Emelda Harris - Loan Officer

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Emelda Harris - Loan Officer Emelda Harris,Morgage Loan Originator,NMLS #1708429 PRMG Inc.

NMLS #75243|https://www.nmlsconsumeraccess.org| Equal Housing Opportunity Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

🏡 You Can Still Buy a Home!Don’t let headlines about the Fed scare you away from homeownership. A Fed rate hike does NOT...
09/17/2026

🏡 You Can Still Buy a Home!

Don’t let headlines about the Fed scare you away from homeownership. A Fed rate hike does NOT automatically mean mortgage rates will rise by 0.25%—mortgage rates are influenced by many factors, including the bond market.

🔑 The right strategy is to understand your options and buy when it makes sense for YOU!

📲 Let’s talk about your homeownership goals!

RealEstate HomeBuying BuyAHome HomeLoan MortgageLender LoanOfficer RealEstateMarket BuyersMarket InterestRates HomeBuyingTips FirstTimeBuyer DreamHome RealEstateInvesting DownPaymentAssistance HomeownershipGoals MinnesotaRealEstate TwinCitiesRealEstate MinneapolisRealEstate EmeldaHarris PRMG

Closing Alert! 🥂✨🏡👏🏽Congratulations to Michelle! She is a 1st Time Homebuyer! 🏡 I am so excited and happy for Her and H...
09/16/2026

Closing Alert! 🥂✨🏡👏🏽

Congratulations to Michelle! She is a 1st Time Homebuyer! 🏡 I am so excited and happy for Her and Her Family! 🗝️🏠

Her new home was completely renovated from top to bottom👏🏽❣️ She BOUGHT Equity💵👏🏽🎉 She worked extremely hard for this, and deserves every bit of happiness in this new chapter📈💰🎊

I am passionate about guiding my Clients through the loan process to secure the keys to unlock their dream of Homeownership! 🌳🧱

If you’re interested in getting qualified to purchase a new home, it will be my pleasure to be a part of your home journey. Contact me at: [email protected] or DM Me! 
  NewHomeowner HomeOwnershipGoals DreamHome HouseHunting InvestmentProperty FirstTimeHomeBuyer RealEstateInvesting HomeGoals LoanOfficer Refinance MortgageRates HomeLoans FinancialFreedom CreditScore  MortgageTips PreApproved ClosingDay WelcomeHome KeyToYourHome NewChapter Sold MinnesotaRealEstate RealEstateLife MortgageProfessional HomeBuyingProcess MinnespolisMN

🚀 Homebuyers: Primary, Second Homes, and Investors Are You Self Employed? We Have A Loan Program Just For YOU! 🏠No Tax R...
07/09/2026

🚀 Homebuyers: Primary, Second Homes, and Investors Are You Self Employed? We Have A Loan Program Just For YOU! 🏠

No Tax Returns? No W-2s? NO PROBLEM! 💸

Tired of traditional paperwork standing between you and your real estate goals? It’s time to bypass the red tape. Our No Income, No Employment (NINE) programs are designed to unlock your borrowing power without the traditional hassle.

Whether you’re buying a forever home, a vacation getaway, or expanding your portfolio, we’ve got options tailored just for you! 👇

🌟 The Program Breakdown

🏠 Primary Residence: No Ratio Loan | Up to 85% Max CLTV
What it means: Buying a home to live in? We leave the income and employment sections of your application completely blank. There is no Debt-to-Income (DTI) calculation. Instead, your FICO score drives your reserve requirements, letting you secure a primary or second home with up to 85% leverage!
💼 Investment Properties (DSCR & No Ratio) | Up to 85% LTV
What it means: Build your real estate empire effortlessly.
DSCR (Debt Service Coverage Ratio): We qualify the loan based entirely on the property’s rental income, not your personal income. If the rent covers the mortgage, you qualify!
No Ratio: We don’t even check the property’s rental income ratio. It’s a pure equity and asset-driven play.
📈 Alt Doc Loans | Up to 90% LTV
What it means: Perfect for self-employed Rockstars and Entrepreneurs. Instead of tax returns, we use Alternative Documentation—like 12 to 24 months of bank statements, P&L statements, or 1099s—to prove your buying power. Get maximum leverage up to 90% LTV!
💥 Ready to fund your next move without the tax-return headache?

Let’s find the perfect fit for your strategy. Drop a comment below or DM us today to get pre-approved! 📩

AltDoc SelfEmployedBorrower PropertyInvestment HomeLoans FinancialFreedom

🚀 Homebuyers For: Primary, Second Homes, and Investors Are You Self Employed? We Have A Loan Program Just For YOU! 🏠No T...
07/09/2026

🚀 Homebuyers For: Primary, Second Homes, and Investors Are You Self Employed? We Have A Loan Program Just For YOU! 🏠

No Tax Returns? No W-2s? NO PROBLEM! 💸

Tired of traditional paperwork standing between you and your real estate goals? It’s time to bypass the red tape. Our No Income, No Employment (NINE) programs are designed to unlock your borrowing power without the traditional hassle.

Whether you’re buying a forever home, a vacation getaway, or expanding your portfolio, we’ve got options tailored just for you! 👇

🌟 The Program Breakdown

🏠 Primary Residence: No Ratio Loan | Up to 85% Max CLTV
What it means: Buying a home to live in? We leave the income and employment sections of your application completely blank. There is no Debt-to-Income (DTI) calculation. Instead, your FICO score drives your reserve requirements, letting you secure a primary or second home with up to 85% leverage!
💼 Investment Properties (DSCR & No Ratio) | Up to 85% LTV
What it means: Build your real estate empire effortlessly.
DSCR (Debt Service Coverage Ratio): We qualify the loan based entirely on the property’s rental income, not your personal income. If the rent covers the mortgage, you qualify!
No Ratio: We don’t even check the property’s rental income ratio. It’s a pure equity and asset-driven play.
📈 Alt Doc Loans | Up to 90% LTV
What it means: Perfect for self-employed Rockstars and Entrepreneurs. Instead of tax returns, we use Alternative Documentation—like 12 to 24 months of bank statements, P&L statements, or 1099s—to prove your buying power. Get maximum leverage up to 90% LTV!
💥 Ready to fund your next move without the tax-return headache?

Let’s find the perfect fit for your strategy. Drop a comment below or DM us today to get pre-approved! 📩

AltDoc SelfEmployedBorrower PropertyInvestment

🏡✨ HOMEOWNERSHIP IS WITHIN REACH! ✨🏡Ready to stop renting and start building generational wealth? Now is the perfect tim...
07/06/2026

🏡✨ HOMEOWNERSHIP IS WITHIN REACH! ✨🏡

Ready to stop renting and start building generational wealth? Now is the perfect time to explore your options through the Advancing Black Homeownership Program! 🖤💛

Qualified buyers may receive:
✅Additional Down Payment Assistance
✅ Closing Cost Assistance
✅ Up to $45,000 in additional assistance is available for eligible buyers 💰🏠

Whether you’re a first-time homebuyer or looking for guidance through the process, I’m here to help you every step of the way. Homeownership is more than buying a house — it’s creating stability, opportunity, and legacy for you and your family. 🔑✨

📌 Key program highlights may include:
✔️ Competitive credit requirements
✔️ Low down payment options
✔️ Homebuyer education support
✔️ Income-based eligibility
✔️ Primary residence purchases only

Let’s create a plan to get you HOME. 🏡💫

📲 Contact Emelda Harris today to get pre-qualified and begin your homeownership journey!

Emelda Harris
Paramount Residential Mortgage Group, Inc.
📧 [email protected]
📞 (612) 201-2631
📍 718 N Washington Ave STE 401, Minneapolis, MN 55401

GenerationalWealth

🇺🇸 Celebrating America at 250: The Power of the People 🦅✨Today, as we look to the sky and celebrate 250 years of a natio...
07/04/2026

🇺🇸 Celebrating America at 250: The Power of the People 🦅✨
Today, as we look to the sky and celebrate 250 years of a nation’s journey, we honor the core ideals that define the American spirit: freedom, community, and opportunity. 🎆🗽
True freedom is more than just a historical promise; it is the living, breathing right of every individual to thrive, to build a legacy, and to secure a stable and prosperous future. 📈💪🏽 As we celebrate this historic milestone, we are reminded that liberty is deeply connected to security and accessibility—the fundamental need for affordability in housing, in business, and in daily life so that the American Dream remains within reach for everyone. 🏡💼❤️
Above all, today is a reminder that America is not defined merely by its borders, its institutions, or its monuments. America is not America without its people. 🤝✨ It is our shared resilience, our diverse stories, our unwavering work ethic, and our commitment to lifting one another up that truly make this nation great. 🙌🏽🌟
Wishing you a safe, joyful, and deeply blessed Fourth of July! ❤️🤍💙 Here’s to the people who build this country every single day! 🎉🥳
AffordableHousing CommunityFirst AmericanDream BlessedAndGrateful CelebrateFreedom

📉STOP WAITING FOR RATES TO DROP! THE SELLER JUST DID IT FOR YOU! 🚨🏡Are today’s mortgage rates holding you back? Travel b...
06/22/2026

📉STOP WAITING FOR RATES TO DROP! THE SELLER JUST DID IT FOR YOU! 🚨🏡
Are today’s mortgage rates holding you back? Travel back in time and score a rate that is **2% LOWER**! 📉✨
The seller of **20### Erin Court, Farmington, MN** is offering a massive **$10,000 FINANCING CONCESSION** to fund a **2-1 Interest Rate Buydown**!
Here is how much cash that can potentially stays in your pocket:
🔥 **YEAR 1:** Rate is slashed by **2.00%** ➡️ Saves you **~$360–$390/month**!
🔥 **YEAR 2:** Rate is reduced by **1.00%** ➡️ Saves you **~$180–$200/month**!
🔥 **YEAR 3+:** Step into your fixed rate, or refinance when market rates drop.
**The Home ($298,000):**
🏡 Beautiful, sunlit side-by-side townhome
🔥 Cozy living room fireplace & private, tree-shaded patio
🛏️ 3 spacious upper-level bedrooms + upper-level laundry
✨ **ALL-NEW appliances** & central A/C—100% move-in ready!
Why rent or sit on the sidelines when you can buy your dream home *and* keep your budget happy? 🏡🔑💼
**DM me right now** for a payment quote or to schedule a tour! 👇
CreativeFinancing MoveInReady EmeldaHarrisRealEstate TownhomeLiving MinnesotaRealEstate

Happy Father’s Day to all the incredible Fathers, Dads, Daddy’s Bonus Fathers, Grandfathers, Uncle Father’s and Father f...
06/21/2026

Happy Father’s Day to all the incredible Fathers, Dads, Daddy’s Bonus Fathers, Grandfathers, Uncle Father’s and Father figures out there! 💕

Today, we celebrate the men who lead with love, guide with patience, and work tirelessly to build a strong foundation for the next generation. Your dedication, sacrifices, and everyday presence do not go unnoticed.💯‼️

Wishing you all a beautiful day filled with relaxation, joy, and quality time spent with your children and the ones you love most.

Enjoy your special day—you’ve earned it! ❤️

Happy Juneteenth! ❤️💛💚🖤❤️💛💚🖤Today, we honor June 19th—a powerful reminder of resilience, triumph, and the day freedom fi...
06/19/2026

Happy Juneteenth! ❤️💛💚🖤❤️💛💚🖤

Today, we honor June 19th—a powerful reminder of resilience, triumph, and the day freedom finally reached the last enslaved African Americans in Galveston, Texas, in 1865.

Juneteenth is not just a look back at history; it’s a celebration of how far we’ve come and a reflection on the true meaning of liberty. Freedom isn’t just a single moment in time—it lives in our joy, our communities, our self-expression, and our shared future.

As we celebrate today with family, music, and community, let’s recommit to uplifting all forms of freedom, equality, and justice for everyone, everywhere.

Our Journey. Our Joy. Our Freedom. ❤️💛💚🖤

🎉🔑 OFFICIALLY CLOSED! 🔑🎉Huge congratulations to Amber and Patrice on closing on their beautiful new home in Minneapolis,...
06/08/2026

🎉🔑 OFFICIALLY CLOSED! 🔑🎉
Huge congratulations to Amber and Patrice on closing on their beautiful new home in Minneapolis, MN! 🏡✨

This milestone is extra special because they successfully utilized the Advancing Black Homeownership initiative to secure $45,000💵💵💵 additional down payment and closing cost assistance! 💥 Individual dreams meeting community power—this is how we build lasting wealth and legacy.

It has been an absolute honor serving as your loan officer and helping you navigate this journey. Your dedication made this process incredibly rewarding, and I couldn’t be happier to see those keys officially in your hands! 🗝️
Wishing you both a lifetime of love, laughter, and beautiful memories in your new space. Welcome home! 🥂🎈🍾

Ready to unlock your own front door? Whether you’re buying your first home or looking into down payment assistance programs, let’s connect and turn your homeownership dreams into reality! 💼👇

📱 Emelda Harris
* Paramount Residential Mortgage Group Inc. (PRMG). DM or email me at [email protected]
RealEstate NewHomeowners ClosingDay WelcomeHome MinneapolisReal Estate PRMG BridgeRealty HomeBuying FirstTimeHomeBuyer MortgageRates Lending Finance Property HouseHunting DreamHome HomeOwnership MortgageLife RealEstateInvesting NewHouse LoanOrigination ResidentialMortgage KeysHandedOver JustClosed BlackHomeownership DownPaymentAssistance

Address

718 Washington Avenue N #401
Minneapolis, MN
55401

Opening Hours

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

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