Rose Bencosme, Loan Officer

Rose Bencosme, Loan Officer Helping English & Spanish-speaking clients achieve homeownership🏡 | Licensed in RI & MA | NMLS #1873482
PRMI NMLS #3094 | Equal Housing Lender🔑
⬇️ Apply Now

🎁 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!

No todos los negocios encajan en el molde tradicional — y eso está bien.En PRMI, nuestro objetivo es convertir el "De ni...
08/31/2026

No todos los negocios encajan en el molde tradicional — y eso está bien.

En PRMI, nuestro objetivo es convertir el "De ninguna manera" en "Hagamos que suceda". 💡

Desde préstamos DSCR hasta opciones de ingresos alternativos, tenemos soluciones creativas
para escenarios complejos.

A continuación se muestran solo algunas de las opciones que ofrecemos:
🧰 Sin documentos de ingresos
📉 Hasta un 90% de LTV
🌎 Programas para ITIN, DACA, residentes no permanentes y extranjeros
💼 Bienvenidos prestatarios bajo LLC y corporaciones
📈 Montos de préstamos de hasta $5M
🏠 Bienvenidos compradores de primera vivienda e inversionistas
📊 Opciones de ingresos alternativos: Estados de cuenta bancarios, 1099, P&L, WVOE, Utilización de activos
🏦 HELOCs y colateralización cruzada
🏢 Uso mixto (2–8 unidades), Condo-hoteles, Casas manufacturadas
🌐 Programas para extranjeros e ITIN
🏡 Propiedades financiadas ilimitadas

08/28/2026

BUILDING WEALTH THROUGH REAL ESTATE 🏢💰

Investor Networking • Financing • Deals • Collaboration

📅 Thursday, September 24, 2026
⏰ 5:00 PM – 8:30 PM
📍 Tavern 12 | Warwick, Rhode Island
🎟️ FREE EVENT — LIMITED SEATING

Whether you’re buying your first investment property or already building a portfolio, come connect with other investors, real estate professionals, and lenders who understand investor financing.

🔥 CONNECT & LEARN ABOUT:

🏘️ Finding & funding investment opportunities
💰 DSCR investor loans
🏦 Non-QM financing
📊 Bank-statement loan options
🏢 Portfolio financing strategies
🤝 Meeting other local investors & professionals
💡 Sharing strategies, resources & opportunities
🔑 Starting or scaling your real estate portfolio

WHO SHOULD ATTEND?

New investors • Experienced investors • Landlords • Flippers • Real estate agents • Lenders • Anyone interested in building wealth through real estate

This isn’t about sitting through another sales presentation.

It’s an opportunity to meet people, exchange ideas, discover financing options, find potential deals, and build relationships with others actively investing in real estate.

🍻 Come network. Learn something new. Make connections. Find opportunities.

Admission is FREE, but seating is limited. Reserve your spot early.

DSCR RealEstateNetworking BuildingWealth

🚨 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!

Helping my clients achieve the dream of homeownership is what makes this work so rewarding. 🏡✨Marcos, thank you so much ...
08/25/2026

Helping my clients achieve the dream of homeownership is what makes this work so rewarding. 🏡✨Marcos, thank you so much for your trust and for sharing such kind words. I’m so happy I could make the process feel fast, smooth, and stress-free while being there for you every step of the way.

Congratulations on your new home! Wishing you many beautiful memories in this next chapter. 🤍

If you’re ready to start your own homebuying journey, I’d be honored to help.

#

🏡 ¡Compra y renueva con solo un 3.5% de enganche y 5% de asistencia para el pago inicial!¡Te presentamos el préstamo Emp...
08/24/2026

🏡 ¡Compra y renueva con solo un 3.5% de enganche y 5% de asistencia para el pago inicial!

¡Te presentamos el préstamo Empower FHA 203k, ideal para convertir una propiedad para
reparar en la casa de tus sueños! 🔨✨
✅ Hasta un 5% de DPA (Asistencia para el pago inicial) basado en el precio de compra
✅ No es exclusivo para compradores de primera vez
✅ Sin límites de ingresos
✅ Se acepta crédito de 620+
✅ Costos de renovación sin límite (dentro de los límites de FHA)

📩 ¡Envíame un mensaje directo o llámame para conocer más!


Equity can open doors that credit alone may keep closed. 🔑With Equity First, real estate investors may have another path...
08/19/2026

Equity can open doors that credit alone may keep closed. 🔑
With Equity First, real estate investors may have another path forward—even without a minimum FICO score or traditional DSCR calculation.

This program may offer:
• Financing for 1–4 unit investment properties
• Up to 55% CLTV
• Loan amounts up to $1.5 million
• Foreign National and ITIN eligibility
• Flexibility for recent mortgage lates or bankruptcy

A challenged credit profile does not always mean the opportunity is over. The right lending strategy can change the entire conversation.

Don’t let credit end the deal. Let’s determine whether your borrower’s equity can create another path forward.

📲 Rose Bencosme | Loan Officer
401-601-7929
Licensed in Rhode Island & Massachusetts
NMLS #1873482 | PRMI NMLS #4897

*Subject to complete program guidelines, underwriting approval, property eligibility, and availability.

RealEstateInvesting InvestorFinancing NonQMLoans MortgageStrategy RhodeIslandRealEstate MassachusettsRealEstate FelizMortgageGroup

👉 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! 📞

I’m so grateful for clients who take the time to share their experience. 🤍🏡My goal is always to make the mortgage proces...
08/18/2026

I’m so grateful for clients who take the time to share their experience. 🤍🏡
My goal is always to make the mortgage process feel clear, simple, and as stress-free as possible while being there to answer questions and guide my clients every step of the way.

Thank you, Cirilo, for trusting me with your homebuying journey and for your kind words. It was truly a pleasure helping you! If you’re thinking about buying a home, I’d love the opportunity to help you too.

Address

400 Reservoir Avenue Suites 3D & 3E
Providence, RI
02907

Telephone

(401)6017929

Website

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