As an independent broker, Lawrence Karmo shops your loan across multiple lenders to find the rate and structure that actually fits — not just whatever one bank has on the shelf that day. Straightforward guidance, fast pre-approvals, and a broker who picks up the phone.
As an independent broker, Lawrence isn't limited to one lender's menu — he structures the deal around your situation, not the other way around.
Low down payment, flexible credit options.
Zero-down for veterans and active service members.
Stable, long-term financing for primary homes.
Financing above conforming loan limits.
Payments that never change for the life of the loan.
Lower initial rate that shifts with market conditions.
Pay interest only for a set period upfront.
Lower your rate, your payment, or cash out equity.
No surprises, no runaround — just a straightforward path to closing.
Complete our secure online application in about 10 minutes. No paperwork required upfront — just the basics to get started.
Lawrence reviews your application and shops it across our lender network to find the right fit, often within 24 hours.
Once you find the right property, we lock your rate and move straight into underwriting. No surprises, no delays.
We coordinate every detail through to closing day. Then the keys are yours.
Lawrence founded Prime Home Lending on a simple idea: borrowers do better when their broker works for them, not for a single bank. As an independent mortgage broker, he isn't boxed into one lender's products or pricing — he shops your loan across a network of lenders to find the structure and rate that actually fits your situation.
Whether you're a first-time buyer trying to make sense of the process, refinancing to get out from under a high rate, or exploring options a previous lender couldn't offer — Lawrence and the Prime Home Lending team will walk you through it in plain language, from application to closing day.
Prime Home Lending is headquartered in Southfield, serving borrowers across Michigan. When you work with Lawrence, you're working directly with the owner — not getting routed through a call center.
Get a quick estimate before you apply. Reach out for a precise quote tailored to your situation.
For illustrative purposes only. Results are not a loan offer or commitment to lend. Actual rates and payments depend on creditworthiness, loan type, and market conditions. Contact Lawrence Karmo (NMLS# 978733) for a personalized quote.
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Honest answers, multiple lenders to choose from, and a real human on the other end of the phone.