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Primary Residential Mortgage, Inc. - Shoreline

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United States
Guilford, CT
Primary Residential Mortgage, Inc. - Shoreline

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Shoreline NMLS # 397538

PRMI NMLS 3094. PRMI is an Equal Housing Lender. Department of Financial Re We are 100% referral based. Terms and conditions apply.

We have been a local mortgage provider located on the Historic Guilford Green since 2005. We always look out for our clients' interests and provide a level of service that is not generally available at other financial institutions. NMLS ID # 397538

Our commitment to providing honest, informative and personalized service is what makes Primary Residential Mortgage a perfect fit for our clients. We have been serving our community since 2005. All our mortgage originators are seasoned with over 7 years in the industry.

“PRMI NMLS 3094. Some products and services may not be available in all states. Credit and collateral are subject to approval. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.”

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.”

Connecticut:
Connecticut Department of Banking, Mortgage Lender 8750

State License Verbiage: http://primaryresidentialmortgage.com/about-us/licenses

MLO 3094
State license verbiage:
Connecticut Department of Banking, Mortgage Lender 8750. Florida Office of Financial Regulation MLD646. Licensed by the Massachusetts Division of Banks as a Broker and Lender as . Rhode Island Department of Business Regulation Division of Banking Licensed as PRMI, Inc. Lender 20041715LL, Broker 20041716LB. Department of Financial Regulation 5605 Broker 0603 MB.

11/03/2026

🏡 Put Your Home's Equity to Work!

Thinking about updating your home, paying off high-interest debt, or creating a little more breathing room in your monthly budget? A cash-out refinance could help!

Here are a few ways homeowners are putting their equity to work:

🔨 Update Your Home: Tackle renovations, upgrades, or those projects you've been putting off.

💳 Consolidate Debt: Pay off high-interest credit cards and other consumer debt.

💰 Free Up Cash Flow: Combine monthly payments into one and potentially reduce your overall monthly expenses.

And while mortgage rates may feel elevated compared to recent years, they can still be significantly lower than the interest rates on credit cards and other consumer debt.

Your home may offer more financial flexibility than you think! Let's explore whether a cash-out refinance makes sense for your goals.

📩 Reach out to learn more!

11/02/2026

There’s no better compliment than a client who continues to come back to us! 🏡

We’re so grateful for the continued trust and the opportunity to help make each mortgage experience a positive one. Our team is committed to finding the right solutions, competitive rates, and making the process as smooth as possible.

Thank you for choosing PRMI time and time again. We truly appreciate your loyalty and recommendation!

11/01/2026

🎉 Congratulations, Armando, on 12 incredible years! 🎉

Your dedication, talent, and unwavering commitment have made such a lasting impact. We're so grateful to have you as part of the team. Wishing you a wonderful work anniversary! 🙌💼✨

10/30/2026

🎃 No Tricks. Just Mortgage Tips! 🏡

Buying a home doesn't have to be spooky! 👻 Here are 3 tips to keep your homebuying journey on track:

💳 Check Your Credit: A stronger credit score may help you qualify for better mortgage rates.

💰 Save for Closing Costs: Remember, there's more to budget for than just your down payment!

🚫 Avoid New Debt: Hold off on big purchases and opening new credit accounts before closing.

Have questions about getting mortgage-ready? We're here to help make the process a little less scary! 🏡

📩 Reach out to the team at PRMI The Shoreline Division to get started!

10/29/2026

TRICK OR TREAT! COME SAY HELLO!
Halloween is almost here, and Armando and his team will be celebrating at the Guilford Green!
Bring the family, show off your costumes, grab some sweet treats, and join us for some spooky fun!
Great treats, friendly faces, and Halloween fun!
We love being part of this amazing community, and we're looking forward to seeing familiar faces and meeting some new ones!

10/29/2026

🎉 Happy 6-Year Work Anniversary, Brogan! 🎉

Thank you for your hard work, commitment, and the many ways you've helped our team grow. Congratulations on this milestone! We're so lucky to have you and look forward to celebrating many more milestones together. 🙌🎊✨

10/29/2026

🏡 Buying a Home? Don't Forget About Closing Costs!

Your down payment isn't the only expense to plan for when buying a home! 💰

Closing costs are the fees and expenses associated with finalizing your mortgage and completing your home purchase. They can include:

🔑 Loan Fees: Costs associated with processing and underwriting your mortgage.

📋 Appraisal & Inspections: Fees for evaluating the property's value and condition.

🏠 Title & Settlement Fees: Expenses related to transferring ownership and completing the closing.

💵 Prepaid Expenses: Items like homeowners insurance, property taxes, and prepaid interest.

✨ The Good News? Understanding these costs early can help you budget confidently and avoid surprises on closing day!

Every home purchase is different, and your closing costs will depend on your loan, property, and other factors.

Have questions about what to expect when buying a home? We're here to help you navigate the process from pre-approval to closing day! 🏡🔑

📩 Reach out today to speak with one of our Loan Officers!

10/28/2026

🏡 Condo Financing Update: HOA Reserve Requirements Are Changing!

Did you know that HOA reserve requirements can impact whether a condo qualifies for conventional financing?

The minimum reserve budget allocation requirement for condominium associations is increasing from 10% to 15% or higher under applicable guidelines. This means HOAs may need to allocate more of their annual budgets toward future repairs and replacements to meet financing requirements.

Why does this matter?
🔹 Some condo projects may face additional eligibility challenges.
🔹 Buyers could have fewer conventional financing options for certain properties.
🔹 Realtors and sellers should understand these requirements before listing or accepting an offer.

💡 The takeaway: Understanding condo warrantability early can help prevent financing surprises and keep transactions moving smoothly.

Have questions about condo financing? Reach out today and talk to one of our Loan Originators.

10/26/2026

Buying a home with child support income?
The amount received may not always be the amount that qualifies as mortgage income.

Lenders may review:
- Child support agreement
- Payment history
- Supporting documentation

Tip: Talk to your lender early to understand what income may qualify!

10/23/2026

Owned a home before? You may still be a first-time buyer. 🏡

Here's something a lot of people don't realize: in most cases, if you haven't owned a primary residence in the past three years, many programs may treat you as a first-time buyer again.

That can open the door to first-time buyer programs, which may offer:
✔️ Lower down payment options
✔️ More flexible credit guidelines
✔️ More flexibility on debt-to-income

Programs may also look at income limits for your area, purchase price limits, your overall finances, and whether you've taken a homebuyer education course. Every program is different, so it's worth a quick check.

Agent partners 🤝 That past client who sold a few years ago and has been renting? Send this their way.

Not sure if you count? DM us or call (203) 453-5555. Link in bio.

The Shoreline Division, where the primary focus is you.

Branch NMLS #397538 | PRMI NMLS #3094 | Equal Housing Lender

Address

96 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/, http://www.nmlsconsumeraccess.org/, https://www.primeres.com/privacy-policy

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