text: Today’s mortgage market has become tainted with genetically modified terms (GMT) similar to GMO food. Food additives that destroy the human body are no different than unnecessarily added mortgage fees which destroy the integrity of the loan. Traditional Mortgage companies operate with impunity, often times needlessly printing millions of pages per year with no regard towards the environmental impact and potential destruction the company brings to mother Earth. According to some estimates: an average mortgage creates 2000 lbs per year of C02e. Prime 1 Bancorp, is committed to making that 0 lbs per year per loan by 2040.
  When you get an Organic Mortgage you are getting a Non GMT, without any Added fees. Just as important, you are minimizing your carbon foot print on Earth by working with a company which is committed to a process that is carbon neutral or better. The financial services sector is critical to achieving a net-zero carbon future. Your decisions on who to work with will have a lasting impact on the future of this world. We invite you to help us build a better tomorrow by making sound decisions today.
  Just as we need to keep a sound and healthy body we need to make sure we are making sound and healthy decisions regarding such a large investment as a mortgage. We also need to make sure we are making decisions that give mother Earth the best chance for success. Why would you close your mortgage with a company that has no regard for the future of our planet?... When you have options to work with one that will consider the future of this planet we all Co exist on.
  What is an Organic Mortgage? An Organic Mortgage is a mortgage that has No Added fees. Just as important, it is a mortgage with a company that commits to reducing the carbon footprint within the company’s business process to 0.
  Total Fees before discount points, appraisal, and title. $1965-$15,230
  Environmental impact Carbon Potential per loan: 2000+ Lbs CO2e per year
  Total Fees before discount points, appraisal, title, Tax Serv & Flood Cert. $0
  Environmental impact Carbon Goal per loan: 0 Lbs CO2e per year
  Now that’s an Organic Mortgage!
  The only fees you will pay with an Organic mortgage are Appraisal Fee paid directly to the Appraisal Company, the Title and Recording fees payable to the Title Company and County and the Rate Discount Fee for the Interest Rate, Tax Service Fee and Flood Cert to the Lender, plus any applicable local, state and federal taxes or charges. Escrows can be financed in or paid in full at closing.
  Beyond mortgages we always need to consider the environment and the planet we leave behind for future generations. This is why an Organic mortgage had to be a carbon neutral mortgage outside of having no Added fees. Our business process insures that we are offsetting the energy used in the mortgage process with a carbon cleaning environmental benefit to Earth. Being paperless insures we are not contributing to the destruction of our rainforests and natural carbon cleaning inhabitants. Prime 1 Bancorp, LTD is a leader in leveraging technology and energy efficient systems to minimize our footprint on this planet. Prime 1 Bancorp, plants a pine tree right here in the heartland of the United States for every closed Organic mortgage loan. This is our way of showing our commitment thru action and beyond words. We ask that you challenge yourself and your prospective lender to hold to the same standards which will strengthen our long term goal of leaving this place better than when we came here.
  Call us today to ditch that Traditional GMT and added fee infested mortgage for a clean natural No Added Fee “Organic Mortgage” offered exclusively nationwide by Prime 1 Bancorp, LTD or a licensed affiliate.
  PRIME 1 BANCORP, LTD DBA ORGANIC MORTGAGE
  2720 S. River Rd. Suite 50
  Des Plaines, IL 60018
  888-205-3737
  847-626-9672
  NMLS: 1434638
  View All our licensing info at:
  https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1434638
  Quick Links
  Licensing Privacy Policy Accessibility Statement
  Disclaimer:
  Prime 1 Bancorp, Ltd is not affiliated with any government organization or bank nor do we act on behalf of the FHA or VA. This material is not from HUD or FHA and has not been approved by HUD or a government agency. We are not a Federally chartered or State Chartered Bank. We are an we are an Illinois Residential Mortgage Licensee by the Office of Banks and Real Estate Lic #MB.6761138, a California CFL Licensed Mortgage Brokerage by Department of Business Oversights Lic #60DB055973, a Colorado Registered Mortgage Brokerage by Division of Real Estate, a Florida Residential Mortgage Brokerage Licensed by the Office of Financial Regulation Lic #MBR1930 dba Prime 1 Mortgage Inc, a Kentucky Mortgage Loan Broker Licensed by the Office of Financial Institutions Lic #MB729362, a Tennessee Licensed Mortgage Broker by the Department of Financial Institutions Lic #218020, a Texas SML Licensed Mortgage Brokerage by the Texas Department of Savings and Mortgage Lending, and a Wisconsin Licensed Mortgage broker by the Department of Financial Institutions Lic #1434638BR Prime 1 Bancorp, LTD Corporate Office is located at 2720 S. River Rd Suite 50, Des Plaines, IL 60018 our Toll Free Number is 888-205-3737. NMLS: 1434638
  Loan product availability is subject to qualification of the borrower and loan approval after full review of the file. Not every applicant qualifies or is eligible for every loan program. Some loan products may not be available in all states. Loan approval, note rate and annual percentage rate are dependent on factors including, but not limited to, credit, collateral, income, assets and overall financial history. Not all applicants will be approved for a loan. All loan programs, terms and annual interest rates are subject to change without notice. NMLS: 1434638
  Figure: 7 TAC §80.200(b)
  "CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
  THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
  STATE OF ILLINOIS
  COMMUNITY REINVESTMENT NOTICE
  The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.”
  Copyright © PRIME 1 BANCORP, LTD DBA ORGANIC MORTGAGE, Etrafficers, Inc and its licensors. All rights reserved.