Prosperity Home Mortgage

I'm House Shopping

Shop with confidence, get pre-approved before looking at homes. It's simple.

Start my approval

I'm Ready to Buy

It's never been easier to apply online and tailor a mortgage to your needs.

Customize my Loan

Tap Into My Equity

YOUR equity is YOUR money - take control with your home renovations or settling high interest debts.

Cash Out Options

Experience Homeownership

Homeownership is a transformative step. It offers the freedom to shape your living space, stability for your family, and is a major investment in your future.

It's more than just a financial decision; it's about improving your quality of life.

We make homeownership more accessible by:

Providing competitive mortgage rates to enhance your purchasing power

Offering exclusive products that offer a wide range of benefits to our valued clients.

Being connected with your community to stay informed with local markets.

Home Purchase >>

Unlock the Benefits of Refinancing

Refinancing your mortgage is a powerful financial tool. It offers opportunities for lower interest rates, reduced loan terms, and access to your home's equity.*

Refinancing your mortgage opens the door to a wealth of new financial possibilities.*

Our clients love us for:

Our fast and simple process – with our XLR8 program, most loans close in around 2 weeks.

Authenticity – working with us isn't just about using state-of-the-art technology, it's about working with people who take pride in helping every client.

Consistent Communication – we understand your mortgage matters. That's why we're dedicated to keeping you informed at every step.

<< Explore Options

Maximize Your Home's Value

Tapping into your home's equity can be just the thing to fund renovations or other major expenses, consolidate high-interest debt, or invest in your future.

Leveraging your home equity is about unleashing the potential of an asset you already own.

Here's why now may be the right time:

Home values are at all-time highs, this likely means leveraging your existing equity makes more sense than moving.

Mortgage rates are significantly lower than other rates. Whether you're paying credit cards or other loans, your home equity can help you consolidate your monthly expenses.

We track the market for you! Our clients can take advantage of today's opportunities with the promise of tomorrow's potential savings. If the interest rates move in your favor, we'll let you know.

Research More >>

What makes Prosperity Home Mortgage the perfect partner for my home loan journey?

Choosing Prosperity Home Mortgage means choosing a team of dedicated experts who are passionate about helping you achieve your homeownership dreams. With our competitive interest rates, a wide range of loan programs, and friendly loan officers by your side, we'll make the mortgage process smooth sailing and ensure you feel supported every step of the way.

How do I kickstart the mortgage pre-approval process?

Ready to take the first exciting step toward your dream home? Getting pre-approved can be a breeze! Simply fill out our secure online pre-approval application or reach out to one of our awesome loan officers directly. We'll review your information, crunch the numbers, and provide you with a pre-approval letter that will have sellers swooning over your serious buyer status.

Am I eligible for a mortgage? What's the secret handshake?

You don't need a secret handshake, just a few key factors to consider. We'll take a look at your credit score, income, employment history, debt-to-income ratio, and the amount of moolah you have for a down payment. Our friendly loan officers will guide you through the process, demystify any requirements, and find the best options tailored just for you.

Can I give my current mortgage a makeover with Prosperity Home Mortgage?

Absolutely! Think of us as your mortgage fairy godmothers. Whether you want to lower your payments, speed up your loan term, transform an adjustable-rate loan into a cozy fixed-rate one, or tap into your home's hidden treasures (aka equity), our refinancing options can work their magic and help you achieve your financial goals.

Can I handle my mortgage like a pro online?

You bet! Say hello to our secure online portal, your personal command center for all things mortgage-related. With just a few clicks, you can manage your mortgage account, make payments, view statements, and stay on top of your loan details. It's like having a mortgage genie in a digital lamp, granting you convenience and control from the comfort of your own home.

How can I reach out to the all-star team at Prosperity Home Mortgage?

We love hearing from you! Give us a call, send us an email, or drop us a message through the contact form on our website. Our friendly team of loan officers is here to chat, answer your questions, and provide guidance whenever you need it. We're just a virtual high-five away!

195 K+

Happy Homeowners

100 K+

Five Star Reviews

62 Billion+

Funding Volume

https://phmloans.biz/hubfs/Market%20Update%20-%20October%2011.png

Prosperity is within reach.