Finance Smarter.
Buy Faster.
Build Wealth Through Real Estate.
More Options. Smarter Strategy. Better Outcomes.
Prism Mortgage Loans isn’t just another mortgage company — we’re a strategic mortgage and wealth advisory firm, serving buyers, homeowners, business owners, and investors who want to leverage real estate with intention.
Unlike big banks limited to their own products, we work for you — not the lender.
As an independent mortgage broker, we shop a wide network of institutional lenders to find the right solution tailored to your goals.
Led by George Wheeler Jr. — a mortgage broker, real estate professional, and financial strategist — Prism goes beyond transactions. We help you make smarter financing decisions designed to build long-term wealth.
Why Choose Prism
Access to multiple lenders — not just one bank
More loan options and flexibility
Faster approvals and closings
Strategic, goal-driven guidance
Access Home Equity Without Refinancing
Your home isn’t just where you live-it’s one of your most powerful financial tools. At Prism, we help homeowners refinance strategically to reduce monthly payments, access cash, or restructure their loans to better align with their goals.
This Isn’t Just a Refinance-It’s a Strategy.
Consider a Home Equity Line of Credit (HELOC) to access funds to pay for tuition, home Improvements, or buy an investment property.
Consolidate debt. Build an ADU.
Eliminate PMI and lower your monthly payment with a conventional loan.
Tap into your home equity to fund investments.
Buy Investment Property Without Tax Returns
Designed for investors who want to expand their real estate investment portfolio using rental income to qualify, no personal income required.
Buy Investment Property Without Tax Returns, W-2s, or 1099s.
20% down payment.
Buy 2-10 units.
Up to 80% Loan-to-value (LTV).
Minimum FICO 620-680 (Based on lender).
Loans up to $3 million.
Cash-out available.
Buy a Home With Confidence — Not Guesswork
Whether you’re right-sizing or a First-Time Homebuyer, we structure your loan before you shop – giving you clarity, confidence, and a competitive edge in today’s market.
Benefits:
What’s Your Home Worth? Get our free Comparative Market Analysis (CMA) to determine the true value.
Don’t forget the Capital Gains Tax Exclusion. Married up to $500,000 and single up to $250,000.
Unlock built-up equity.
First-Time Homebuyers - Take advantage of downpayment assistance programs for the down payment up to 3.5%.
The Right Financing Changes Everything
From growing your portfolio to funding construction projects, our solutions are designed to help you scale smarter and move faster.
BUSINESS & COMMERCIAL
Financing That Moves Your Business Forward
From owner-occupied buildings to income-producing properties, we structure commercial loans that align with your growth strategy.
SBA & conventional options
Owner-occupied and investment properties
Flexible underwriting solutions
Access to multiple lenders
CONSTRUCTION & RENOVATION
Build, Renovate, or Flip — With the Right Capital
Whether you're building from the ground up or upgrading an existing property, we provide financing solutions tailored to your project.
Ground-up construction loans
Fix-and-flip financing
Renovation loan programs
Flexible draw structures