Primary Home Loans for First-Time & Luxury Buyers

At Primary Home Loans and Investments (NMLS #2493728), we believe every dream home deserves a smart financing strategy—whether you're stepping into the market for the first time or upgrading to your forever estate.

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First-Time Homebuyers

Buying your first home is a major milestone. Our team is here to simplify the process with personalized loan options, down payment assistance programs, and expert guidance every step of the way. We help you understand your budget, boost your buying power, and make confident, informed decisions.

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Luxury Homeowners

Purchasing a high-value property? We offer tailored jumbo loan solutions, competitive rates, and white-glove service for discerning buyers seeking exclusive financing options. Our team specializes in complex assets, self-employed income, and unique financial portfolios—because your home loan should match your lifestyle.

Real Estate Investment Loan's for Investors

& Developers Nationwide

At Primary Home Loans and Investments (NMLS #2493728), we empower real estate investors and developers with smart, scalable financing solutions across 44 states. Whether you're acquiring your first rental property or building your next major development, our investment loan programs are designed to help you move quickly and grow strategically.

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Investor-Focused Financing

We offer a wide range of investment property loans tailored for:

• Buy-and-hold rental properties

• Fix-and-flip projects

• Short-term bridge loans

• Portfolio financing

With competitive rates, fast approvals, and flexible terms, our team ensures you have the capital you need to seize the right opportunity—when it matters most.

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Developer Solutions

From ground-up construction to multifamily developments, we provide structured loan options that meet the complexity of your projects. We work closely with developers to navigate underwriting, maximize leverage, and keep projects on track from acquisition to exit.

Non-QM Loans for Self-Employed Borrowers

At Primary Home Loans and Investments (NMLS #2493728), we understand that traditional mortgage guidelines don’t always fit real-world borrowers—especially self-employed professionals. That’s why we offer flexible Non-QM loan solutions designed to meet the unique financial situations of business owners, freelancers, and entrepreneurs.

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What Is a Non-QM Loan?

Non-QM (Non-Qualified Mortgage) loans are alternative financing options that don’t follow conventional underwriting rules set by Fannie Mae or Freddie Mac. Instead of W-2s or tax returns, we use bank statements, asset statements, or other income verification methods tailored to self-employed borrowers.

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Features & Benefits:

• No tax returns required

• 12–24 months of bank statements to verify income

• Higher debt-to-income (DTI) allowances

• Flexible credit score requirements

• Financing available for primary, secondary, or investment properties

• Loan amounts up to and above $2 million

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Who These Loans Are For:

• Self-employed borrowers with inconsistent income

• 1099 contractors, freelancers, gig workers

• Business owners looking to leverage cash flow, not paperwork

• Real estate investors and high net worth individuals with complex assets

At Primary Home Loans and Investments, we believe your success shouldn’t be held back by a one-size-fits-all mortgage. Explore our Non-QM loan options and get the flexible financing you deserve.

Reverse Mortgage HECMs: Unlock the Equity in Your Home

At Primary Home Loans and Investments (NMLS #2493728), we specialize in helping homeowners ages 55+ and older access the equity in their homes through Home Equity Conversion Mortgages (HECMs)—commonly known as reverse mortgages.

Whether you're looking to supplement retirement income, eliminate monthly mortgage payments, or plan for long-term financial stability, a reverse mortgage could be the right solution.

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What Is a Reverse Mortgage (HECM)?

A HECM is a federally insured loan that allows senior homeowners to convert a portion of their home’s equity into tax-free cash—without selling their home or taking on new monthly payments. The loan is repaid only when you move out, sell the home, or the last borrower passes away.

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How Can It Help You?

• Eliminate your existing monthly mortgage payment

• Access funds for living expenses, healthcare, or travel

• Stay in the home you love while improving cash flow

• Secure a flexible line of credit for future use

• Enjoy financial peace of mind during retirement

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Why Choose Us?

Our team at Primary Home Loans and Investments provides honest guidance, personalized solutions, and full transparency throughout the reverse mortgage process. We help you understand your options and choose what’s best for your future.

Fannie Mae & Freddie Mac Loan Programs

At Primary Home Loans and Investments (NMLS #2493728), we proudly offer a full suite of Fannie Mae and Freddie Mac conventional loan programs—trusted, government-sponsored options that help make homeownership more accessible and affordable for buyers across the country.

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What Are Fannie Mae & Freddie Mac Loans?

Fannie Mae and Freddie Mac are federally backed mortgage institutions that provide conventional conforming loans—ideal for borrowers with good credit and stable income. These loans follow standardized guidelines that make them widely available, competitively priced, and easier to qualify for.

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Key Program Benefits:

• Low down payment options (as little as 3% for first-time buyers)

• Flexible income and credit guidelines

• Fixed and adjustable-rate options

• Affordable mortgage insurance (PMI)

• Refinance options including high LTV programs

• HomeReady® and Home Possible® programs for low-to-moderate-income borrowers

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Who These Programs Are For:

• First-time and repeat homebuyers

• Borrowers looking to refinance at better terms

• Individuals with strong credit who want competitive rates

• Buyers seeking a low down payment without going FHA

Whether you're buying your first home or refinancing your current one, Fannie Mae and Freddie Mac loans offer the flexibility and affordability to help you move forward. Let Primary Home Loans and Investments guide you every step of the way.

VA Home Loans for Qualified Veterans

At Primary Home Loans and Investments (NMLS #2493728), we’re proud to serve those who’ve served our country. Our VA loan programs offer qualified veterans, active-duty service members, and eligible surviving spouses a powerful path to homeownership—with exclusive benefits backed by the U.S. Department of Veterans Affairs.

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What Is a VA Loan?

A VA loan is a government-backed mortgage designed to make buying or refinancing a home easier for veterans and military families. With no down payment required and no private mortgage insurance (PMI), it’s one of the most affordable loan options available.

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VA Loan Benefits:

• $0 down payment required

• No private mortgage insurance (PMI)

• Competitive interest rates

• Flexible credit guidelines

• Limited closing costs

• Streamlined refinance options (IRRRL)

• Available for purchases, refinances, and some new construction

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Who Is Eligible?

• Active-duty service members

• Veterans with qualifying service history

• National Guard & Reservists (with sufficient service)

• Certain surviving spouses

You’ve earned this. Let us help you use it.
At Primary Home Loans and Investments, we make the VA loan process simple, respectful, and efficient—because you deserve nothing less than expert guidance and full support.

Stabilized Commercial Bridge Loans for Residential & Commercial Properties Nationwide

At Primary Home Loans and Investments (NMLS #2493728), we provide fast, flexible Stabilized Commercial Bridge Loans to help investors capitalize on opportunity—without the wait. Whether you're acquiring, refinancing, or repositioning a stabilized property, our bridge financing solutions are tailored to meet your goals with speed and precision.

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What Is a Stabilized Bridge Loan?

A Stabilized Bridge Loan is a short-term financing solution for income-producing properties that are already leased or generating revenue. It's ideal for borrowers who need quick access to capital for acquisition, cash-out refinancing, or transitioning to long-term permanent financing.

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Property Types We Finance:

• Single-family rental portfolios

• Multifamily/apartment buildings

• Mixed-use properties

• Retail centers

• Office spaces

• Light industrial/warehouse

• Hospitality assets (on a case-by-case basis)

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Key Benefits:

• Nationwide lending coverage

• Loan amounts from $500,000 to $25M+

• Fast approvals & funding—often within 10–21 days

• Interest-only options available

• Up to 75–80% LTV

• No income verification required for most programs

• Flexible terms for short- and mid-term hold strategies

Seize opportunity when it strikes.
Our Stabilized Commercial Bridge Loans are designed for real estate professionals who move fast. Whether you’re acquiring or repositioning, Primary Home Loans and Investments delivers nationwide funding with the speed, structure, and service you can trust.

Use Your Digital Assets to Fund Real Estate—Without Selling

At Real on Rise Capital Inc. and our trusted affiliates, we believe your digital assets should work for you—without having to liquidate them. That’s why we offer crypto-backed mortgage solutions that let you use your Bitcoin (BTC) or Ethereum (ETH) as collateral to purchase real estate in the U.S.—with up to 100% financing and zero down payment required.

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What Is a Crypto Mortgage?

A crypto mortgage allows you to pledge your cryptocurrency as collateral instead of selling it. That means you can finance a real estate purchase while keeping your assets invested and avoiding capital gains taxes. It’s a smart, tax-efficient way to leverage your digital wealth and build your real estate portfolio at the same time.

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Loan Feature Details

Accepted Collateral - Bitcoin (BTC), Ethereum (ETH)

Loan Amount Starting at $275,000

Interest Rate 9% – 10% (30-year fixed)

Loan Term 30 Years

Loan-to-Value (LTV) - Up to 100%

Collateral Required - Equal to 100% of the property’s value

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Who It’s For

• Long-Term Crypto Holders
  Put your assets to work while staying fully invested in the market.

• Diversified Investors
  Add real estate to your portfolio without liquidating your digital holdings.

• Primary Residence Buyers & Investors
  Use crypto to finance the purchase of a home or income-generating property.

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How It Works 

• Apply Online – Start the process in just a few minutes.

• Pledge Crypto – Secure your BTC or ETH through a regulated custodian.

• Get Approved – Approval is based on your pledged assets, not your credit score.

• Close & Move In – Fiat funds are issued to purchase the property.

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Secure & Trusted Lending

Our crypto mortgage program is powered by reputable platforms like Milo, with licensed custodians such as BitGo and Coinbase ensuring secure asset custody, transparency, and compliance throughout the lending process.

Get Prequalified for a Home Loan with Confidence

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At Primary Home Loans and Investments (NMLS #2493728), getting prequalified is the smart first step toward homeownership. Whether you're a first-time buyer or upgrading your current home, our fast and easy process gives you a clear picture of your buying power—so you can shop with confidence.

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Why Get Prequalified?

• Know how much you can afford

• Strengthen your offers with sellers

• Get a head start on the mortgage process

• Discover the best loan options for your needs

• No impact to your credit score

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Apply Online – It’s Fast, Free & Secure

Skip the paperwork and apply from anywhere. Our secure online application makes it easy to get started in just minutes.

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👉 Click the link below to get prequalified today