John Thomas, First Time Home Buyer Expert (Primary Residential Mortgage Inc.) Mortgage and Lending



John Thomas
First Time Home Buyer Expert
location_on Newark, DE — Primary Residential Mortgage Inc.
NMLS 38783
Get to Know John Thomas

I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Delaware. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry,my dedicated team stands ready to assist each and every step of the way.

You only think about home financing a few times during your life ~ I think about it every single day. It's your home and your future. It's my profession and my passion. I am ready to work for your best interest.


Introduction to Primary Residential Mortgage by Branch Manager John R. Thomas 

A Certified Mortgage Planner is unlike a traditional loan officer. As a mortgage planner, my role is to help you integrate the loan that you select into your overall long and short-term financial and investment plan, to minimize taxes and interest expense and improve cash flow. My team is dedicated to delivering superior mortgage advice and world-class customer service to you. Our goal is to take such great care of you and your loan that we earn your loyal business and your referrals to family and friends. Our success was built by happy client at a time.


Introduction to Primary Residential Mortgage

Introduction to the John Thomas Team with Primary Residential Mortgage in Newark, Delaware. Delaware's Number One Mortgage Lender and Author of the Book, Your Guide to Buying Your First Home in Delaware


I am able to direct lend as well as broker loans, so will be able to find the right lender with the right product.  Being able to broker is extremely important in todays market because if you are with just a direct lender, that lender may be out of business before your loan closes, for example American Home Mortgage right here in Delaware left hundreds of people desparately searching for a loan when they closed their doors.

I am certified in FHA Loans, Reverse Mortgages, VA loans, USDA Rural Housing Program, First Time Home Buyer Programs, Construction Loans, Bankruptcy Buy-outs, Divorce settlements, and hard money lending.

Here is a recommendation from a top financial planner

"In my line of work (financial advisor) I often have the need of brining in a mortgage expert to work with my clients. I have recommended John many times, and have always been impressed with his level of expertise and have never been disappointed with his level of responsiveness to a particular client's need. Not only can he find the right product, but he will educate you on all the options and help you to understand the decision you are making." March 10, 2008

John R. Thomas

NMLS 38783

Branch Manager


248 E. Chestnut Hill Road.

Newark, DE 19713


PRMI NMLS 3094. Branch NMLS 106170. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Licensed by the Delaware State Bank Commissioner to engage in business in Delaware 5644 expires on 12/31/2017. Department of Financial Institutions Consumer Credit Division, First Lien License 11069 Secretary of State Securities Commission Second Lien License 103936. Maryland Department of Labor, Licensing and Regulation Commissioner of Financial Regulation #5511. New Jersey Department of Banking and Insurance. Pennsylvania Department of Banking 23206. Bureau of Financial Institutions: MC-2248 Broker MC-2248 NMLS # 3094 (


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Top qualities: Great Results, Personable, Expert

Douglas MacGray, J.D., C.F.P.
hired John as a Mortgage Consultant in 2,006, and hired John more than once


Top 1% of Mortgage Originators 2016 & 2017

Scotsman Guide Top FHA Loan Originators 2016 & 2017

Mortgage News Top 400 Loan Originators in the US 2016 & 2017

5 Start Mortgage Professional Winner 2011, 2012, 2013, 2014, 2015, 2016, 2017

Primary Residential Mortgage Chairman Club Orignator 2015, 2016 & 2017


Certified Renovation Loan Specialist

Certified Militray Lending Specialist

Certifed Mortgage Planner (CMP)


Jamila Smith
Every step of the way your team was informed, prompt, friendly, excellent follow up, and everyone seemed to care about the success of our loan. 5 out 5 Stars.
Robert Moran
I had a very unique home purchasing experience due to a very unreliable seller. John and his team did amazing job keeping track of all the problems and keeping everyone in the same page. Initially I had tons of questions and John's team went far and beyond my expectations to help answer all of my questions. 5 out of 5 Stars
Chad Mitchell
My clients and I had a wonderful experience with John Thomas and his staff at Primary Residential Mortgage. The mortgage process was seamless and very professional throughout. It really makes my job as a Realtor a little easier when you have the dedication of a reputable lender in your corner. My buyers couldn't be any happier with the entire process and in fact, PRMI was able to move our closing up a week earlier. Thank you again for all your hard work and getting things done in a timely fashion – I will be using your expertise again to service my buyer's loans.

As a Certified Mortgage Planner, I help people achieve their dreams and goals by assisting them in designing financial strategies that work for each client to accomplish financial freedom.