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Gig Harbor Branch
3226 Harborview Dr. Unit 1
Gig Harbor,
WA
98332
NMLS: 68849
253-312-0375
KoreyP@PRMG.NET

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Your journey to homeownership is just a few minutes away

Korey Pisha

Loan Officer | President's Cabinet Member

Korey Pisha

Loan Officer | President's Cabinet Member

Gig Harbor
3226 Harborview Dr. Unit 1
Gig Harbor,
WA
98332
NMLS: 68849
253-312-0375
KoreyP@PRMG.NET

START YOUR APPLICATION NOW

Your journey to homeownership is just a few minutes away

5.00

275 Reviews

ABOUT Korey Pisha

Hi, my name is Korey Pisha. I am 41 years old and have 4 kids, a wife, and 2 dogs. I live in Auburn WA for the last 10 years and have lived in WA State for over 30 years. I graduated from University of Washington June of 1999. Shortly after that I began doing mortgages for Metropolitan Mortgage Group. I have transferred to 3 different mortgage companies since then and now currently work at PRMG for the last 2 years. I would say in my 17 year Mortgage Career PRMG is my Favorite company to work for and a Top 5 Mortgage Company to work for in the United States. PRMG allows me to help my clients get the Best Mortgage Rates, Countless amounts of Loan Programs, Fast Underwriting Turn Times, Closings in 15 days or Less, & an Amazing supporting staff of Assistants & Processors to help communicate & follow up throughout the entire process. I like to make sure that my clients are fully informed of all programs so they can make the best decision when choosing what program and rate to choose. I offer advice on what I would do for the situation as I have dealt with every loan situation and scenario in my 17 year Career which helps me direct my clients in making the best decision for their biggest purchase in their life. I got in the Mortgage Business 17 years ago to help people and to prevent unpleasant experiences like the one I had when I bought my 1st house almost 18 years ago. I was young and inexperienced and was told my loan officer was taking care of everything with little communication. She kept switching my loan program, interest rate, and monthly payment which got me very nervous but the last straw was when I went to closing and Escrow told me the funds I needed to close were $2500 more than I was quoted I about lost it. I had to scramble to get the money from family or I would have lost my 1st home for Me and My family so I borrowed the money and closed on the deal. Then 6 months later I began doing mortgages to prevent this unfortunate situation from happening to any other people whether friends, family, referrals, or anyone looking for a Mortgage. This has helped me to continue to get Repeat Clients, Referrals, New Friends, & life long relationships. Trust and Communication is key in this industry so I strive to excel at both which has led me to be a Top Producing Loan Officer for 17 years now.

I enjoy working with all types of clients. I work with 1st Time Homebuyers, Seasoned 2nd, 3rd , & many more experienced buyers, clients with low scores of 560 or higher, clients with No credit Scores, Clients with perfect credit score, etc, etc. Im looking to work with anyone and everyone that I can to help them get into a house and at the best deal possible. I have many ideas and suggestions to help clients improve their credit scores, buy the house they want by qualifying them for ratios up to 57%, search for the lowest possible rate to keep the monthly payment as low as possible, match the best program up to the clients situation and scenario, and communicate with the client every step of the way so they know what is needed and what to expect for time frames and conditions and closings. I want to make sure my clients are fully educated and confident they made the right decision. Whether my clients are buying, refinancing, dropping off Mortgage Insurance, pulling cash out, adding cosigners to qualify or whatever the situation is I am here to HELP!! I have all types of financing from Conventional, FHA, VA, & under utilized USDA loan which are all Amazing programs. So if You, or a friend, or family member, or anyone you know needs some Free Honest Advice, 1st or 2nd Mortgage Opinion, Rate Quote, Financing Options & Program suggestions, please have them call me on my cell# 253-312-0375 and I would love to talk to them to help guide them through the entire process and help them achieve the dream of owning a home or decreasing their monthly mortgage payment. This process takes about 10-15 minutes to do Over the Phone or in person whichever works for the client and their situation and after that call the individual will know what they qualify for, what their approx monthly payment will be, current rates as of that day, monthly savings, their current credit score or advice on how to increase their score quickly, or any other questions they have for me relating to financing or anything they want to talk about. I am here for anyone and everyone to listen and offer the best advice for that person’s situation. I look forward to talking to you, your loved ones, or anyone you care about helping them with their situation to better their current situation and help their future be secured, safe, & stress free. When you are ready call me Korey Pisha at 253-312-0375 so I can help you!!

WHY CHOOSE PRMG FOR YOUR MORTGAGE JOURNEY?

With over 22 years of experience in the industry, Paramount Residential Mortgage Group, Inc. (PRMG) has a deep understanding of the mortgage market. Having garnered thousands of 5-star reviews, our commitment to customer satisfaction is second to none. PRMG knows that every borrower’s needs are unique and, as such, offers personalized mortgage solutions that align with your specific financial goals and circumstances. Our team of home mortgage professionals are standing by and ready to work closely with you to find the best mortgage options just for you.

WHAT ARE THE BENEFITS OF HOMEOWNERSHIP?

Homeownership is not only a significant milestone, but also a decision that offers a multitude of advantages. Beyond providing a place to call your own, owning a home brings financial stability, personal fulfillment, and a sense of belonging.

  • Build Equity:  Equity is the difference between the property’s value and the remaining mortgage balance. Every mortgage payment made increases equity. Historically, real estate appreciates over time, making equity building a sound long-term investment strategy.
  • Take Advantage of Tax Benefits: Mortgage interest and property tax payments are often tax-deductible, reducing your overall tax liability. These deductions can result in substantial savings, increasing your disposable income and providing financial advantages.
  • Provides a Stable and Unique Environment: Create a stable home that reflects your unique personality and tastes. Unlike renting, homeownership pairs stability for you and your family with the freedom to personalize your space through modifications, renovations, upgrades and more.

Choosing the right lender is crucial to securing the perfect home for you and your family. With our 22 years of mortgage expertise and commitment to customer satisfaction, PRMG is your ideal mortgage partner. Take the first step toward realizing your homeownership goals with Paramount Residential Mortgage Group, Inc. (PRMG) by your side.

HOME MORTGAGE OPTIONS

When it comes to home mortgages, the amount of options can feel overwhelming. Whether you’re a first-time homebuyer, purchasing a new home, or want to refinance your existing mortgage, it’s important to understand the different types of home mortgages available and which best fit your goals.

Generally, there are four primary types of home mortgages:

Government Backed Loans: Loans that are insured by the federal government, have lower credit score and down payment requirements, and have potentially higher interest rates.

Conventional Loans: Loans that are not backed by the federal government, typically require higher credit score and down payments, but may have lower interest rates.

Non-Qualified Loans: Loan options that do not meet specific criteria set by regulatory bodies, making them suitable for individuals with unique financial situations.

Non-Conforming Loans: Loans that exceed the standard loan limits and do not conform to government-sponsored loan guidelines.

Whatever loan type you choose, many will give you a choice between a fixed or adjustable interest rate.

Fixed Interest Rates: When the interest rate percentage remains the same throughout the life of the loan, offering predictability and stability.

Adjustable Interest Rates: When the interest rate percentage may start lower than a fixed rate but increases over time, depending on various factors.

You can read more about our home mortgage options below, or call our team of home mortgage professionals at any time!

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GOVERNMENT BACKED LOANS

These loans are insured by the federal government, have lower credit score and down payment requirements, but have potentially higher interest rates.

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FHA LOANS

  • Backed by the Federal Housing Administration

  • Popular choice for first-time homebuyers

  • Require lower minimum credit scores and down payments than many conventional loans

  • More accessible for many borrowers

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USDA LOANS

  • Backed by the U.S. Department of Agriculture

  • Designed for low-to-moderate income borrowers in Eligible Rural Areas

  • Flexible credit requirements with competitive interest rates and terms

  • Zero or low down payment options

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VA LOANS

  • Backed by the Department of Veterans Affairs

  • Offered to eligible veterans, active-duty service members, and their qualified family members.

  • Lower interest rates and fewer fees than traditional mortgages

  • Require no down payment

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CONVENTIONAL HOME LOANS

Conventional loans are mortgages not insured or guaranteed by any government agency. Instead, these loans are backed by private lenders, and typically have stricter credit and income criteria. These loans can be "conforming" or "non-conforming".

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MANUFACTURED HOME LOANS

  • Designed for the purchase or refinance of Manufactured Homes

  • Often have higher interest rates due to higher risk

  • Shorter loan terms create higher down payments

  • Great option for borrowers seeking affordable and flexible housing

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RENOVATION LOANS

  • Designed to fund renovations, remodels, or increase energy efficiency

  • Popular with homeowners without cash on hand for renovations

  • Several types available with unique terms and requirements

  • Helps homeowners improve quality of life or increase property's value

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NON-QUALIFIED LOANS

A Non-Qualified Loan is a type of mortgage that doesn't meet standards set by regulatory guidelines. They offer borrowers with unique financial situations financing options inaccessible to them through traditional mortgages requirements.

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INTEREST ONLY LOANS

  • Allows borrowers to only pay their loan's interest for a set time

  • Principal can be repaid in a lump sum or in payments

  • Allows real estate investors to allocate resources during interest only period and potentially increase returns on other investments

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NON-CONFORMING LOANS

Non-conforming loans, are mortgage options designed for borrowers whose financial circumstances fall outside conventional lending norms. While they provide flexibility, non-conforming loans typically involve higher interest rates and more stringent qualifications.

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JUMBO LOANS

  • Designed to finance properties that are too expensive for conforming loans

  • Maximum conforming loan in 2024 is between $766,550 and $1,149,825 depending on the location.

HOME BUYING CALCULATOR

Introducing our Home Buying Calculator – the ultimate tool for simplifying your home-buying process! Say goodbye to complicated financial jargon and lengthy calculations. Just input a few key details, and in a matter of minutes, receive a personalized estimate tailored to your home-buying goals. Whether you’re exploring mortgage options, contemplating property taxes, or curious about monthly payments, our Home Buying Calculator is designed to provide you with quick and accurate insights. Try it now for an instant estimate that puts you one step closer to your dream home!

REFINANCE CALCULATOR

Revolutionize your approach to mortgage decisions with our Refinance Calculator. No more complex financial jargon or tedious number crunching. With just a few details from you, this intuitive tool crafts a personalized snapshot, unveiling the potential savings from refinancing your home loan. Whether you’re eyeing a lower interest rate, exploring new loan terms, or consolidating debt, our calculator is your shortcut to informed choices.

Skip the hassle – try it now for an instant estimate and discover the long term benefits of refinancing your mortgage!

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Costs of points: $ 2500

New Monthly Payment

$0.00

Monthly Savings: $0.00

Difference in Interest: $0.00

Total Cost: $0.00

Months to Recoup Costs: 0.00

BRANCH INFORMATION

PRMG - Gig Harbor

BRANCH ADDRESS

3226 Harborview Dr. Unit 1
Gig Harbor,
WA
98332

BRANCH HOURS

Monday – Friday:
8:00AM – 5:00PM

CONTACT US

253-312-0375
KoreyP@PRMG.NET