Patricia Ruggiero, Mortgage Originator

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United States
Cranston, RI
Patricia Ruggiero, Mortgage Originator

Patricia Ruggiero, Loan Officer NMLS #14972
Primary Residential Mortgage Inc. | Your Local Mortgage Lender NMLS #3094
Equal Housing Lender🔑🏡
Licensed in RI

PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend.

12/14/2025

It’s thus cold

10/15/2025

🏡 Buy & Renovate with Just 3.5% Down and 5% DPA!
Introducing the Empower FHA 203k Loan – ideal for turning a fixer-upper into your dream home!
🔨✨

✅ Up to 5% DPA based on purchase price
✅ Not just for 1st-time buyers
✅ No income limits
✅ 620+ credit OK
✅ Reno costs uncapped (within FHA limits)

📩 DM me or call me to learn more!

10/07/2025

Your September real estate market update is here, and there’s good news for buyers! 🏡 Active listings are up 17% year-over-year, and mortgage rates have dipped to 6.28%, improving affordability. With homes spending about 62 days on the market, now’s a great time to find your dream home and get pre-approved! 🔑

10/01/2025

Homeownership is just one click away! 🏡✨With PRMI's secure, fast, and simple mortgage application app, you can easily create an account and download the mobile app to track your home buying progress from start to finish. 📲 Let's make your homeownership dreams a reality!🚀

09/24/2025

Any home can be your dream home with the right renovation loan! Finance your purchase and fund any upgrades and repairs the property needs to be perfect for your family. 🏡

09/17/2025

🚨 No paystubs? No problem! 🚨

With PRMI’s WVOE-Only Income Qualification Program, you can qualify with just a Written Verification of Employment—no W-2s, paystubs, or tax returns needed!

✅ Up to 80% LTV
✅ Max loan amount: $4M
✅ First-time buyers welcome
✅ Only 600 credit score required

Let’s make homeownership happen—reach out to me today to learn more! 🏡📩

09/10/2025

Dreaming of owning a home but worried about high monthly payments? 🏡 An Adjustable Rate Mortgage (ARM) could be the solution! With lower initial interest rates, you can save money and make your dream of homeownership a reality. 💰 Contact me to learn more about how an ARM can work for you!

09/03/2025

💡 Did you know PRMI offers home loans that can help you make energy upgrades to your home? 👉 Many items are included in what can be upgraded. These programs have helped many homeowners keep their homes up to date and save on costly utility
bills.💸

If you’d like to know more about these programs, reach out to me today!📞

08/27/2025

Imagine designing your dream home from the ground up!✨ With a One-Time-Close USDA loan, you can! Get 100% financing* and lock in your rate before building starts.🏡 Plus, no payments until construction is done! Let's build your dream together. Contact me today!

08/20/2025

Your credit score is more than just a number! It plays a HUGE role in your homeownership journey. A better score can mean easier approval ✔️, lower down payments💰, and ultimately, your dream home! Don't let credit hold you back.🛑

Contact me today to learn why your credit matters and remember, you don't need perfect credit to buy a home!

08/13/2025

📢 Good news! Recently median area income limits were updated and may help more buyers qualify for HomeReady® and Home Possible® programs. This could open doors for more borrowers — especially first-time buyers! 🏡

Got questions about eligibility? Reach out to me today for more info!

08/12/2025

Your August real estate market update is here, and there's some seriously good news for buyers: we're seeing a surge in inventory with homes for sale up almost 25% year-over-year! More homes on the market means more opportunities for you to find your dream home. Don't miss out on these opportunities! 🏡 Ready to make your move? Message me directly to lock in your pre-approval! 🔑

Address

647 Oaklawn Avenue (First And Second Floor)
Cranston, RI
02920

Website

http://www.primarylocal.com/

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