Guiding Utah Families
through Home Financing
I help guide your family and individuals to achieve their
homeownership goals no matter what season of life you
are in.
Constant Communication
Simple Process
Award Winning Team
I'm so glad you're here!
Meet Gloria Aguirre
NMLS #2311418
Gloria has spent a total 17 years in the industry. It has always been a passion of hers to help people gain their forever home. She began working for Primary Residential about 3 years ago and has loved it ever since. When asked if is she enjoyed the work she does, she responded with “Love it. Best feeling of accomplishment”. She started as just a loan processor and worked her way up to earn her title as Loan Officer. Her main goal is to provide the education in homeownership. She is the daughter of proud Mexicans and a wonderful mother. She came from Mexico when she was young and after breaking many racial barriers, she has succeeded the impossible.
I'm Here to Help
Home Financing Options for Every Season of Life
Home Purchase
Customized mortgage plan
Lifelong mortgage assistance
Faster turnarounds
Home Refinance
Consolidate debt
Fund home renovations
Reduce your mortgage payment
Smart Home
Buy a house and add solar panels
Qualify for up to $10,000 in closing cost credits
Create the Smart Home that fit's your lifestyle
Home Financing can be... OVERWHELMING.
Home financing can be overwhelming, especially in the midst of life's hectic pace. But here at our mortgage office, we're more than just a team of experts – we're a group of compassionate individuals who genuinely care about your well-being. We understand that each financial situation is unique, and we're here to offer non-judgmental support and guidance tailored to your needs. Let us be your trusted partners as we navigate through the complexities together, ensuring that you find the best solution for your situation.
I Work on Your Loan
Like It's My Own
What People Said...
Frequently Asked Questions
There's no such thing as a bad question!
What are the different types of home loans available?
There are several types of home loans available, including conventional loans, FHA loans, VA loans, and USDA loans. Each has its own eligibility criteria, down payment requirements, and benefits. We can discuss which option best suits your needs during our consultation.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an initial assessment of your financial situation to estimate how much you may be able to borrow. Pre-approval, on the other hand, involves a more thorough review of your finances by a lender, including verification of income, assets, and credit history. Pre-approval gives you a more accurate idea of the loan amount you qualify for and strengthens your offer when making an offer on a home.
How much of a down payment do I need to buy a home?
The down payment requirement varies depending on the type of loan you choose and your financial situation. Conventional loans typically require a down payment of 3% to 20% of the home's purchase price, while FHA loans may require as little as 3.5% down. VA loans and USDA loans offer 100% financing options for eligible borrowers. We can explore the options available to you based on your circumstances.
What is the difference between a fixed-rate and adjustable-rate mortgage (ARM)?
A fixed-rate mortgage has a constant interest rate and monthly payment throughout the life of the loan, providing predictability and stability. An adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions, which can result in fluctuating monthly payments. We can discuss which type of mortgage aligns best with your financial goals and risk tolerance.
How long does the homebuying process typically take?
The homebuying process can vary depending on various factors such as market conditions, the complexity of the transaction, and individual circumstances. On average, it takes about 30 to 45 days to close on a home after the purchase agreement is signed. However, it's essential to be prepared for potential delays and work closely with your lender and real estate agent to navigate the process smoothly.
What documents do I need to apply for a home loan?
The documentation required for a home loan application typically includes proof of income (such as pay stubs or tax returns), asset statements (such as bank statements), employment verification, identification (such as a driver's license or passport), and information about any debts you owe. We'll guide you through the documentation process and help ensure you have everything you need for a smooth application process.
Start Your Home Financing Journey today!
© 2024 Primary Residential Mortgage, Inc. All Rights Reserved.
by Primary Residential Mortgage, Inc. NMLS#: 919520 Utah DRE Mortgage Office License # 8335595. MLO 0117736. MC3094-122. All loans subject to credit and property approval. PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Privacy Notice: By submitting your information via our website forms, you are opting in to receive communications from PRMIHome.com. This includes but is not limited to Email and SMS communications. We value your privacy and assure you that your information will be handled with care. You may opt-out of these communications at any time by contacting us or using the unsubscribe link in our messages.
