Jo Ann Coniglio, Sr. Loan Officer

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Jo Ann Coniglio, Sr. Loan Officer Helping buyers achieve homeownership🏡
Licensed in RI | NMLS #4673
PRMI NMLS #3094 | Equal Housing Lender🔑
⬇️ Apply Now Branch NMLS #305552

NMLS #4673 | RI #4673

Our team of experienced loan officers are dedicated to building lifelong relationships, from the moment you are ready to purchase your first home, to refinancing or upgrading to your dream home, we will be there for you every step of the way.

10/07/2026

Have equity in a property but credit or traditional income requirements are holding you back?
PRMI’s Equity First DSCR Loan Program is designed to give real estate investors more flexibility by focusing more on the equity in the property.

No minimum credit score. No traditional income verification. No rental income calculation required. Loan amounts up to $1.5M. Your equity may be able to open the door to your next investment.

DM us “EQUITY” to see what options may be available.

Program guidelines and eligibility requirements apply.

Retirement should be about living, not stressing over bills. PRMI’s Reverse Mortgage can turn your home’s equity into ca...
09/30/2026

Retirement should be about living, not stressing over bills.

PRMI’s Reverse Mortgage can turn your home’s equity into cash, helping cover expenses & giving you more time to enjoy your golden years.💰

👉 Got questions? Let’s talk about how it could work for you!

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!

Address

647 Oaklawn Avenue
Cranston, RI
02920

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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