Yonkers, NY Home Mortgage Lender | Freeport Mortgage Loans | Prysma Lending
Call Now: 1.888.743.9985
Banner - FHA Loans
Spanish Banner for Lending
Dream Home - Mortgage Loans
Spanish banner

Home Loans – Yonkers, NY

Your Trusted Yonkers, NY Lender


At Prysma Lending Group, we offer our clients a wide range of options to help individuals and families to purchase and own their homes in Yonkers. Prysma is your trusted lender for conventional and unconventional loans. Our team provides loan options and rates to circumstantial factors that contribute to a mortgage. We are here to help you through the entire process and are ready to answer any questions you may have.

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

Your Different Yonkers 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

At Prysma, the types of unconventional mortgage loans we provide are FHA Loans, VA Loans & Tax ID (ITIN Loans).

Refinancing Options

We offer refinancing options even if you already are a homeowner. Individuals who are looking to lower monthly payments and lower interest rates can refinance with Prysma.

Reverse Mortgages

Our team at Prysma can help those who want extra cash reverse mortgage loans for clients that want to leverage their existing equity.

The 4 Steps to Home Ownership in Yonkers, NY

At Prysma, we are ready to help individuals and families with any part of the homeownership process. We support our clients with any problems or questions you may have. Our team of specialists will assist you through the entire buying process of purchasing your first home or relocating to Yonkers. We use an easy 4-Step process .



Individuals need to be pre-qualified to begin the homeownership process. A licensed Mortgage Loan Originator will work directly with you through the whole process and help find the best price range for your personal needs. Our loan specialists guarantee that you will choose the best option for your needs.


Find Your Home & Make an Offer

After the pre-qualification process, you need to look for your new home in Yonkers. It’s important to keep in mind the price range, location, and safety ratings in a neighborhood. Once you have found your new home, you can make an offer and negotiate with the seller until you have reached an agreement on the property price. 


Loan Application

The next step of the process is to apply for a loan. Our Mortgage Loan Originators will assist you in your next steps while applying for the loan. A loan officer will file the loan application to secure you the loan that you need to purchase your home in Yonkers.


Closing & Moving in

Now that the loan is approved, you can pick a closing date and get ready to move into your new home. Finally, the last step is to move to your Yonkers home!

Why Borrowers Choose PRYSMA for Yonkers 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 Yonkers Home Mortgage Loans

Conventional Mortgage Loans in Yonkers

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:

Prysma offers mortgage funding for conventional loans due to a lack of government funding. The mortgage loans are not backed or insured by the Federal Housing Administration (FHA) or the Veterans Administration (VA). The options we offer our clients for a conventional loan is: 

  • Fixed-Rate Loan:

    A fixed-rate loan is perfect for an individual who has a steady monthly income and is able to make a monthly payment for a mortgage. Clients will receive a simple fixed-rate and be required to make a down payment upfront. After a down payment is made, monthly payments will follow but we ensure the monthly payment rate remains constant throughout the loan period.

  • Adjustable-Rate (ARM) Loan:

    An adjustable-rate loan is suitable for individuals who are planning to buy a home and have it for a short period of time in Yonkers. ARM mortgage will start at a low rate during the initial period but its rate will fluctuate each month depending on the market conditions and index rates. A cap will be negotiated but will have a maximum rate increase for an ARM loan. 

Unconventional Mortgage Loans in Yonkers

  • 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. At Prysma, we want to provide our clients with a lower down payment, lower closing costs, and lower interest rates. For qualification, the client 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 an ideal option for those who do not have a social security number, a Green Card, or a credit score. Our team will work to offer a Tax ID loan to 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 who are serving or have served in the military. A VA loan traditionally does not require a down payment and offers a lower interest rate compared to a conventional loan. To acquire this type of loan you must provide proof of military service as well as confirmation of no dishonorable discharge and disclosure of previous financials.

Large Brick Home - Mortgage Loan

Mortgage Refinancing in Yonkers

  • Mortgage Refinancing Options:

    Refinancing with Prysma can help you decrease your mortgage interest rates, reduce monthly payments, adjust early mortgage payoff options, or even try to pay less throughout the term of your loan. We want to provide you with services that best suit your financial and lifestyle needs.

Reverse Mortgage Options in Yonkers

  • Reverse Mortgage Options:  

    The reverse mortgage option is great for individuals who are over the age of 62 and want to exchange equity for cash. This reverse mortgage will allow you to live month to month and not pay a mortgage payment. A lender will exchange monthly payments to equity of the home. You won’t have to make payments until the 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. 


Prysma Lending Group strives to provide our clients with high-quality services from our Mortgage Loan Originators team. We are driven to provide conventional and unconventional loans to meet all of our client’s needs. Our loan officers are readily available to help you or you can visit our locations in Bridgeport, CT, and Danbury, CT. We also offer loan process services online and by phone. 

Our two Connecticut offices are located at:

We offer in-person meetings with our team of Mortgage Loan Officers. Visit us at one out of Connecticut locations:

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