What does Primerica do?

Primerica's core operations focus on the distribution of term life insurance, which is underwritten by the Company (Primerica Life Insurance Company); mutual funds and annuities through PFS Investments, a Securities and Exchange Commission-registered broker-dealer investment adviser affiliate; as well as other financial products, which are distributed primarily on behalf of third parties. Our product and service offerings are generally intended for middle-income consumers with household incomes of between $30,000 and $100,000 (both USD) per year.

What kind of a company is Primerica?

Primerica (NYSE: PRI) is the largest independent financial services marketing organization in North America, serving middle-income households in the U.S., Canada and the territories of Puerto Rico and Guam. Our International Headquarters is located in Duluth, GA. Our distribution model uniquely positions us to reach underserved middle-income consumers in a cost-effective manner and has proven itself in both favorable and challenging economic environments. As of 2018, Primerica reported over 130,000 life insurance licensed independent representatives, including over 25,000 additionally-licensed securities representatives.

Is Primerica a reputable company?

A.L. Williams & Associates (A.L. Williams), the precursor to Primerica, was founded on February 10, 1977, by Arthur L. Williams, Jr., his wife, Angela, and 85 other colleagues. The new company pioneered the concept of "Buy Term (Life Insurance) and Invest the Difference." This core philosophy illustrated the idea that its mostly middle-income client base could purchase sufficient protection with term life insurance and also systematically save for the future in a separate investment vehicle such as mutual fund Individual Retirement Accounts (IRAs). Through a series of acquisitions and mergers, A.L. Williams began operating as Primerica Financial Services in 1991, its name changing once again upon the company's Initial Public Offering (IPO), on April 1, 2010, to Primerica, Inc.

Primerica Mortgage, LLC

Why should I choose Primerica Mortgage?

Primerica Mortgage, LLC ("Primerica Mortgage"), helps families and individuals better understand their financial situation, take control of their debt, and realize their financial goals.

Our relationships with our clients go far beyond providing a smooth mortgage transaction. We take an educational approach to help you understand and reach your financial goals. Whether you are searching for your very first home or desire to consolidate debt using the equity in your home, we'll be there to guide you every step of the way.

A Mortgage Loan Originator ("MLO") licensed Primerica Mortgage representative is ready to help you find the right mortgage solution for your unique needs.

*Primerica Mortgage, LLC ("Primerica Mortgage"), NMLS ID # 1723477 is a state licensed Mortgage Broker, with its headquarters located in Duluth, Georgia.

Are you ready to talk about buying a home?

Whether you are a first-time home buyer or a seasoned pro, finding your perfect home is an exciting journey, and we're here to guide you every step of the way. As a trusted partner in your home-buying adventure, we understand that securing a mortgage is a significant decision. That's why we're committed to simplifying the process, providing expert advice, and helping you turn the key to your new home with confidence.

Take the first step with mortgage pre-qualification or pre-approval.

Partnering with an MLO-licensed Primerica Mortgage representative is a smart idea to compete in the current housing market. Your dedicated representative will help you design a financial strategy that fits your needs and guide you through the pre-qualification process with the lender to estimate how much you can afford to borrow for a new home.

When you're ready to start searching for your new home, your Primerica Mortgage representative will assist you in preparing for the pre-approval process with the lender. This critical step involves a deep review of your finances by the lender and determines how much money you can borrow for a new home. Getting pre-approved by the lender will help you to address any credit issues early on so that you can focus on homes that fit your budget.

Refinance Your Home

Refinancing your mortgage could save you money and help you reach your financial goals.

Looking for a lower interest rate, more affordable monthly payment, or to shorten your existing mortgage loan term? Refinancing your existing mortgage loan might be a good solution for you.*

If you need money for expenses, like medical bills or college, or want to know if you could lower your interest rate, monthly payment, or shorten your expected repayment terms on your debts, looking into a cash-out refinance may be a good option. A cash-out refinance allows you to access cash from the equity in your home and wrap that into one new first mortgage with one payment and fixed term.

*While refinancing your existing loan may reduce your monthly payment, your total finance charges may be higher over the life of the loan.

Primerica Mortgage partners with Rocket Mortgage®.

In partnership with one of the nation's top mortgage lenders*, Rocket Mortgage®, Primerica Mortgage, LLC offers a comprehensive shelf of competitive mortgage products, fast turn times, and easy-to-use technology through Rocket ProSM TPO.

*Based on Rocket Mortgage, LLC data in comparison to public data records.

Home Purchase and Refinance Mortgage Loan Products

Conventional
FHA
Jumbo
VA
YOURgage® (Loan terms from 8 to 30 years)¹

Working with us gives our clients access to wholesale rates, Rocket Mortgage Credit Upgrade services, a dedicated Rocket Mortgage underwriting team and up to 15 days of rate lock extensions to protect your rate at no additional cost to you.

Contact an MLO-licensed Primerica Mortgage representative today to start the pre-qualification or pre-approval process with the lender.

*Terms and Conditions apply. Contact your MLO-licensed Primerica Mortgage representative for details.

Home Equity Loan | Home Equity Line of Credit (HELOC)

Use your home's equity to get the cash you need.

Have goals like consolidating debt, or paying for college or home improvements? In partnership with leading wholesale lenders like Spring EQ™ and Rocket Pro^SM TPO, we can help you access the cash in your home's equity without refinancing your first mortgage. Connect with an MLO-licensed Primerica Mortgage representative to find out how much equity you have in your home and if a Home Equity Loan or Line of Credit is right for you.

Home Equity Loan – Get the cash you need without giving up a low interest rate on your existing mortgage.
Home Equity Line of Credit (HELOC) – A fast, flexible financing option to access your home's equity, up to your approved credit line.

Even if a Home Equity Loan or Line of Credit isn't right for you, we have other options that could be a better fit. Connect with an MLO-licensed Primerica Mortgage representative today.

Primerica Mortgage MLO-licensed representatives are here for you.

Mortgages are not one-size-fits-all. While other mortgage brokers are transactional, we look at your full financial picture, offering a complimentary financial review to help you understand where you are currently and your options to reach your financial goals. As a result, we are better prepared to offer mortgage solutions tailored to your needs.

To learn more about our mortgage products or get started in your home-buying journey, contact an MLO-licensed Primerica Mortgage representative today.

Primerica Mortgage, LLC, a subsidiary of Primerica, Inc., is a 2023 Top 20 Mortgage Broker with Rocket Mortgage®.

1 Not available on FHA, VA or adjustable rate mortgages. Available for fixed rate conventional products only.

PRIMERICA and the Primerica Logo are trademarks of Primerica, Inc., registered in the U.S. and Canada. All other trademarks and service marks appearing herein are the property of their respective owners. All rights reserved.

About Primerica, Inc. Primerica, Inc. is a public company listed on the New York Stock Exchange (PRI). Primerica, Inc. is a leading provider of financial products to middle-income households in the United States and Canada through licensed sales representatives. Primerica, Inc. conducts its core business activities through companies in the United States and Canada that are direct or indirect wholly owned subsidiaries of Primerica, Inc.

Primerica Mortgage, LLC, NMLS ID # 1723477 (https://nmlsconsumeraccess.org). EQUAL HOUSING OPPORTUNITY. Primerica Mortgage, LLC is a state licensed Mortgage Broker, with its headquarters office located at 1 Primerica Parkway, Duluth, GA 30099-0001. Phone Number: 1-855-357-1054. Mortgage products are offered through a contractual agreement between Primerica Mortgage, LLC and a third-party lender. This is not a commitment to lend or extend credit. All loans, credit, and collateral are subject to underwriting and approval by the lender. Terms, rates, data, programs, information, and conditions are subject to change without notice. Not all loan products are available in all states. Specific program restrictions may apply so please consult your Mortgage Loan Originator for complete details. While refinancing your existing loan may reduce your monthly payment, your total finance charges may be higher over the life of the loan. Primerica Mortgage, LLC is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. For additional disclosures and a complete list of states where residential mortgage loans are offered, please visit https://www.primerica.com/public/primerica_mortgage_disclosures.html.

This is not a commitment to lend or extend credit. All loans, credit, and collateral are subject to underwriting and approval by the lender. Terms, rates, data, programs, information, and conditions are subject to change without notice. Not all loan products are available in all states. Specific program restrictions may apply so please consult your Mortgage Loan Originator for complete details. While refinancing your existing loan may reduce your monthly payment, your total finance charges may be higher over the life of the loan. Primerica Mortgage, LLC is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. For additional disclosures and a complete list of states where residential mortgage loans are offered, please visit https://www.primerica.com/public/primerica_mortgage_disclosures.html.

Rocket Mortgage, LLC; NMLS #3030; www.NMLSConsumerAccess.org. Equal Housing Lender. Licensed in 50 states. For additional information please visit RocketMortgage.com.

Spring EQ, LLC, NMLS # 1464945 (https://nmlsconsumeraccess.org). Equal Housing Lender. Second mortgage products are only available in states where both Primerica Mortgage, LLC and Spring EQ, LLC are l icensed to offer home equity mortgage loans. Subject to availability, conditions may apply.