Mary O'Donnell, Sr. Loan Officer

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Mary O'Donnell, Sr. Loan Officer Licensed in FL, RI, & MA
NMLS #1348 | MA DISCLAIMER: PRMI NMLS 3094. PRMI is an Equal Housing Lender. Credit and collateral are subject to approval.

Some products and services may not be available in all states. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. PRMI NMLS 3094. Rhode Island Department of Business Regulation Division of Banking Licensed as PRMI, Inc, Lender. Florida Office of Financial Regulation MLD646 Licensed by the Massachusetts Division of Banks as a Broker and Lender as . Consumer Voice

Your opinion is greatly appreciated, we thank you for visiting this website or Primary Residential Mortgage, Inc. If you have specific questions, comments, concerns or complaints we invite you to contact us by the email shown here: [email protected]. Emails received during business hours, should receive a response within 48 hours, excluding weekends or holidays.

Own a business & want to buy a home? 🏠Good news! Your business funds might help with your down payment! 💼Here’s how:👉Len...
09/23/2026

Own a business & want to buy a home? 🏠

Good news! Your business funds might help with your down payment! 💼

Here’s how:
👉Lenders can include business assets toward your down payment
👉They’ll review your business bank account
👉A quick ratio check ensures your business stays financially healthy

✅ Simple💡 Smart 🚀 Perfect for self-employed buyers!

Questions? Reach out to me today for more info!

🏡 Your home's equity is a powerful resource—but how can you make it work for you?💳 Consolidate debt✨ Upgrade your home w...
09/16/2026

🏡 Your home's equity is a powerful resource—but how can you make it work for you?

💳 Consolidate debt
✨ Upgrade your home with luxury improvements
🌿 Invest in energy-efficient or green renovations
💰 Put your equity to work for your financial goals

What would you like to do with yours? Let's talk about your options!

Serving Those Who Served - your path to homeownership just got easier!🏡✅ No minimum credit score✅ $0 down payment✅ Flexi...
09/09/2026

Serving Those Who Served - your path to homeownership just got easier!🏡

✅ No minimum credit score
✅ $0 down payment
✅ Flexible qualification

Your service deserves opportunity. Let’s make it happen!

📞 Call me today to get started!

🎁 Imagine getting a little help from loved ones to make your homeownership goals a reality! 🏡💰 Gift funds can be used to...
09/02/2026

🎁 Imagine getting a little help from loved ones to make your homeownership goals a reality! 🏡

💰 Gift funds can be used toward your down payment and closing costs, helping reduce some of the upfront expenses of buying a home.

📲 Want to learn how gift funds could work for your home purchase? Reach out today!

🚨 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! 📞

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 📞

08/05/2026

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!

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!

📢 Rental Income Guidelines You Should Know✅ You don't have to own a home to buy an investment property.If you currently ...
07/22/2026

📢 Rental Income Guidelines You Should Know

✅ You don't have to own a home to buy an investment property.

If you currently rent your primary residence, you may still qualify for a conventional investment property loan.

🚫 Live rent-free?

Projected rental income from the investment property generally can't be used to help you qualify.

🏚️ Recently renovated a rental?

If your property was temporarily out of service due to renovations, current guidelines may allow lenders to calculate rental income based on the time it was actually available for rent instead of assuming it was rented all year.

Every situation is different, and rental income guidelines can be more complex than they seem.

📞 Give me a call to discuss your next purchase or refinance and explore your options!

Address

647 Oaklawn Avenue 1st And 2nd Floor
Cranston, RI
02920

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