The summer of 2017 is ending and the smell of pumpkin spice is in the air! Although many will miss the sandy toes and ocean waves, here at PRMI we are ready for the crisp autumn season to start…all because of these easy steps that help us add a seasonal touch to home sweet home!

  1. Smells like Pumpkin Pie & Freshly Picked Apples!

There’s nothing like a freshly baked pumpkin or apple pie to get us feeling fallishly-festive – but who has the time for that every day? To set the mood in your home, pick up a few of your favorite autumn scented candles so that you and your guests are feeling warm & cozy with just the strike of a match! Check out some of our favorite affordable scents available at

  1. “Leaf” the accessorizing to me

Updating an entire house for each season can be costly, so picking up a few neutral accent pieces to set the tone for the season is key in lasting you from the first day of fall until after Thanksgiving. Stay away from the holiday specific decorations like Jack-o-lantern patterns & Turkey statues and stick to basic fall prints such as variations of leaves, pumpkins (not just orange ones either! Check out our favorites here:) plaid prints, foliage, and gourds. Look for accent pillows, blankets & throws, plates, and vases for inspiration and an easy fall touch to your every day look at home.

  1. Fall Flowers

Spring isn’t the only time for flowers! Try adding a pot of mums to your front porch, and have some fun arranging gourds, pumpkins, hay stacks or corn stalks around them. Top it off with your favorite wreath (trying adding a touch of personalization – see how easy it can be done at home here🙂 The floral theme can continue inside your home, using  fall-colored flowers to arrange a centerpiece for your dining room table. Try adding a mix of pine cones, acorns, and other small gourds to the arrangement for extra fall flair!

  1. Basics…that never go out of style!

Looking for some basic additions to add to your fall holiday collection that will never go out of style? Try incorporating plaid prints in your blankets, hand towels, tablecloths, or table runners. Another fall classic? Purchase a roll of burlap  – a large bow on your favorite vase or wreath will add a touch of character to your fall staple.

  1. Don’t be scared of DIY

Yes, we’ve all been there …attempting that Pinterest craft that just doesn’t come out the way it looks on your board. But the beauty of fall offers so many colors, textures, and changes that offer a little leeway when it comes to craft imperfections.  Use this season to add some vintage flair to that basic mum planter, or try spray painting that old orange pumpkin gold…you will be surprised at the end result and just how beautifully it ties your fall theme together! Try this fun mason jar update for a foolproof fall mason jar update!

Enjoy the season! – Your friends at Primary Residential Mortgage, RI & MA

Cranston, RI – April 5, 2017 – Kenneth O’Brien, a Primary Residential Mortgage, Inc. (PRMI) loan officer has received the prestigious recognition as a Top Loan Officer in the country by Mortgage Executive Magazine, a major publication in the mortgage lending industry.

Mortgage Executive Magazine compiled the most comprehensive list of the nation’s top 1% of mortgage originators. The minimum eligibility criteria were a total personal production of at least $30 million in home loans for 2016.

CEO and President of PRMI, David Zitting said, “Kenneth has been an incredible asset to PRMI and our team. With his help we assisted nearly 29,000 families in the nation with their dreams of homeownership just last year.”

O’Brien has 17 years of experience in the mortgage industry and specializes mainly in refinance and purchase home loans. He has helped over 3,000 community members with their homeownership needs.

“Throughout my years of experience in the mortgage industry, I have worn many hats, from processing to management, helping me to overcome any obstacles in front of me.  I enjoy this business because I like to help people achieve the dream of homeownership or save them money by refinancing their home. I attribute my achievements to my family; my three beautiful children and my wife motivate my continued success.”

To contact Kenneth O’Brien and learn more about PRMI or the mortgage industry, please visit or call 401-741-9765.

Congratulations Ken!

realtor Buying and funding a home is a big step. Before you begin the home buying process, it’s important to take a few minutes to understand how the process works. We’ve developed a list of the six key components to help you alleviate stress and stay on top of your home purchase.

  1. Get Pre-qualified! 

It’s exciting to start shopping for a house, but before you start the hunt make sure you team up with your Loan Originator to know what you can afford.

  1. Find a Real Estate Agent

Shopping for a home can be a joyful experience, but with so many questions and obstacles that can arise throughout the process, it’s important to have a professional to rely on. If you are looking for a referral, your Loan Originator will happily introduce you to one of his or her trusted real estate partners!

  1. Start Shopping

When buying a home, it helps to know what you are looking for. Before you start, make a list of your key features, then review it with your Realtor. Be sure to consider home price, size, features, location and style.

  1. Make an Offer

While your Realtor is your key partner at this step, make sure you review your offer with your Loan Originator before submitting it and accepting an offer.

  1. Get Inspected

Hire a home inspector to complete a thorough review of the property before signing the purchase agreement. Make sure you send this to your Loan Originator before signing!

  1. Finally – Sign on the dotted line!

It’s time to sign the purchase and sales agreements. Congratulations and welcome to your new home! For more information about the mortgage and home buying process, check out our What To Expect page, or call to speak with one of our experienced loan officers today! 401-943-9200



PRMI NMLS 3094. Rhode Island Department of Business Regulation Division of Banking  Licensed as PRMI, Inc, Lender 200417155LL, Broker 20041716LB. Division of Banks  MC3094. Connecticut Department of Banking 8750. New Jersey Department of Banking and Insurance. Virginia Bureau of Financial Institutions: MC-2248 Broker MC-2248 NMLS 3094. Department of Labor, Licensing, and Regulation Commissioner of Financial Regulation 5511. Florida Office of Financial Regulation MLD646. Pennsylvania Department of Banking  23206. Georgia Department of Banking and Finance 6521. Department of Financial Institutions CL-3094. Branch NMLS 305552.

DISCLAIMER: Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Education and Marketing Workshops

Agent Education & Workshops

Marketing Workshops

The classes below are non-accredited hands-on workshops

Facebook First-Timer

This is the perfect workshop for anyone who does not yet have a Facebook profile or business page. In this workshop, you will build a personal Facebook profile and professional business page, learn how Facebook can help you as a agent & learn how navigate the site and utilize its tools.

Perfecting Facebook: Tips & Ads

This workshop is designed for those who understand the basics and need to build a business page or already have one and are not sure what to do next. We’ll show you how to create Real Estate specific tabs, what stories to share and what types of things to post on your page.

Twitter and LinkedIn

In our Twitter and LinkedIn workshop, you will create and set up an account, follow others, and learn about the benefits of using Twitter and LinkedIn as a Realtor. Think you don’t have time to have a Twitter or update LinkedIn? You’ll learn how to link your accounts together so you “look” like you’re everywhere online without the hassle of having to update each account.

Pinterest & Instagram for Agents

In this workshop you will create a Pinterest and Instagram account and learn how to use these social sites to engage while marketing yourself and your listings. You will learn how to “pin” listings, get ideas for content, gain followers, use hashtags and fully utilize all of the benefits of these social mediums

Blogging, Vlogging & Email Marketing

It has been said that if you’re not already blogging, you’re already a step behind your biggest competitor. This workshop will help you rise to the top and show you how to blog or utilize video to get your message out. It will also cover where to blog and what to blog about, and how to incorporate your content into your email marketing.

Rhode Island Real Estate
Continuing Education Courses

The courses below are each three credit courses

Social Media and the RE Professional
Mortgage Financing and the RE Professional
Landlord and Tenant Laws
Law of Contracts
Closing and Settlement

To request an accredited course or workshop for your office, email or call 401.490.7112

Don’t Apply for New Credit/ Make Big Purchases

We know you’re excited about getting into your new home. But don’t jump the gun by going out to buy all new furniture or appliances. Applying for new credit, co-signing for credit, or opening up new credit cards could potentially adversely affect your rate or get your loan denied. Making this type of change could dramatically impact your debt to income ratio if you apply and/or use new credit. Your Loan Originator will be notified of any new credit or applications, which will have to be explained and documented and may delay the process of your loan application.

Don’t Close Out Credit

Closing credit or banking accounts will ­­­­­­­­­­­negatively impact credit scores and should be avoided during the mortgage application process.

Don’t Move Your Money Around/ Make Large Deposits

Though you are not technically opening or closing accounts, moving large sums of money around within banking accounts or making cash deposits, large deposits or withdrawals can raise a red flag in the process. You must work with your Loan Originator to document any and all movement or large deposits.

Don’t Quit or Switch Your Job

This can seem like a simple “don’t” on the list, but in addition to credit, your savings, investments and income are also very important factors for a mortgage approval. Your lender will verify employment up until the day of the closing.

As always, your Licensed Loan Originator is there to help you have a successful and seamless close on your mortgage. Be sure to discuss your unique situation with your lender.

  1. Only Posting Your Listings – It is important to post content on your social media sites other than your listings! Social media is a great way to show off your personality as well as your business. Post local news, real estate related comics, anything your clients might find interesting!
  2. Confusing Professional with Personal – If you are using social media for business purposes, you should keep personal content to a minimum. While it would be appropriate to post pictures of your family’s vacation to Florida on your Facebook profile, it would be unprofessional to post them to your business page!
  3. Duplicating Your Posts on All of Your Social Media Pages– Posting the same content to every one of your pages at the same time makes you look like a robot! You will not come off as sincere. Try to cater you content to your specific audiences on each page.
  4. Not Displaying the Correct Contact Information– If you are on the road more often then you are in your office, do not list you office number as your contact number. Do not give out your personal email address if you do not check it frequently. Remember, the purpose of having social media site as a Realtor is to generate business!
  5. Disappearing from the Social Network– Social media is updated 24/7. It is easy to disappear from your audience if you do not post content on a regular basis. Try to post at least 3-4 times a week.

Don’t make these mistakes and you will be on the road to successful social media marketing!

On Saturday, April 18, Primary Residential Mortgage, Inc. hosted a comedy show fundraiser, bringing in $19,000 in donations for a local veteran organization.

More than 250 veterans and Real Estate professionals attended the Funny 4 Funds comedy show held at the West Warwick Elks Lodge on Saturday evening. The event provided the crowd with a night of laughs while raising money with raffle and auction prizes donated by 200 local and New England based businesses. Primary Residential Mortgage was joined by several additional event sponsors from Rhode Island and Massachusetts including Lepizzera & Laprocina Title and Escrow, DiPrete Law Offices, Federated RI Sportsmen’s Clubs Inc., Equity Title, RE/MAX, Cranston Fish and Game Association, Kelly Lewis Realty, Richard Palumbo Law, Linear Title, Sammartino & Berg Law.


“I don’t think anyone sponsored this event hoping to get business- I know I didn’t,” said sponsor Paul Laprocina who not only provided a financial sponsorship, but also donated two shark fishing charters that brought in $1,600 as an auction item. “The event is all about our veterans and what we can do to help them, because they’ve all done so much for us. That in mind, the auction winner will receive one shark fishing charter for himself and the second shark charter will be for the winner to go out fishing with a boat of veterans so they can see what a difference [Veteran Angler Charters] makes for our veterans.”

Veteran Angler Charters , a 501c3 non profit, was founded by Kathy Granfield in Connecticut in 2009 and has since expanded into Rhode Island (Captain Randell Bagwell, River Rebel Charters) and Massachusetts (Capt. Mark Pettit, Fire Escape Charters), serving nearly 200 Veterans per year. VA Charters was formed for the purpose of providing therapeutic and recreational fishing excursions to injured and recovering veterans of all branches of the armed forces. All fishing trips are conducted at no cost to the veterans.

“This is the most money that has ever been raised for us and we are absolutely thrilled,” said Granfield. “With just what was raised during this one event, we will be able to take hundreds of veterans fishing this season. Words cannot describe what this means.


According to Granfield, there are several organizations that offer opportunities for outdoor therapeutic recreation but there are none that regularly take veterans out in small groups on private charter boats.   The small group experience provides a unique opportunity for the veterans to relax, reconnect with friends and family, fish, and meet other veterans who truly understand their service experience.

“Everyone had a great time and we were astonished to see how much was raised when the check was presented to Kathy at the end of the night,” said Cosmo Laurelli, Branch Manager for Primary Residential Mortgage, Inc. “It is so rewarding to know that we could do our part in helping our veterans.”

In April, Senior Loan Officers Kyle Travers, Mary O’Donnell, and Ken Cesaro of Primary Residential Mortgage in Rhode Island were named 5 Star Professionals of 2015.

five-star-professionalThe mortgage professional award, showcased in Rhode Island Monthly, is given to Loan Officers who have been nominated and selected  for providing superior service and “professional excellence” in the industry. The designation of a “5 Star Professional” assists consumers in selecting a service professional that other consumers have indicated provides exceptional client satisfaction and service.


Kyle Travers, Sr. Loan Officer
NMLS 23208

Mary O’Donnell, Sr. Loan Officer

Ken Cesaro, Sr. Loan Officer


FHA Loans

For all purchase and refinance FHA loans with a term greater than 15 years, approved borrowers will see a .5% MIP reduction. In plain terms, the reduction in MIP is similar to lowering your mortgage interest rate by half of a percent.

Current FHA loan holders may benefit by considering a streamline refinance to gain monthly and annual savings with the reduced MIP, while rates remain at an all time low. With a streamline refinance, borrowers are not required to appraise their home or verify income.

How You Can Save With a Streamline Refinance today

Below is an example of the savings that an average current FHA loan holder may expect to see with a streamline refinance and an MIP reduction.

Your Current FHA LoanStreamline Refinance After 1/26/15
Loan Amount$200,000$200,000
Interest Rate4.75%3.75%
Principal & Insurance$1061.55$942.44
Total Monthly Payment$1,609.97$1,407.92

Total Monthly Savings with Streamline Refinance: $202.05

5 Things to Know About the FHA Mortgage Insurance Reduction:

  • For all FHA loans the insurance premium will be reduced by 50 basis points (0.5%) on both purchase and refinance transactions.
  • Applies to all purchase or refinance FHA loans with terms greater than 15 years.
  • There is no change in premium for loans with a term of 15 years or less. The reduction affects all loan types with the exception of FHA streamline refinances made before May 31, 2009. There is no change to the 1.75% upfront mortgage insurance premium.
  • With a streamline refinance, there is no appraisal or income verification required.

Primary Residential Mortgage, Inc., one of the premier mortgage lenders in the country, announces the grand opening of a new branch in Newport, Rhode Island. The Grand Opening and ribbon cutting ceremony will be held in partnership with the Newport Chamber of Commerce, on Wednesday, October 22, from 4-6pm. Business professionals and the public are welcome to attend (RSVP required).

Branch Manager Richard Brandariz is a born and raised native of Aquidneck Island, and is actively involved in the community of Portsmouth. Brandariz currently sits on the Portsmouth Pop Warner Football Board, as well as the Portsmouth Youth Basketball Board. He has also coached Pop Warner football, and Portsmouth basketball and baseball for the last five years. Rich also finds time to volunteer and be a part of the Portsmouth Rotary Club and Newport’s “Rebuilding Together” project which annually rehabilitates a home for community members who do not have the funds to upkeep their residence. Finally, Rich is a member of the United Congregational Church in Middletown, RI.

Utilizing in-house processing and underwriting, Brandariz and his team with Primary Residential Mortgage will assist home buyers with the purchase or refinance of a home using programs such as the new first time buyer tax credit, FHA, VA, USDA, 203k or conventional mortgages.

Anyone interested in attending Grand Opening for the new office of Primary Residential Mortgage on October 22nd should RSVP to Sara Bagwell at or call 401-490-7112 for more information.

About Primary Residential Mortgage, Inc.: Founded in 2001, Primary Residential Mortgage, Inc. is the premier lender in the mortgage industry. With over 275 branches across the US and with unsurpassed service and dedication to their borrowers, the company has been able to steadily elevate as a leader in residential mortgage lending. Rhode Island Licensed Lender, Department of Business Regulation Division of Banking, Licensed as PRMI, INC. Lender 20041715LL. Equal Opportunity Lender. Branch NMLS#1234030. PRMI NMLS# 3094.