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Home Loans – White Plains, NY

Your Trusted White Plains, NY Lender


Prysma Lending Group has a wide range of options to help everyone purchase and own their own home in the White Plains area. We are your trusted lender for loans in White Plains, offering both conventional and unconventional loans. We provide loan options and rates to circumstantial factors that contribute to a mortgage. Our team is committed to helping you at any point in the process and is ready to answer any questions you may have to make decisions.

Learn more about the services we offer, fill out the form here or call us today (855) 906-3416.

Your Different White Plains Mortgage Loan Options

Conventional Loans

Conventional loans offer flexible loan terms and lower down payment requirements and are available as a fixed or adjustable-rate mortgage.

Unconventional Loans

Unconventional mortgage loans we offer at Prysma are FHA Loans, VA Loans & Tax ID (ITIN Loans).

Refinancing Options

Even if you already own your own home, we offer refinancing options which include lowering your monthly payments or lowering your interest rate.

Reverse Mortgages

Prysma offers extra cash reverse mortgage loans for clients who want to leverage their existing equity.

The 4 Steps to Home Ownership in White Plains, NY

Our team at Prysma strives to provide you with any assistance and support you need. We have specialists readily available to help you with the buying process, whether you are purchasing your first home or purchasing a relocation home in White Plains. Here is our  4-Step process  to homeownership. 





The first step of the homeownership process is to be pre-qualified. One of our licensed Mortgage Loan Originators will work closely with you through the whole pre-qualification process and will help determine the best price range for you. Our loan specialists want to help you pick the best option that meets your needs. 


Find Your Home & Make an Offer

Now that you have completed the pre-qualification, it’s time to look for your new White Plains home. While looking, keep in mind factors like price range, location, and safety ratings in a neighborhood. Once you have found your new home, you can make an offer and negotiate until you have determined an agreement. 


Loan Application

Now that you reached an agreement, the next step is the loan application process. Our Mortgage Loan Originators will work with you and guide you through the process for the loan. A loan officer will help you file the loan application and ensure that you secure the appropriate loan for you to purchase your new White Plains home.


Closing & Moving in

After your mortgage loan’s approval, you will pick a closing date and prepare to move into your new home. The last step is to move into your new White Plains home! 

Why Borrowers Choose PRYSMA for White Plains Home Loans

Prysma Lending went above and beyond to help me with my loan. It’s hard to rely on a good lender now a days, with all the big corporate banks out there. Prysma provided me with Amazing service. I have been using them for over 10 years and couldn’t be happier.

– S. Johnson

Highly recommend Prysma! They were very professional and went above and beyond my expectations! They kept me informed and answered all my questions. A special thanks for Debora and Mark for their effort, even during their vacation they worked and made my closing happened.

– M. Breda

Prysma cares about their clients and works hard to demonstrate that with each closing!

– W. Bernard

Understanding White Plains Home Mortgage Loans

Conventional Mortgage Loans in White Plains

We provide all the mortgage funding for conventional loans due to a lack of government funding. Mortgage loans are also not backed or insured by the Federal Housing Administration (FHA) or the Veterans Administration (VA). Here are the options we offer our clients for conventional loans:

  • Fixed-Rate Loan:

    A fixed-rate loan will be the best option for an individual with a steady monthly income and is looking to make a monthly mortgage payment. You will receive a simple fixed-rate and be required to pay a down payment upfront and subsequently pay monthly payments. This loan ensures that the monthly payment remains the same throughout the time of the loan.

  • Adjustable-Rate (ARM) Loan:

    An adjustable-rate loan is the best option for an individual who is planning to buy a home in White Plains but only have it for a short period of time. ARM mortgage offers a lower rate during the initial period and then has fluctuating rates each month that are dependent on the market conditions and index rates. Even with the fluctuating rate, there is a maximum rate increase that will have a negotiated cap for this type of loan. 

Unconventional Mortgage Loans in White Plains

  • Federal Housing Administration (FHA) Loan:

    A Federal Housing Administration Loan is backed by the Federal Housing Administration government organization that is insured by the lender. Prysma offers our clients a better deal to give you a lower down payment, lower closing costs, and even lower interest rates. For qualification, borrowers must have a valid Social Security number, lawful residency in the U.S., and a steady employment history within the two years prior to applying for the loan.

  • Tax ID Loan:

    A Tax ID loan is perfect for individuals who don’t have a social security number, a Green Card, or a credit score. Prysma will offer a Tax ID loan for individuals who have a steady employment income and possess a passport and an Individual Tax Identification Number (ITIN).

  • Veterans Administration (VA) Loan:

    A Veterans Administration Loan is the best option for those in the military. A VA loan typically does not require a down payment and offers lower interest rates compared to conventional loans. Proof of military service is required as well as confirmation of no dishonorable discharge and disclosure of previous financials.

Large Brick Home - Mortgage Loan

Mortgage Refinancing in White Plains

  • Mortgage Refinancing Options:

    Prysma can help you refinance your mortgage by decreasing interest rates, reducing monthly payments, adjusting early mortgage payoff options, or even try to pay less through the term of the loan. Our team is dedicated to offering you the services to meet all your financial and lifestyle needs. 

Reverse Mortgage Options in White Plains

  • Reverse Mortgage Options:  

    If you are over the age of 62 and want to exchange equity for cash in order to live month to month a reverse mortgage is ideal for you. The mortgage allows for a homeowner not to pay a monthly mortgage payment but exchanges their equity in the home and the lender will pay the monthly payments instead. With a reverse mortgage, you won’t make payments to the lender until your home is vacated or sold. 

Our Connecticut Home Loan Office Locations

Our Mortgage Loan Originators team here at Prysma Lending Group strives to deliver our White Plains clients’ highest quality services. We are committed to meet all the needs of our clients through conventional or unconventional loans. You can contact one of our loan officers at one of our Connecticut locations in Bridgeport and Danbury. At your convenience, you can also complete the loan process over the phone and online.

Our two Connecticut offices are located at:

18 Padanaram Rd, Danbury, CT
4750 Main St, Bridgeport