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Dunellen Branch
973-420-6207
LCrosby@prmg.net
NMLS: 2505190

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Laquan Crosby

Loan Officer

Laquan Crosby

Loan Officer

Dunellen
NMLS: 2505190
973-420-6207
LCrosby@prmg.net

START YOUR APPLICATION NOW

Your journey to homeownership is just a few minutes away

START HERE
COMIENZA AQUÍ

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40153 Reviews

ABOUT ME
WHY PRMG
OPTIONS
RESOURCES
BUY A HOME
REFINANCE A HOME
ABOUT ME
WHY PRMG
OPTIONS
RESOURCES
REFINANCE
BUY A HOME

ABOUT Laquan Crosby

I am committed to helping individuals and families achieve their homeownership goals. Whether you’re a first-time homebuyer, refinancing, or purchasing an investment property, I offer personalized solutions to meet your unique financial needs. I take pride in providing clear, transparent guidance throughout the entire loan process, ensuring that each client feels confident and well-informed at every stage. By leveraging my knowledge of the latest loan products, interest rates, and lending programs, I strive to find the best possible options for you. At the heart of my approach is a focus on building strong, lasting relationships with clients based on trust and open communication. My goal is to make your home financing experience as smooth and stress-free as possible.

Feel free to reach out for a consultation—I’m here to help you navigate the mortgage process with ease and confidence!

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

real_estate_agent

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.

TALK TO A HOME MORTGAGE PROFESSIONAL

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 - Dunellen

BRANCH ADDRESS

121 N Washington Avenue Suite 1
Dunellen,
NJ
08812

BRANCH HOURS

Monday – Friday:
8:00AM – 5:00PM

CONTACT US

973-420-6207
LCrosby@prmg.net
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1265 Corona Pointe Court, Suite 301

Corona, CA. 92879

866.776.4937

corporateoffice@prmg.net

www.prmg.net

  • ABOUT Laquan Crosby
  • WHY CHOOSE PRMG
  • PURCHASE A HOME
  • REFINANCE YOUR HOME

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