Belmiro Bala - NMLS #2241689

Belmiro Bala - NMLS #2241689 Helping English and Creole speaking buyers achieve homeownership🏡
Licensed in RI | NMLS #2241689
Primary Residential Mortgage Inc.

NMLS #3094
Equal Housing Lender 🔑
⬇️ Apply now

🚨 Does Your Credit Score Really Matter? 🚨There’s a HUGE myth that you need perfect credit to buy a home – but that’s sim...
08/26/2026

🚨 Does Your Credit Score Really Matter? 🚨

There’s a HUGE myth that you need perfect credit to buy a home – but that’s simply NOT true! 🤯

✅ The Reality: Loan options exist for a wide range of credit scores. In fact, many buyers qualify with scores lower than they think!

📊 Did You Know? Only 32% of buyers understand the real credit score requirements!

The key? Working with a lender who understands creative solutions! 🏡💰

Got questions? Call today for more info!

👉 You may already know that refinancing your home loan can help net you a lower interest rate, but what you may not know...
08/19/2026

👉 You may already know that refinancing your home loan can help net you a lower interest rate, but what you may not know is it can also get you cash to pay off the balance on your student loans.

👉 PRMI's Student Loan Cash-Out Refinance can put an end to your student loan payments and get you better terms for your mortgage payments, all in one easy transaction.

Got questions? Reach out to me for more information! 📞

08/17/2026

Your personal income doesn't have to be the reason you miss your next investment opportunity. 🏘️

A DSCR loan qualifies based on the property's rental income—not your W-2 or tax returns.

If you're growing your real estate portfolio, let's see if it's the right fit for you.

📩 DM me "DSCR" to learn more.

🙌 Feedback like this is exactly what I strive for with every client.From staying ahead of the details to making sure eve...
08/14/2026

🙌 Feedback like this is exactly what I strive for with every client.

From staying ahead of the details to making sure everything is clearly explained, I want the mortgage process to feel simple, organized, and easy to navigate.

It’s always great to hear that the experience felt seamless from start to finish. 🏡✨

Thank you for the kind words and for trusting me to be part of the process!

Thinking about your next move? Let's connect!

Think you can’t buy a home after bankruptcy? Think again! 🏡✨✅ Chapter 7: Possible in 2–4 years✅ Chapter 13: Possible as ...
08/12/2026

Think you can’t buy a home after bankruptcy? Think again! 🏡✨

✅ Chapter 7: Possible in 2–4 years
✅ Chapter 13: Possible as soon as 1 year
Rebuild your credit, save a little, and you can be back on track to homeownership sooner than
you think.

👉 Can’t Wait 1-2 years after a Bankruptcy?
No Problem, inquiry about PRMI’s Fresh Start Program which allows you to purchase or
refinance 1 day out of bankruptcy, short sale, or foreclosure!

Curious about your options? Call me today 📞

08/10/2026

Want to buy your first home in Rhode Island but don't know where to start? 🏡

The first step is getting pre-approved—and Click Approval makes it easy. 👏

If you qualify, Rhode Island Housing offers down payment assistance programs that can help offset some of the upfront costs of buying a home, making homeownership more attainable for eligible buyers.

The only way to find out what programs you qualify for is to apply.

📲 DM me "MY FIRST HOME" and I'll help you get started.

08/05/2026

Did you know you don't always need complex personal income verification to purchase an investment property? 💡

Our DSCR loan program is designed to help investors—whether it’s your very first property or your fifth—qualify based on the cash flow potential of the rental home itself.
Ready to make your rental property goals a reality?

📩 Shoot me a message and let's map out your strategy!

08/03/2026

Your down payment and your closing costs are not the same thing. 🏡

A lot of buyers think they're interchangeable—but they're two different parts of buying a home.

Your down payment is the upfront amount you put toward the purchase of the home. Closing costs include things like lender fees, attorney fees, prepaids, escrows, and other expenses required to complete the transaction.

The more you understand before you buy, the fewer surprises you'll have at the closing table.

📩 DM me "closing costs" and I'll explain exactly what goes into them.

Not every deal fits the mold — and that’s okay.At PRMI, we’re all about turning “No way” into “Let’s make it happen.” 💡F...
07/29/2026

Not every deal fits the mold — and that’s okay.

At PRMI, we’re all about turning “No way” into “Let’s make it happen.” 💡

From DSCR loans to alternate-income options, we have creative solutions for complex
scenarios.

Below are just a few of the options we offer:
🧰 No Income Docs
️🚀 Up to 90% LTV
🌎 ITIN, DACA, Non-Permanent Residents & Foreign National Programs
💼 LLC & Corp Borrowers Welcome
📈 Loan amounts up to $5M
️🔑 First-Time Homebuyers & Investors Welcome
📊 Alt-Income Options: Bank Statements, 1099, P&L, WVOE, Asset Utilization
🏦 HELOCs & Cross-Collateralization
🏢 Mixed Use (2–8 units), Condo Hotels, MFG Homes
🌐 Foreign National & ITIN Programs
🏡 Unlimited Financed Properties

📲 Let’s find a way forward. Call me today for more info!

07/27/2026

When someone tells you that you need 20% down to buy a home… that information is incorrect. 😅

There are several loan programs that may allow qualified buyers to purchase with much less upfront.

Before you count yourself out, talk to a trusted loan officer and get the right information for your situation. 🏡

DM me if you're wondering what it actually takes to buy a home.

Address

647 Oaklawn Avenue
Cranston, RI
02920

Website

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