Erin Pavao Mortgage Loan Officer

Erin Pavao Mortgage Loan Officer Mortgage lender with experienced professionals in the neighborhoods where you live. NMLS 75243 National mortgage lender for purchase and refinance home loans.

With over 20+ years of experience, PRMG is a top independently owned mortgage lender. PRMG is a technology-based mortgage company that provides personal service to our clients in your local neighborhood. As a direct lender/servicer, PRMG works to find the best possible financing scenarios, ranging from competitive financing for the first-time homebuyer with down payment assistance to Jumbo Non-QM DSCR loans for the more experienced homeowner. PRMG Inc. (NMLS #75243)

The down payment gets most of the attention when people talk about buying a home.But closing costs and prepaid expenses ...
09/15/2026

The down payment gets most of the attention when people talk about buying a home.

But closing costs and prepaid expenses are another important part of the cash you'll need to plan for.

The good news? There may be options that can help reduce what you need upfront, depending on your situation.

The earlier you understand the numbers, the better.



Closing Costs | Down Payment | Home Buying | First Time Homebuyer | Mortgage Education

Let's be honest. There are parts of the mortgage process that could be better.Clearer conversations. More transparency. ...
09/10/2026

Let's be honest. There are parts of the mortgage process that could be better.

Clearer conversations. More transparency. A more human experience. Better education.

Buying a home is a big deal. You shouldn't feel like you're just another file number in the process.



Mortgage Process | Home Buying | First Time Homebuyer | Mortgage Education | Consumer Education

"Renting vs. buying isn't a simple “which one is better?” question.Over five years, you're making very different financi...
09/09/2026

"Renting vs. buying isn't a simple “which one is better?” question.

Over five years, you're making very different financial tradeoffs.

With renting, you're paying for the flexibility and use of the home. With owning, you're also building an ownership stake through principal paydown, with the potential for your home to appreciate over time.

But buying also comes with maintenance, taxes, insurance, and transaction costs.

The right choice depends on your timeline, finances, goals, and what the numbers look like for you.

The best question isn't “Should I rent or buy?”

It's “What does each option look like over the next 5 years?”



renting vs buying | rent vs buy | homeownership | first time homebuyer | home buying decision

Think your credit score isn't good enough to buy a home?There are a lot of myths about credit, and believing them could ...
08/28/2026

Think your credit score isn't good enough to buy a home?

There are a lot of myths about credit, and believing them could keep you from feeling confident about your homeownership goals.

Here are four common misconceptions:

✔ Paying on time is important, but it's not the only factor that affects your credit score.
✔ Closing old credit cards isn't always the best move.
✔ Checking your own credit score generally won't hurt it.
✔ Opening new credit accounts may not help if you're getting ready to buy a home.

The more you understand how credit works, the more prepared you'll be when it's time to start your homebuying journey.

Save this post for future reference.
Share it with someone who's working on their credit.



Credit Score | Credit Score Myths | Improve Credit Score | Credit Tips | Credit Utilization | Credit History | Credit Report | Soft Credit Inquiry | Hard Credit Inquiry | Personal Finance | Financial Wellness | Home Buying Tips | First-Time Homebuyer | Mortgage Preparation | Credit Education | Homeownership | Mortgage Tips | Buying a Home | PRMG | Credit Health

One of the most common questions buyers ask is:"What if the appraisal comes in lower than my offer?"The good news is tha...
08/26/2026

One of the most common questions buyers ask is:

"What if the appraisal comes in lower than my offer?"

The good news is that it doesn't automatically mean you'll lose the home.

A home appraisal is simply one step in the buying process that helps determine the home's market value.

In today's lesson, we covered:

• What a home appraisal is.
• Why it's an important part of the process.
• What happens if the value comes in lower than expected.
• Some of the options that may be available depending on your purchase agreement.

Understanding the appraisal process can help you feel more confident and prepared if questions come up along the way.

Save this lesson for future reference.
Share it with someone who's preparing to buy a home.
Follow my page for more homebuyer education.



Home Buying 101 | Home Appraisal | Appraised Value | Home Buying Process | First Time Homebuyer | Buying A Home | Home Value | Home Buying Tips | Home Purchase | Real Estate Education | Appraisal Process | House Hunting | Homeownership | Home Buyer Guide | Buying Your First Home | Mortgage Education | Home Buying Education | Real Estate Tips | Home Buying Journey | Market Value

One of the biggest questions homebuyers have is:"What happens if the inspection finds problems?"The good news is that an...
08/24/2026

One of the biggest questions homebuyers have is:

"What happens if the inspection finds problems?"

The good news is that an inspection isn't about finding a perfect home, it's about giving you a better understanding of the home's condition so you can make informed decisions.

In today's lesson, we covered:

• What a home inspector evaluates.
• What an inspection doesn't determine.
• Why it's normal for reports to include findings.
• What happens after you receive the report.
• When repairs or credits may be negotiated.

Most homes have a few items worth noting. The inspection is simply an opportunity to learn more about the home before moving forward.

Save this lesson for future reference.
Share it with someone who's getting ready to buy their first home.
Follow my page for more homebuyer education.



Home Buying 101 | Home Inspection | First Time Homebuyer | Buying A Home | Home Buying Process | Home Inspection Checklist | Inspection Report | Home Buyer Guide | Homeownership | Home Buying Tips | Real Estate Tips | Home Maintenance | Buying Your First Home | House Hunting | Home Purchase | Home Inspection Process | Home Buying Education | Real Estate Education | Mortgage Education | Homeownership Journey

Want to build home equity faster? 🏡💰Growing your equity doesn't always mean making major financial changes. Sometimes it...
08/21/2026

Want to build home equity faster? 🏡💰

Growing your equity doesn't always mean making major financial changes. Sometimes it's the small, consistent habits that can make the biggest difference over time.

Here are three simple strategies to consider:

✔ Make bi-weekly mortgage payments (if available through your loan servicer).
✔ Apply extra payments directly toward your principal balance.
✔ Invest in home improvements that may add long-term value.

Every homeowner's situation is different, but small steps today may help you build equity over time.

Save this post for future reference.
Share it with a homeowner who may find these tips helpful.

Which strategy would you try first?



Home Equity | Build Home Equity | Homeowner Tips | Homeownership | Mortgage Tips | Bi-Weekly Mortgage Payments | Principal Payments | Paying Down Your Mortgage | Home Improvements | Increase Home Value | Home Maintenance | Real Estate Education | Financial Wellness | Home Buying Tips | Mortgage Education | Equity Growth | Build Wealth Through Real Estate | Home Equity Strategies | Personal Finance | PRMG

"Finding the right home is exciting, but making an offer is where the process really begins.Many first-time buyers assum...
08/19/2026

"Finding the right home is exciting, but making an offer is where the process really begins.

Many first-time buyers assume the list price is exactly what they'll pay, but there's often more to the conversation.

In today's lesson, we covered:

• What goes into an offer.
• What earnest money is and why it's important.
• How contingencies help protect buyers.
• Why negotiations are a normal part of the process.
• What happens after your offer is accepted.

Every home purchase is unique, but understanding these steps can help you feel more prepared when it's time to make an offer.

Save this lesson for future reference.
Share it with someone who's getting ready to buy their first home.
Follow my page for more homebuyer education.



Home Buying 101 | Making an Offer | Home Offer | Offer Price | Earnest Money | Contingencies | Home Buying Process | First Time Homebuyer | Home Buying Tips | Real Estate Negotiation | Home Purchase | Buying A Home | Homeownership | Mortgage Education | Real Estate Tips | Purchase Contract | Offer Accepted | Home Buyer Guide | House Hunting | Home Buying Education

You bought the home...now what? 🏡Owning a home doesn't stop at making your monthly mortgage payment.There are a few simp...
08/18/2026

You bought the home...now what? 🏡

Owning a home doesn't stop at making your monthly mortgage payment.

There are a few simple habits that can help you stay informed, protect your investment, and potentially save money over time.

Here are five worth adding to your annual checklist:

✔ Round up your mortgage payment when possible.
✔ Review your homeowners insurance each year.
✔ Check your property tax assessment.
✔ Learn when you may be eligible to remove PMI.
✔ Schedule a yearly home finance check-in.

You don't have to do everything at once. Even one small step today can make a difference over time.

Save this post so you have this checklist when you need it.
Share it with a homeowner who may find these tips helpful.



Homeowner Tips | Homeownership | Mortgage Tips | Mortgage Payoff | Principal Payments | Homeowners Insurance | Property Tax Assessment | PMI Removal | Private Mortgage Insurance | Home Equity | Home Finance | Financial Wellness | Home Maintenance | Real Estate Education | Homeowner Checklist | Build Home Equity | Personal Finance | Mortgage Education | PRMG | Homeownership Tips

Address

3 Regency Plaza Suite 323
Providence, RI
20903

Telephone

+14014009420

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