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.
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 inNorth Carolina UsingYour Tax ID
Think you need a Social Security Number or a Green Card to purchase a house in the Tar Heel 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 North Carolina 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 North Carolina Mortgage Loan Options
Ready To Explore Your North Carolina Home Loan Options?
Understanding North Carolina
Home Mortgage Loans
Conventional Mortgage Loansin North Carolina
Conventional mortgages are traditional home loans funded by private institutions that follow standard guidelines set by Fannie Mae and Freddie Mac. Because they are not directly insured or backed by federal government agencies, they offer a highly flexible path to homeownership for buyers with stable credit profiles.
The following are our North Carolinaconventional 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
Conventional ARMs are an excellent choice for North Carolina 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 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 Refinancing
in 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. .At Prysma, we hope to fit your North Carolina mortgage to your financial needs. Refinancing is a powerful option for homeowners in the state.
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 in North Carolina.
Pre-qualification
You speak with one of Prysma’s licensed Mortgage Loan Originators to get pre-qualified for a loan up to a certain amount. This helps you determine the price range for the home that is right for you. Our loan specialists will take the time to answer all your questions to 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 options, make sure to consider factors like price, location, and neighborhood safety. After you choose the property, you make an offer and negotiate with the seller on the final sales price.
Loan Application
Once your offer is accepted and a final sales price is settled, you will reconnect with your Prysma Mortgage Loan Originator to formally apply for your mortgage. Your dedicated loan specialist will lock in your interest rate and personally guide you through the processing, underwriting, and final approval stages.
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 North Carolina home!
Why Choose Prysma As Your Home Lender
In 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 North Carolina
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.
Testimonials
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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