Mortgage Loan Originator to apply and obtain the perfect loan for your new chosen home. Your committed loan professional will help you move through and finish the steps of the loan process.
Closing & Moving In
After your proposal has been received and you are approved for a mortgage, then you begin the steps of the closing process. Once everything is completed, you can move right into your new Florida home!
Why Choose Prysma As YourHome Lender In Florida
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, Georgia, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, and Texas. Prysma is here to make people realize their dream of homeownership is entirely 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 single step of the homebuying process.
Fill out the form or call today to learn which of our home loans is right for you. (203) 743-9985