(302) 703-0727

(302) 703-0727

VA Manufactured Home Loans

John Thomas October 20, 2025 Tags: , , , , ,
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VA Manufactured Home Loans: Single-Wide, Double-Wide & Multi-Wide (Expert Guide by John Thomas, PRMI)

Author: John Thomas, Loan Officer — Primary Residential Mortgage (PRMI)

Veterans and active-duty service members: if you’re exploring a manufactured home, your VA home loan benefit can be a powerful financing option. As a loan officer with Primary Residential Mortgage (PRMI), I help borrowers use VA loans to purchase eligible single-wide, double-wide, and multi-wide manufactured homes. This guide explains who qualifies, how to get your Certificate of Eligibility (COE), what property standards apply, and how to avoid common pitfalls—so you can move forward with confidence.  You can get started today by calling the John Thomas Team at 302-703-0727 or APPLY ONLINE Keep Reading...

One-Time Close Construction Loan | Build Your Dream Home with One Loan

John Thomas October 17, 2025 Tags: ,
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Build Your Dream Home with a One-Time Close Construction Loan

By John Thomas, Loan Officer | Primary Residential Mortgage, Inc.

Have you been dreaming of building your perfect home from the ground up? With a One-Time Close Construction Loan from the John Thomas Team with Primary Residential Mortgage (PRMI), you can purchase your land and build your home—all with one simple loan and one closing. No need to juggle multiple loans, re-qualify after construction, or pay extra closing costs.  This is a much better option than the traditional Construction to Permanent Construction Loans as that is a two time close. Keep Reading...

FHA Manufactured Home Loans: What You Need to Know

John Thomas October 14, 2025 Tags: , , ,
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FHA Manufactured Home Loans: Purchase & Refinance Guide

Learn how FHA manufactured home loans work for purchasing and refinancing HUD-code manufactured homes. FHA loans are for primary residences only.

Manufactured homes can be an affordable path to homeownership, and the FHA manufactured home loan can make financing more attainable. In this guide, we cover eligibility, property requirements, how to use an FHA manufactured home purchase loan, and your options to refinance a manufactured home with FHA. Important note: FHA loans are for primary residences only—not second homes or investment properties.  If you would like to apply for a FHA Manufactured Home Loan to purchase or refinance a property, give John Thomas Team with Primary Residential Mortgage a call at 302-703-0727 or APPLY ONLINE. Keep Reading...

DSHA FHA 203k Loan Program: Renovate Your Home with 5% Down Payment Assistance

John Thomas July 19, 2025 Tags: , ,
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Are you buying a home in Delaware that needs repairs or updates but short cash to close? The DSHA FHA 203k Limited Loan Program is a powerful mortgage option that allows you to finance both the purchase and renovation of a primary residence—with help from the Delaware State Housing Authority’s (DSHA) 5% down payment and closing cost assistance to make your home purchase more affordable.

This is a top option for first-time homebuyers in Delaware looking to purchase and renovate with one streamlined loan and get a 5% DPA Program. Find out if you qualify today by calling the John Thomas Team at 302-703-0727 or APPLY ONLINE. Keep Reading...

Ground Up Construction Loans for Builders & Investors

John Thomas July 19, 2025 Tags: , , , , , ,
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Flexible Financing for Experienced Builders & Real Estate Investors

Ground Up Construction Loans for experienced home builders. We provide funding to get your next building project off the ground. Whether you’re building to sell or creating a long-term rental portfolio, this flexible construction loan program is designed to help experienced builders and investors break ground faster and smarter.

This isn’t your average construction loan. With fast approvals, interest-only payments, and options for SPEC and build-to-rent projects, it’s tailored to support professionals ready to scale. If you’re planning to build a new home or investment property from the ground up, traditional financing often falls short. That’s where the Ground Up Construction Loan Program from the John Thomas Team comes in. Looking to get started ASAP? Call us at 302-703-0727 or APPLY ONLINE. Keep Reading...

Asset Qualifier Loan Program

John Thomas February 18, 2025 Tags: , ,
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Asset Qualifier Loan Program in Delaware & Maryland – Qualify Using Your Assets

The Asset Qualifier Loan Program is a flexible mortgage option that allows homebuyers and homeowners in Delaware and Maryland to qualify for a loan based on their verified assets — not traditional income documents. For borrowers with strong savings, investments, or retirement funds but limited reportable income, this program can open doors to homeownership or refinancing that might otherwise be out of reach.  This program does NOT require employment or income to justify your ability to repay.  This is a great program for retirees, undeserved self employed, divorced borrowers with no income, and other borrowers with large assets but no income. You can get started today by calling Loan Officer John Thomas at 302-703-0727 or APPLY ONLINE. Keep Reading...

FHA Loan Limits 2025

John Thomas December 1, 2024 Tags: ,
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The Federal Housing Agency (FHA) released its FHA Loan Limits 2025 on November 26, 2024. The FHA Loan Limits have increased and will be available for FHA borrowers for purchase or refinance with FHA case numbers assigned on or after January 1, 2025. The increase in loan limits will increase the purchasing power for home buyers as well as allow homeowners to tap into more of their existing equity on a FHA Cash Out Refinance. If you want to apply for a FHA loan or have questions, give the John Thomas Team a call at 302-703-0727 or APPLY ONLINE. Keep Reading...

Conventional Loan Limits 2025

John Thomas December 1, 2024 Tags: ,
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Conventional Loan Limits have increased for 2025 from $766,550 for a 1 Unit Property up to $806,500. This new maximum baseline conforming loan limit is effective January 1, 2025. Conventional Loans are backed by Fannie Mae and Freddie Mac. The announcement was made November 26, 2024 by the Federal Housing Finance Agency (FHFA). Primary Residential Mortgage is taking applications as of 11/26/2024 at the new higher loan limits on conventional loans and not waiting until January 1, 2025. If you would like to apply for a Conventional Loan, give the John Thomas Team a call at 302-703-0727 or APPLY ONLINE. Keep Reading...