**OVER 300+ POSITIVE REVIEWS on BP & Zillow** We lend in all 50 States for Conventional Loans. Access to NON-QM DSCR loans! Call us at 585-204-6923 PrimeLending makes the mortgage process SIMPLE for borrowers. 

PrimeLending is a proven powerhouse in home lending, combining personal guidance and local expertise with fast service, more choices, and the flexibility to meet homeowners’ unique needs. We’re relentlessly focused on empowering our customers to boldly pursue their homeownership goals. With more than 30 years of mortgage experience, we’ve perfected the home loan process by providing five-star service, user-friendly technology, and world-class support resulting in a more rewarding, stress-free experience.

As mortgage-only experts, Well keep things simple.

With PrimeLending, it’s free to get pre-qualified

1. When you’re ready to buy a new home, the first step is to get pre-qualified. This starts the application process and will give you a good idea about how big a loan you can get, and how much home you can afford. Getting pre-qualified helps you:

Save time searching for homes because you focus on your specific price range.

Make an offer as soon as you find the home you like.

Identify and solve any potential credit issues early.

Give you negotiating power because sellers will know you’re ready to buy.

Why PrimeLending is different:

From application to closing, I’ll support you every step of the way.

We can offer loans to match your financial situation, even different down payment scenarios.

We have tools to help make collecting and submitting documents hassle-free.

We use local or regional loan underwriters and processors to help ensure fast, efficient closings.

2. The PrimeLending mobile app will keep you informed with real-time updates on your loan status.

We can help you with a wide variety of loan options:

FHA, VA, and USDA loans

Fixed- and adjustable-rate loans

Construction to permanent financing

Renovation loans

Jumbo loans

Manufactured home loans

Condos and more

Renovation Products we offer:

HOMESTYLE®:

To be used on conventional loans for both appraiser-required repairs and repairs the borrower wants done to the property. They can be utilized on second homes and investment properties. The repairs can be structural in nature or cosmetic, but they must be attached to the property and add value. The only time appliances (stove and dishwasher) may be included in the renovation is if there is a full kitchen remodel including cabinets and countertops and the appliances (stove and dishwasher) will need to be built in/attached to the property.

FHA 203K FULL:

This is a government-insured loan that allows you to buy a home that is in need of major repairs and/or renovations. The repairs can be structural and/or cosmetic in nature. The lender loans you money to buy a home and complete repairs in a single mortgage. This rehab loan offers fixed rates with only a 3.5% down payment required. The home must be your primary residence. The FHA 203K is also available for refinance transactions.

FHA 203K STREAMLINE [203K(s)]:

This is similar to the FHA 203K Full loan but is more limited in its scope. The repairs can only be cosmetic in nature and are limited to a maximum of $35,000. Because the repair costs are smaller, there is less red tape to get through, hence the “streamline” name. These loans can also be used to refinance existing mortgages and rehab homes.

EZ CONVENTIONAL:

To be used on conventional loans for both appraiser-required repairs or repairs the borrower wants to be done to the property. The repairs must be non-structural in nature (no exceptions) and they must be attached to the property and add value.

MINIMUM PROPERTY / APPRAISER / UNDERWRITER REQUIRED REPAIRS:

To be used on FHA financed loans where the appraiser or underwriter has required MPR (minimum property requirement) type repairs.

BUYER / SELLER FUNDED REPAIR ESCROW:

Can be used on an FHA or conventional loan. Can be used on a VA loan by exception only if the seller is funding the repairs. Repairs do not have to be appraiser-required but the appraisal must be subject to those repairs being completed.

WEATHER-RELATED ESCROW:

Can be used on an FHA or conventional loan. These loans can also be used on a VA loan by exception only if the seller is funding the repairs. Repairs do not have to be appraiser-required but the appraisal must be subject to those repairs being completed.

JUMBO RENOVATION LOAN:

To be used on a jumbo renovation loan for either appraiser-required repairs or repairs the borrower wants to be done to the property. The repairs must be non-structural in nature (no exceptions) and they must be attached to the property and add value.

1HomeStyle® is a registered trademark of Fannie Mae.