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Ian C Perry NMLS # 43261

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United States
Guilford, CT
Ian C Perry NMLS # 43261

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09/11/2025

Sometimes the smartest moves aren’t the loudest ones. ✨

At PRMI, we approach lending with a balance of being thoughtful, strategic, smart, and yes—demure. Choosing us as your lending partner means aligning yourself with a team that values precision over flash, and long-term success over shortcuts.

Quiet strength. Lasting impact. That’s the PRMI difference. 🏡

09/10/2025

🍂🎃 Just like pumpkin spice and fall fairs, a refinance might be the seasonal refresh you’ve been waiting for!

Whether it’s lowering your payment, tapping into equity, or consolidating debt, the right refinance can bring some extra comfort into your home (and your budget).

Let’s find out if this season is the perfect time for your financial fall favorite. 🍁✨

09/09/2025

🌟 Big congratulations to our PRMI Shoreline Division August top performers! 🌟

💼 Marc Meglio
✔️ Ranked #45 Nationally

💼 Armando Rams
✔️ Ranked #19 Nationally

💼 Steve Cardarelli
✔️ Ranked #67 Nationally

👏 Incredible work by this team — leading the way locally and nationally!

09/08/2025

🏡 Buy Your Home with Down Payment Assistance!

Our FHA Loan with Down Payment Assistance can provide up to 101.5% financing, helping you cover your down payment and even some closing costs.

How it works:
✅ No first-time homebuyer requirement
✅ Borrower must occupy the home within 60 days
✅ Ownership in another property allowed
✅ Non-occupant co-borrowers accepted
✅ Single-family, 2-unit, PUDs, condos, townhomes eligible
✅ Max income up to 160% of SMI or AMI
✅ 620 minimum credit score
✅ Close in as little as 15 days

Reach out today to find out if this is a good fit for you! This program makes homeownership more accessible than ever! 🏡✨

09/06/2025

🚨 Market Update: Big News for Rates 🚨

This morning’s jobs report showed a sharp slowdown in job growth and the U.S. unemployment rate rising to a nearly 4-year high. While that’s tough news for the economy, it’s actually creating an opportunity in our world: the 10-year treasury yield dropped to 4.08%, the lowest we’ve seen in over a year.

📉 What does this mean? Lower yields often translate into lower mortgage rates — opening the door for:
✔️ Buyers who have been waiting for better affordability
✔️ Current homeowners who could benefit from a refinance
✔️ A potential shift toward stronger housing activity ahead

If you’ve been thinking about buying, refinancing, or simply want to know how these changes might affect your plans, now is the time to explore your options.

Let’s connect and make sure you’re positioned to take advantage of this market.

09/05/2025

🔨🏡 Turn a Fixer-Upper into Your Dream Home!

With PRMI’s Renovation Loan, you can finance both your home purchase and the renovations you’ve been dreaming of — all in one convenient loan.

✅ Buy the home you love, even if it needs work
✅ Fund updates like kitchens, bathrooms, or new flooring
✅ Enjoy a single mortgage payment instead of multiple loans

Your dream home doesn’t have to exist only in your imagination — PRMI can help make it a reality! ✨

09/04/2025

💡 Did you know?
Social Security survivor benefits received for your child can be used as qualifying income on a mortgage loan application 🏡 — but not for a HELOC or Home Equity Loan.

👉 Why?
Mortgage loans look at household income that supports ongoing housing expenses, so child Social Security benefits can count as long as they continue for at least 3 years.

HELOCs/HELoans, however, follow different guidelines since they are considered revolving credit and not traditional housing debt. That means these benefits usually can’t be counted.

Understanding the difference could help you make the best financial decision for you and your family.

09/03/2025

📊 Mortgage Market Update 📊

Refinancing is making a strong comeback:
✅ Rate-and-term refinances jumped 44% year-over-year
✅ Cash-out refinances rose 19%
✅ Overall mortgage originations increased 5.1% YoY

More homeowners are taking advantage of opportunities to lower payments, restructure debt, or access equity. If you’ve been considering a refinance, the momentum is building. 🏡✨

Check out the article here: https://brnw.ch/21wVquX?

09/02/2025

📚✨ Back to School, Back to Savings ✨📚

The kids aren’t the only ones getting a fresh start this fall—your mortgage can too! Refinancing could help you:
✅ Lower your monthly payment
✅ Free up cash for school expenses
✅ Shorten your loan term

Just like sharpening pencils, it’s all about setting yourself up for success this year. 🍎🏡

08/30/2025

🚀 Real estate investors can now qualify with rental income only!
No tax returns. No income docs. No job verification. ✅

Just prove your property’s cash flow covers the loan.
With DSCR loans:
👉 640+ credit accepted
👉 Up to 85% LTV
👉 Employment status isn’t a concern
📈 Smarter financing. Bigger portfolios.

Got questions? Reach out today for more information!

08/29/2025

🏡 Thinking about a big home project? A Renovation Refinance might be the smartest way to fund it.

✨ Benefits include:

One loan + one payment (no juggling multiple loans)
Potentially lower interest rate compared to other financing
Access to larger sums based on your home’s future value
Boost your property value with upgrades that matter
Flexible use of funds for everything from a new roof to a new kitchen

👉 A Reno Refi makes the most sense if your current rate is higher than today’s market, you want to consolidate, or you’re planning large-scale projects.

📲 Reach out and let’s see if this option works for you!

*This is not a commitment to lend. Interest rates depend on current market conditions and borrower qualifications.

08/28/2025

💡 4 Ways to Underconsume Your Debt

1️⃣ Simplify Your Finances
Consolidate multiple payments into one manageable loan so you can stay on top of your goals without the stress of juggling balances.

2️⃣ Save Money on Interest
Paying down high-interest debt faster—or refinancing to a lower rate—keeps more money in your pocket over the long run.

3️⃣ Focus on What Really Matters
Freeing up cash flow gives you the ability to invest in your future, your family, or the experiences that matter most.

4️⃣ Build Financial Flexibility
With a stronger monthly budget, you’ll have more room to handle life’s surprises and opportunities with confidence.

👉 A refinance might be a smart way to achieve these goals. Reach out and let’s see if the numbers work for you!

Address

96C Broad Street
Guilford, CT
06437

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+12034535555

Website

http://www.prmishoreline.com/

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