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Mortgage FAQs
Mortgage FAQs - Primis Mortgage Mortgage FAQs Have Questions? We Have Answers. For inquiring minds, here’s the nitty gritty on some of your more common questions. Find a Mortgage Banker Frequently Asked Questions How important is it to get pre-qualified? A pre-qualification gives borrowers a solid understanding of how much house they can afford. Buyers supply their lender with information such as current debts, assets, income, and employment. Credit scores are pulled by the lender, and all of this is reviewed to determine an approximate range of how much loan the borrower is likely to be eligible for. Having a pre-qualification in hand, sellers know you’re serious because you’ve done your homework and can make an informed offer. Plus, borrowers don’t end up wasting time and energy on homes above their financial reach. What’s the difference between a prequalification and a preapproval? Though many people use these terms interchangeably, prequalifications and preapprovals are not the same. While they both offer information about the loan amount the borrower is likely able to secure, and neither is a commitment to lend, they also differ distinctly.Prequalifications are often provided within the same day of request and are based solely on basic data provided by the borrower. A preapproval is provided after an in-depth review, and verification, of the borrower’s complete loan application and credit information. With a prequalification, the lender will give an estimate for a loan amount. The preapproval, though conditional, details an exact loan amount and interest rate being offered to the borrower. Neither a prequalification or preapproval is a guarantee the borrower will receive a loan, but either one is instrumental in proving a borrower’s offer is legitimate. How much money do I need for a down payment? The days of hefty down payments are largely a thing of the past. It’s best to pay as much upfront as possible, reducing the mortgage amount and potentially avoiding the need for private mortgage insurance (PMI). But many loans, such as FHA, VA, USDA and others, offer down payment flexibility. Some sellers are also willing to contribute towards down payment or closing costs.A variety of down payment assistance options are also available, some providing up to 100% financing. In general, down payment requirements vary widely, and it is best to speak with a mortgage lender for guidance based on individual scenarios. What are discount points? Discount points are a way to pay money upfront to buy down the interest rate. One point is typically equal to 1% of the loan amount, so for a loan amount of $350,000, one point costs $3,500. This can be a beneficial initial cost because points could be tax deductible, and most lenders will allow a buyer to pay for up to 3 points. It’s best to talk with a tax professional for more details on tax-related information. Keep in mind, it’s wise to crunch the numbers to make sure the upfront payment is less the amount of money that would be paid over the life of the loan at the higher rate. How much are closing costs? Closing costs are the amount of money paid at the time of closing the loan and are separate from the loan amount. These generally range from 2% to 5% of the loan amount and encompass expenses such as appraisal fees, title insurance, loan origination fees, attorney fees, and prepaid expenses like property taxes and homeowners insurance. Buyers can sometimes negotiate closing costs with the seller or roll them into the loan, and some programs offer no lender fees, which substantially reduces the total closing cost amount. What is escrow? Escrow is a neutral legal holding account where initially invested funds are kept while the mortgage application is still in process. When a borrower decides on a home, they deposit earnest money into an escrow account, which shows the borrower’s commitment to the purchase. An independent escrow officer manages the necessary paperwork and ensures all conditions, such as inspections and repairs, are met before releasing the funds to the lender at the time of purchase. Because this is a neutral transaction, buyers and sellers have greater peace of mind knowing this safeguard is in place to protect against fraudulent activity.Once the loan has closed, an escrow account is set up for making future tax and insurance payments. Each month you pay your monthly mortgage payment and 1/12 of the estimated annual taxes and insurance charges. These funds are held in escrow until the taxes and insurance are due, at which time your lender will make these payments from escrow on your behalf. What is DTI, or debt-to-income? DTI is the way a lender measures a borrower’s ability to manage debt alongside their income. We compare all monthly debt payments, plus the proposed housing expenses (including principal, interest, taxes, insurance, and other fees), with gross monthly income to determine how much loan a borrower is capable of repaying. In general, the lower a borrower’s DTI the better, with an ideal range being at or below 36%. But if your DTI is on the higher side, financing options may be available to meet unique circumstances. What is a credit score (FICO)? The Fair Isaac Corporation (FICO) score is the nation’s most popular credit score calculation and is determined based on an individual’s credit profile. FICO reports a specific score tailored for mortgages, and scores commonly range from 300 – 850. The higher the number the better the credit rating (and better chances for receiving financing and lower interest rates). This number is important because it affects loan eligibility, interest rates and terms. What do I do if I have poor credit? Low credit scores do not mean it’s impossible to get home financing. Many loan programs offer funding to individuals with less-than-ideal credit scores, depending on factors, such as DTI and loan-specific guidelines. It’s also possible to repair low or damaged credit by improving credit and financial literacy and taking certain actions to address weaknesses in credit performance.For more information on boosting or repairing credit scores, check out our Credit Boost blog and talk with a reputable credit repair specialist. For suggestions on how to find a credit repair professional, contact a loan officer in your area. What’s the best loan for me? The best loan for each individual depends on many factors. Most loans fall into two categories: fixed rate and adjustable-rate loans. Fixed rate loans are usually set up with a 30 year term (although 15 year options are available), and the principal and interest payments associated remain consistent for the life of the loan. This is because the interest rates are established when the loan is dispensed. These are often conventional or federally funded and offer the buyer the stability of knowing what to expect for the duration of the loan.Adjustable-rate loans have an initial fixed interest rate for the first couple of years and then fluctuate (causing changes in the monthly payments) based on the market conditions. Often the initial interest rate is lower than with a fixed-rate loan, which is helpful for borrowers who plan to move before the loan is subject to market changes. What is PMI, and do I have to have it? Private mortgage insurance (PMI) is a policy that may be required for individuals with lower down payments to protect the lender, in the event the borrower stops making payments. This is often necessary with conventional loans and can be required when refinancing with a conventional loan when the home’s equity is less than 20% of the value of the home.* As the borrower makes continued payments and the home’s equity builds, it may be possible to cancel PMI once a certain threshold is reached. The nitty gritty:Primis Mortgage Company (“Primis Mortgage”) is a subsidiary of Primis Bank, a Member FDIC. Primis Mortgage NMLS #1894879 | AL #23183 | BK #1042893 | ML #1894879 | #41DBO-166162 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act (www.nmlsconsumeraccess.org). For additional licensing information click here. As always, all loans are subject to credit approval and product guidelines. Other terms and conditions may apply.Source: https://www.consumerfinance.gov/ask-cfpb/what-is-private-mortgage-insurance-en-122/
Surefire Intro - Primis Mortgage
Surefire Intro- Primis Mortgage Play Video Your Homebuying Journey Has Begun! Your Homebuying Journey Has Begun! With your application submitted, you’re on your way to a successful home purchase. Our team of mortgage experts is reviewing your information and preparing for next steps. Here’s more about what’s happening behind the scenes. Primis Mortgage Company (“Primis Mortgage”) is a subsidiary of Primis Bank, a Member FDIC. Primis Mortgage NMLS #1894879 | AL #23183 | BK #1042893 | ML #1894879 | #41DBO-166162 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act (www.nmlsconsumeraccess.org). For additional licensing information click here. As always, all loans are subject to credit approval and product guidelines. Other terms and conditions may apply.
Surefire Conditional Approval - Primis Mortgage
Surefire Conditional Approval - Primis Mortgage Play Video Your Application is Conditionally Approved! Your Application is Conditionally Approved! As your loan application moves through our pipeline, we often have a few final questions to ensure a smooth closing. Check out what conditional approval could mean for you here. Primis Mortgage Company (“Primis Mortgage”) is a subsidiary of Primis Bank, a Member FDIC. Primis Mortgage NMLS #1894879 | AL #23183 | BK #1042893 | ML #1894879 | #41DBO-166162 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act (www.nmlsconsumeraccess.org). For additional licensing information click here. As always, all loans are subject to credit approval and product guidelines. Other terms and conditions may apply.
Surefire Welcome Home - Primis Mortgage
Surefire Welcome Home - Primis Mortgage Play Video Welcome Home! Welcome Home! As the purchase process ends, now begins the next chapter of your homeownership experience. Even after the boxes are unpacked and you’re settled in your home, don’t be a stranger. We’re always here to help with questions or future home purchase needs. Thank you letting us be a part of your Primis Mortgage experience! Primis Mortgage Company (“Primis Mortgage”) is a subsidiary of Primis Bank, a Member FDIC. Primis Mortgage NMLS #1894879 | AL #23183 | BK #1042893 | ML #1894879 | #41DBO-166162 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act (www.nmlsconsumeraccess.org). For additional licensing information click here. As always, all loans are subject to credit approval and product guidelines. Other terms and conditions may apply.
Surefire Underwriting - Primis Mortgage
Surefire Underwriting - Primis Mortgage Learn how the appraisal process helps determine property value and supports your mortgage approval during the home buying journey. Play Video Your Loan is in Underwriting! Your Loan is in Underwriting! Now that your file is with our underwriters, they may have questions. Learn more about this process, and find out how to be prepared. Primis Mortgage Company (“Primis Mortgage”) is a subsidiary of Primis Bank, a Member FDIC. Primis Mortgage NMLS #1894879 | AL #23183 | BK #1042893 | ML #1894879 | #41DBO-166162 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act (www.nmlsconsumeraccess.org). For additional licensing information click here. As always, all loans are subject to credit approval and product guidelines. Other terms and conditions may apply.
Home
Mortgages - Primis Mortgage Primis Mortgage Company There’s no place like home Discover the Primis Mortgage difference. As a subsidiary of Primis Bank, we bring you mortgage expertise backed by the reliability of our parent bank. We’re obsessed with the customer experience, and it all starts here. Find A Mortgage Banker Meet Our Leadership Team Loans Your Way Find your perfect match. You have your wish list; we’re here to help you find the loan that checks the boxes. Whether you’re shopping for your first home, working with limited upfront funds, or wanting to invest—you name it—we’ve got you covered. Find A Mortgage Lender Get Started Download The Primis Mortgage App Download Get To Know Us Learn More A Mortgage Solution for You Primis offers unique services and a streamlined, modernized process to ensure the best customer experience in the industry. We have the right solution for you. Below are some highlights of our greatest hits. Keep in mind that all loans are subject to approval and product guidelines, and each loan has special terms and conditions. Down Payment Assistance (DPA) Limited upfront funds don’t mean limited options. Access DPA and get up to 100% financing. Learn More USDA Loan Buy in a “rural” area with up to 100% financing and competitive rates. Learn More VA Loan Zero lending fees and no down payment or mortgage insurance requirement for our U.S. military heroes.* Learn More Refinance Consolidate debt, lower your mortgage rate or access cash for almost anything you can imagine with a refi loan. Learn More Professional Loan Select professionals** may qualify for 100% financing and no private mortgage insurance required. Learn More Jumbo Loan Chase your big home dreams with a big loan. Financing available for up to $10,000,000 on primary, secondary and investment properties. Learn More Debt Service Coverage Ratio (DSCR) Use rental income as cash flow to qualify for up to $3,000,000 financing on investment properties. Learn More FHA Loan Access home funding with lower down payment and credit score requirements. FHA loans are backed by the federal government to help make homeownership possible for many. Learn More Construction Loan Start fresh and create the home you want by building your own. Our construction loan offers financing to make your vision a reality. Learn More Access Total Mortgage (ATM) Loan The ATM loan is a financing solution that combines your mortgage, checking and a non-traditional HELOC into one powerful account. Every deposit works to lower your balance automatically. Learn More Work With a Loan Officer We originate loans in 45 states and the District of Columbia. If you want to work with a loan officer near you, select your state to get started.Our mortgage experts always go above and beyond to make buying or refinancing a home as easy and stress-free as possible. Find A Mortgage Banker Why Can’t We? Your dream home isn’t clunky, so why should your loan experience be?Primis Mortgage is built on the simple question, “why can’t we?” We’re not afraid to challenge the status quo in order to offer our customers exceptional service, competitive prices, and streamlined processing.We leverage the latest technology while relentlessly pursuing customer satisfaction. We’re here to help you. It’s just what we do. Meet Our Leaders Join Our Team The Nitty Gritty:Primis Mortgage Company (“Primis Mortgage”) is a subsidiary of Primis Bank, a Member FDIC. Primis Mortgage NMLS #1894879 | AL #23183 | BK #1042893 | ML #1894879 | #41DBO-166162 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act (www.nmlsconsumeraccess.org). For additional licensing information click here. As always, all loans are subject to credit approval and product guidelines. Other terms and conditions may apply. *Active duty, retired, or honorably discharged members of the military or their surviving spouses are eligible for the VA loan. Fee reduction applied to standard VA loans only and is a $1695 lender fee waiver. The offer is subject to all applicable state rules and regulations and may not be available in all states. **Available to Medical Doctors (MD), Podiatrists (DPM), Ophthalmologists (MD or DO), Veterinarians (DVM or VMD), Osteopaths (DO), Dentists (DMD & DDS), Psychiatrists (MD or DO), Pharmacists (PharmD), Certified Registered Nurse Anesthetist (CRNA), and Medical Residents, Fellows, or Interns with one of the former listed degrees, Nurse Practitioners, Physicians Assistants, Chiropractors, Surgeons, Certified Public Accountants (CPA), Attorneys, or Airline Pilots.Consumer Access – Company (nmlsconsumeraccess.org)
Primis Mortgage CEO John Owens Named A 2026 HousingWire Vanguard
Primis Mortgage CEO John Owens Named a... - Primis Mortgage Primis Mortgage CEO John Owens Named A 2026 HousingWire Vanguard Primis Mortgage CEO John Owens Named A 2026 HousingWire Vanguard Author: Primis Mortgage | Published: Tuesday, September 1, 2026 Recognition honors Owens’ leadership, vision and impact on the mortgage industryWILMINGTON, N.C. – Primis Mortgage President and CEO John Owens has been named a 2026 HousingWire Vanguard, recognizing his leadership, vision and impact on the mortgage industry.The HousingWire Vanguards award honors C-suite executives and senior leaders whose vision and business impact are helping move the mortgage, real estate and homebuilding industries forward.For more than three decades, Owens has built and led successful mortgage organizations by combining entrepreneurial vision with a people-first leadership philosophy. He founded Ameritrust Companies in 1995 and led the organization through its successful sale in 2015. He later founded SeaTrust Mortgage in 2020 and guided it through its acquisition by Primis Bank in 2022. Owens is also the author of The Corporate Cure, a business leadership book focused on building healthier, higher-performing organizations.Under Owens’ leadership, Primis Mortgage has expanded its national reach, strengthened its operational infrastructure and invested in technology and artificial intelligence to create a more efficient, scalable mortgage platform. Since the 2022 acquisition, the company has achieved approximately 236% workforce growth and 254% growth in its loan officer team while expanding its lending footprint to 45 states and the District of Columbia.“This recognition reflects the effort, trust and passion of the entire Primis Mortgage team,” said Owens. “Our growth has never been about becoming bigger for the sake of being bigger. It is about building a company where talented people can thrive, customers truly come first, and creative leadership and innovative thinking lead to new and better solutions. I am proud of what we have accomplished together and even more excited about what we are building next.”Owens has placed culture at the center of Primis Mortgage’s growth strategy, emphasizing customer obsession, high trust, integrity, passion and personal and professional growth.“John has a rare ability to connect a bold, long-term vision with the people and practical decisions needed to bring it to life,” said Pam Jenkins, Chief Operating Officer of Primis Mortgage. “He challenges us to think differently, operate with discipline and never lose sight of the culture behind our results. This recognition is incredibly well deserved.” About Primis Primis Bank (Member FDIC) is a high-growth, forward-thinking bank committed to building a better banking experience for consumers, businesses, and communities. With industry-leading digital tools, a relentless focus on customer care, and a culture built around doing things the right way—not the easy way—Primis continues to invest in growth, innovation, and people. About Primis Mortgage Primis Mortgage was born out of the belief that the mortgage industry as a whole can do better but saw an opportunity to be the best. Primis Mortgage acts like an independent mortgage company, but leverages the stability and resources of a bank. Our network of mortgage experts lends in 45 states (and Washington D.C.) with more on the way; bringing faster processes, better products, and ultimate transparency to its customers. Related Tags Mortgage Press Release Share on News & Press Chloe Brewer Joins Primis Mortgage, Continuing a Career Built on Lasting Relationships ASHEBORO, N.C. — Primis Mortgage is pleased to welcome Chloe Brewer to their growing family of mortgage professionals. Brewer brings a relationship-first approach, creative problem-solving and a passion for helping borrowers make confident, informed decisions about homeownership.Throughout her career, Brewer has focused on making the mortgage experience personal. She believes home lending is about more than just numbers. It’s about understanding the people and families behind each loan, listening to their goals and building relationships that last well beyond closing.“Bringing Chloe onto our team is a big win,” said Ritchie Love, East Coast divisional president at Primis Mortgage. “She brings valuable experience, a passion for serving others and, most importantly, a genuine ability to connect with people. We’re thrilled to have her at Primis and look forward to supporting her in this next chapter.”For Brewer, joining Primis Mortgage was an opportunity to continue putting relationships at the center of her work.“What stood out to me about Primis was the shared belief that this business is about people first,” Brewer said. “Buying a home is a big decision, and I want my clients to feel informed, supported, and confident throughout the process. I’m excited to join a team that values people and gives me the opportunity to continue serving my community in a meaningful way.”Chris Blevins, national sales director at Primis Mortgage, shared that Brewer’s combination of industry experience and personalized service will make her a strong addition to the team.“Chloe understands how to meet people where they are and help them navigate their options with confidence,” Blevins said. “She brings experience, creativity, and a real passion for serving others, and we’re excited to have her representing Primis.”With Brewer joining the team, Primis Mortgage looks forward to supporting her as she continues serving homebuyers and building lasting relationships throughout her community. Read Article
Pam Jenkins of Primis Mortgage Named to HousingWire’s 2026 Insiders List
Pam Jenkins of Primis Mortgage Named to... - Primis Mortgage Pam Jenkins of Primis Mortgage Named to HousingWire's 2026 Insiders List Pam Jenkins of Primis Mortgage Named to HousingWire’s 2026 Insiders List Author: Primis Mortgage | Published: Wednesday, August 5, 2026 HousingWire recognizes Primis Mortgage chief operating officer among housing industry’s top operational leaders WILMINGTON, N.C. – Primis Mortgage announced today that Chief Operating Officer Pam Jenkins has been named to HousingWire’s 2026 Insiders list, which recognizes the housing industry’s most impactful operational leaders. Now in its 11th year, the HousingWire Insiders award honors professionals whose leadership, expertise and execution drive meaningful results behind the scenes across mortgage lending, real estate, technology and finance. HousingWire selected 85 industry leaders for its 2026 class based on the significance of their contributions, their leadership in execution and their measurable impact on their organizations and the broader housing industry. As chief operating officer of Primis Mortgage, Jenkins oversees operational strategy and execution across the organization, helping ensure an efficient, scalable and customer-focused mortgage experience. Her leadership has strengthened collaboration across teams, enhanced operational effectiveness and supported the company’s ability to deliver consistent results in an evolving market. John Owens, CEO of Primis Mortgage, said Jenkins’ recognition is a reflection of the impact she has on the company and throughout the mortgage industry. “Pam is truly one of the best in the business. Her leadership, operational expertise and unwavering commitment to excellence have helped shape Primis Mortgage into the company it is today. We are incredibly proud to see her recognized by HousingWire, and we’re lucky to have an all-star like her on our team.” HousingWire described its Insiders honorees as trusted problem-solvers, strategic operators and collaborative leaders whose work helps transform organizational goals into measurable outcomes. Jenkins’ recognition reflects her role in helping drive operational performance while supporting Primis Mortgage’s continued growth and commitment to service excellence. The HousingWire Insiders award is one of the mortgage industry’s premier recognitions for operational leadership, highlighting professionals whose behind-the-scenes contributions help their organizations innovate, grow and better serve customers. The complete list of HousingWire’s 2026 Insiders is available at HousingWire.com. About Primis Primis Bank (Member FDIC) is a high-growth, forward-thinking bank committed to building a better banking experience for consumers, businesses, and communities. With industry-leading digital tools, a relentless focus on customer care, and a culture built around doing things the right way—not the easy way—Primis continues to invest in growth, innovation, and people. About Primis Mortgage Primis Mortgage was born out of the belief that the mortgage industry as a whole can do better but saw an opportunity to be the best. Primis Mortgage acts like an independent mortgage company, but leverages the stability and resources of a bank. Our network of mortgage experts lends in 45 states (and Washington D.C.) with more on the way; bringing faster processes, better products, and ultimate transparency to its customers. Related Tags Mortgage Press Release Share on News & Press Chloe Brewer Joins Primis Mortgage, Continuing a Career Built on Lasting Relationships ASHEBORO, N.C. — Primis Mortgage is pleased to welcome Chloe Brewer to their growing family of mortgage professionals. Brewer brings a relationship-first approach, creative problem-solving and a passion for helping borrowers make confident, informed decisions about homeownership.Throughout her career, Brewer has focused on making the mortgage experience personal. She believes home lending is about more than just numbers. It’s about understanding the people and families behind each loan, listening to their goals and building relationships that last well beyond closing.“Bringing Chloe onto our team is a big win,” said Ritchie Love, East Coast divisional president at Primis Mortgage. “She brings valuable experience, a passion for serving others and, most importantly, a genuine ability to connect with people. We’re thrilled to have her at Primis and look forward to supporting her in this next chapter.”For Brewer, joining Primis Mortgage was an opportunity to continue putting relationships at the center of her work.“What stood out to me about Primis was the shared belief that this business is about people first,” Brewer said. “Buying a home is a big decision, and I want my clients to feel informed, supported, and confident throughout the process. I’m excited to join a team that values people and gives me the opportunity to continue serving my community in a meaningful way.”Chris Blevins, national sales director at Primis Mortgage, shared that Brewer’s combination of industry experience and personalized service will make her a strong addition to the team.“Chloe understands how to meet people where they are and help them navigate their options with confidence,” Blevins said. “She brings experience, creativity, and a real passion for serving others, and we’re excited to have her representing Primis.”With Brewer joining the team, Primis Mortgage looks forward to supporting her as she continues serving homebuyers and building lasting relationships throughout her community. Read Article
Primis Mortgage Takes Home Plenty of Hardware from 2024 Awards Ceremony
Primis Mortgage Takes Home Plenty of Ha... - Primis Mortgage Primis Mortgage Takes Home Plenty of Hardware from 2024 Awards Ceremony Primis Mortgage Takes Home Plenty of Hardware from 2024 Awards Ceremony Author: Primis Mortgage | Published: Tuesday, February 25, 2025 NASHVILLE, Tenn. — Primis Mortgage Company’s team based out of Murfreesboro, Tennessee were awarded multiple honors at the 2024 Awards of Excellence Gala hosted by the Nashville Mortgage Bankers Association.Primis Mortgage’s Regional Market Leader, Belinda Arender, was named Community Lender of the Year for the third year in a row, marking her continued commitment and passion for community lending and education efforts.“What more could you say about Belinda?” Primis Mortgage National Sales Director Chris Blevins said. “Not only is she an amazing loan officer herself, she does so much for her team and serves as a great inspiration for many here at Primis Mortgage. It’s no surprise why she’s taken home this same award the past few years—nobody goes above and beyond more than the mortgage queen.”Arender and many other Primis Mortgage loan officers took home awards for their exceptional performance during 2024. These awards are broken into levels based on the individual’s production.Silver Level ($10,000,000 – $19,999,999): Amy Cantrell, Kyle Koonce and Bryan NaleGold Level ($20,000,000 – $49,999,999): Bryan Johnson, Austin Swayze and Kaleb SwayzePlatinum Level ($50,000,000 – $74,999,999): Belinda Arender About Primis Primis Bank (Member FDIC) is a high-growth, forward-thinking bank committed to building a better banking experience for consumers, businesses, and communities. With industry-leading digital tools, a relentless focus on customer care, and a culture built around doing things the right way—not the easy way—Primis continues to invest in growth, innovation, and people. About Primis Mortgage Primis Mortgage was born out of the belief that the mortgage industry as a whole can do better but saw an opportunity to be the best. Primis Mortgage acts like an independent mortgage company, but leverages the stability and resources of a bank. Our network of mortgage experts lends in 45 states (and Washington D.C.) with more on the way; bringing faster processes, better products, and ultimate transparency to its customers. Related Tags Mortgage Press Release Share on News & Press Chloe Brewer Joins Primis Mortgage, Continuing a Career Built on Lasting Relationships ASHEBORO, N.C. — Primis Mortgage is pleased to welcome Chloe Brewer to their growing family of mortgage professionals. Brewer brings a relationship-first approach, creative problem-solving and a passion for helping borrowers make confident, informed decisions about homeownership.Throughout her career, Brewer has focused on making the mortgage experience personal. She believes home lending is about more than just numbers. It’s about understanding the people and families behind each loan, listening to their goals and building relationships that last well beyond closing.“Bringing Chloe onto our team is a big win,” said Ritchie Love, East Coast divisional president at Primis Mortgage. “She brings valuable experience, a passion for serving others and, most importantly, a genuine ability to connect with people. We’re thrilled to have her at Primis and look forward to supporting her in this next chapter.”For Brewer, joining Primis Mortgage was an opportunity to continue putting relationships at the center of her work.“What stood out to me about Primis was the shared belief that this business is about people first,” Brewer said. “Buying a home is a big decision, and I want my clients to feel informed, supported, and confident throughout the process. I’m excited to join a team that values people and gives me the opportunity to continue serving my community in a meaningful way.”Chris Blevins, national sales director at Primis Mortgage, shared that Brewer’s combination of industry experience and personalized service will make her a strong addition to the team.“Chloe understands how to meet people where they are and help them navigate their options with confidence,” Blevins said. “She brings experience, creativity, and a real passion for serving others, and we’re excited to have her representing Primis.”With Brewer joining the team, Primis Mortgage looks forward to supporting her as she continues serving homebuyers and building lasting relationships throughout her community. Read Article
Primis Mortgage Welcomes Five Strategic Hires to Support Continued Growth
Primis Mortgage Welcomes Five Strategic... - Primis Mortgage Primis Mortgage Welcomes Five Strategic Hires to Support Continued Growth Primis Mortgage Welcomes Five Strategic Hires to Support Continued Growth Author: Primis Mortgage | Published: Wednesday, August 5, 2026 WILMINGTON, N.C. – Primis Mortgage is proud to announce the addition of five outstanding professionals whose expertise will further strengthen the company’s growing platform: Ava Lunenfeld, Mitzi Hutchens, Joy Outten, Ashley Warren and Jessica Thompson.The new core team members expand the company’s capabilities across capital markets, construction lending, servicing and strategic lending solutions, reflecting Primis Mortgage’s continued investment in the talent and infrastructure needed to support its next level of growth.Ava Lunenfeld joins the Capital Markets team as an important strategic addition to strengthen the company's ability to support the broader organization and continue building for what comes next.Mitzi Hutchens, Director of Construction Lending, brings focused expertise to Primis Mortgage’s growing construction lending platform. She has already played an active role in the successful implementation of the company’s FHA One-Time Close construction program.As Senior Construction Lending Specialist, Joy Outten adds specialized knowledge and experience to the company’s expanding construction lending team.Ashley Warren joins as Director of Loan Fulfillment and will help advance the company’s servicing capabilities as Primis Mortgage continues to develop a scalable infrastructure for future growth.Jessica Thompson joins as Director of Strategic Lending Solutions, bringing extensive specialty and non-QM lending knowledge that will help expand the solutions available to Primis Mortgage’s sales teams and customers.“We are incredibly excited to grow our team with such exceptional talent,” said John Owens, President and CEO of Primis Mortgage. “Mitzi, Joy, Ashley and Jessica each bring specialized knowledge, valuable experience and a fresh perspective to areas that are essential to our future. Ava's diverse skill set and analytical acumen will be instrumental to the impact of our Capital Markets team on overall company success. All five will be strong elements in the foundation of taking Primis Mortgage to the next level, helping us expand our capabilities while continuing to deliver the service and innovative solutions our teams and customers expect. Just as importantly, we cannot wait to support their individual growth and see the impact they will make across our organization.”“These additions represent an important investment in the strength and scalability of our operations,” said Pam Jenkins, Chief Operating Officer of Primis Mortgage. “Each of these professionals brings industry insight that complements our existing team and supports where we are headed as a company. We are thrilled to welcome them to Primis Mortgage and look forward to building what comes next together.”These new additions reinforce Primis Mortgage’s belief that sustainable growth begins with talented people who bring complementary expertise, a commitment to excellence and a shared commitment to improve the customer experience. About Primis Primis Bank (Member FDIC) is a high-growth, forward-thinking bank committed to building a better banking experience for consumers, businesses, and communities. With industry-leading digital tools, a relentless focus on customer care, and a culture built around doing things the right way—not the easy way—Primis continues to invest in growth, innovation, and people. About Primis Mortgage Primis Mortgage was born out of the belief that the mortgage industry as a whole can do better but saw an opportunity to be the best. Primis Mortgage acts like an independent mortgage company, but leverages the stability and resources of a bank. Our network of mortgage experts lends in 45 states (and Washington D.C.) with more on the way; bringing faster processes, better products, and ultimate transparency to its customers. Related Tags Mortgage Press Release Share on News & Press Chloe Brewer Joins Primis Mortgage, Continuing a Career Built on Lasting Relationships ASHEBORO, N.C. — Primis Mortgage is pleased to welcome Chloe Brewer to their growing family of mortgage professionals. Brewer brings a relationship-first approach, creative problem-solving and a passion for helping borrowers make confident, informed decisions about homeownership.Throughout her career, Brewer has focused on making the mortgage experience personal. She believes home lending is about more than just numbers. It’s about understanding the people and families behind each loan, listening to their goals and building relationships that last well beyond closing.“Bringing Chloe onto our team is a big win,” said Ritchie Love, East Coast divisional president at Primis Mortgage. “She brings valuable experience, a passion for serving others and, most importantly, a genuine ability to connect with people. We’re thrilled to have her at Primis and look forward to supporting her in this next chapter.”For Brewer, joining Primis Mortgage was an opportunity to continue putting relationships at the center of her work.“What stood out to me about Primis was the shared belief that this business is about people first,” Brewer said. “Buying a home is a big decision, and I want my clients to feel informed, supported, and confident throughout the process. I’m excited to join a team that values people and gives me the opportunity to continue serving my community in a meaningful way.”Chris Blevins, national sales director at Primis Mortgage, shared that Brewer’s combination of industry experience and personalized service will make her a strong addition to the team.“Chloe understands how to meet people where they are and help them navigate their options with confidence,” Blevins said. “She brings experience, creativity, and a real passion for serving others, and we’re excited to have her representing Primis.”With Brewer joining the team, Primis Mortgage looks forward to supporting her as she continues serving homebuyers and building lasting relationships throughout her community. Read Article