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Every Surviving Spouse Should Know: Your U.S. Department of Veterans Affairs Home-Loan Benefit May Still Be Available

VA Loan for Surviving Spouse of a deceased Veteran is a little known VA benefit. John Thomas, a VA Loan Expert with Primary Residential Mortgage, Inc. (PRMI), helps veterans, active-duty service members, and eligible surviving spouses access the full power of their VA home-loan benefits. Too often, surviving spouses of America’s heroes miss out on this valuable opportunity simply because they never knew they qualified. This article explains who is eligible, what benefits are available, and how surviving spouses can take advantage of the program their loved one earned through service to the United States. Have questions or want to get started right away? Call VA Loan Officer John Thomas at 302-703-0727 or APPLY ONLINE Keep Reading...

Access your home’s equity without touching your low-rate first mortgage.

In today’s market, many homeowners are sitting on substantial home equity but hesitate to refinance because their current first-mortgage rate is far below today’s rates. That’s where a Non-QM Stand-Alone Second Mortgage—also known as a Closed-End Second Lien—can make perfect sense. Tap into your equity without touching your first mortgage. Income verification a problem? Or high debt to income ratio keeping you from qualifying for a traditional HELOC? Then give Home Equity Loan specialist John Thomas Loan Officer with Primary Residential Mortgage a call at 302-703-0737 or APPLY ONLINE

What is a Stand-Alone Second Mortgage?

A stand-alone second mortgage allows you to borrow against your home’s equity without touching your existing first mortgage. Rather than refinancing your entire balance into a higher-rate loan, you take out a second lien for a lump-sum amount, typically up to 90% combined loan-to-value (CLTV) based on your credit, income, and property type Keep Reading...

Mobile Home Loans on Leased Land

John Thomas November 2, 2025 Tags: chattel loans Delaware, Delaware mortgage programs, how to buy a mobile home without owning land, John Thomas loan officer Delaware, manufactured home financing, Mobile home Loans, mobile home loans on leased land, mobile home park loan programs, Mobile Homes Leased Land

Mobile Home Loans for Leased Land allow someone to purchase a single wide or multi-wide mobile home that has a lot lease or in a mobile home park with a minimum credit score of 550. Mobile Home Loans allow you to purchase a single wide or multi-section mobile home for a primary residence or second home. Mobile home parks are welcome! Mobile Home Loans on Leased Land are also called Chattel Loans. Chattel Loans are not for purchasing real estate, as leased land means the borrower doesn’t own the land so it is not considered real estate. If you want to find out how much you qualify for to purchase a Mobile Home, call the John Thomas Team with Primary Residential Mortgage at 302-703-0727 or APPLY ONLINE. Keep Reading...

DSHA Brings Back 4% Down Payment Assistance for Delaware Home Buyers

Great news for Delaware home buyers. The Delaware State Housing Authority (DSHA) has re-released its 4% Down Payment Assistance (DPA) program, giving eligible buyers more help with upfront costs when purchasing a home. The program is available only in conjunction with their Home Again Mortgage Program. Take advantage now by calling John Thomas Loan Officer at 302-703-0727 or APPLY ONLINE Keep Reading...