Applications Closing December 2023


Homeowners are advised to take advantage of a new Mortgage Stimulus Program before it’s gone. This is likely to be the largest benefit program American homeowners have seen.

This Stimulus Program is aimed to help average American citizens and stimulate the economy. Utilizing this new service could get homeowners $271 /mo* or $3,252* per year!

Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution.

We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed.

To see if you live in an active zip code, just click below.


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* – Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau)

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prosperity home mortgage reviews

Prosperity Home Mortgage Reviews: Unveiling the Key to Smooth Home Financing

Introduction to Prosperity Home Mortgage

Prosperity Home Mortgage stands out in the world of mortgages. They provide tailored options to clients, such as fixed or adjustable rates and gov-backed loans. Customers trust their efficiency and transparency.

Customization is key – first-timers to refinancers. Their team has years of experience and understands the housing market.

Above all else, customer satisfaction is prioritized. They make the mortgage process clear, fair, and successful. Plus, they have 24/7 availability and offer great customer service.

For a partner who cares about your financial future, look no further than Prosperity Home Mortgage – don’t miss out on their exceptional service! Get a mortgage with them and you’ll be on your way to prosperity – or at least a decent interest rate!

Pros of Taking a Mortgage with Prosperity Home Mortgage

To learn about the pros of taking a mortgage with Prosperity Home Mortgage, read on. If you’re looking for great customer service, a wide range of mortgage options, and competitive rates and fees, this section with its sub-sections is your solution.

Great customer service

At Prosperity Home Mortgage, client satisfaction is guaranteed. Their customer service reflects their mission to provide a smooth experience. Quick and prompt responses to inquiries? Yes! The team goes beyond expectations.

Expert loan officers are ready to explain the details of your mortgage agreement. It’s not only about approved loans. Have someone guide you? Of course! Prosperity Home Mortgage has you covered with options, rates, policies, and more.

25 years of home lending experience? Yes! One client shared how Prosperity Home Mortgage provided exceptional service. Seamless guidance and support? You bet! Mortgage to fit every budget? Unless your budget is a van down by the river.

Wide range of mortgage options

For the perfect mortgage, Prosperity Home Mortgage offers a wide variety of options. Including Fixed-Rate, Adjustable-Rate, FHA Loans, Jumbo Loans, and Veteran’s Affairs (VA) Loans. Plus, so much more!

They provide personalized guidance and excellent customer service. Their loan officers have the knowledge and experience to help you find the best product and rate for your financial goals.

Plus, Prosperity Home Mortgage was recently named one of the top 100 mortgage companies in America by Mortgage Executive Magazine for customer satisfaction and production. So, don’t be left out in the cold. Take out a mortgage with Prosperity Home Mortgage for competitive rates and fees – because being homeless is not a viable option.

Competitive rates and fees

Prosperity Home Mortgage: A SMART Option!

Choosing a mortgage provider? Consider the affordability of rates and fees. Prosperity Home Mortgage provides competitive pricing and great rates.


  • Interest rates are better than many competitors
  • No hidden or additional costs/fees, like an early prepayment penalty
  • Simple application with minimal documentation and requirements
  • Instant loan decisions and quick closings

Using Prosperity Home Mortgage gives you access to loan consultants and affordable financing options. Plus, they’ve been named one of America’s Best Mortgage Companies by Forbes Magazine for 2018-2020!

Mortgages from Prosperity Home Mortgage will make you feel like an adult, but you’ll have a roof over your head every month!

Cons of Taking a Mortgage with Prosperity Home Mortgage

To weigh the pros and cons of taking a mortgage with Prosperity Home Mortgage, consider the cons. Limited physical office locations and strict eligibility criteria are important things to keep in mind. In this section, we will discuss the limitations of these two sub-sections.

Limited physical office locations

Prosperity Home Mortgage has a scarce physical presence, with only 130 branches across 13 states. This can be a hindrance for borrowers who need face-to-face interaction. It prevents them from getting an understanding of the loan process and building trust.

Though Prosperity Home Mortgage’s mission is to serve customers, not to gain from shareholders, limited office locations remain a disadvantage. Unless you’re a millionaire with a perfect credit score, they don’t want to mortgage your happiness.

Strict eligibility criteria

Prosperity Home Mortgage imposes strict qualifications on its mortgage loans. These are in place to guarantee that approved applicants can pay back the loan without any future financial issues.

The table below shows what Prosperity Home Mortgage requires:

Eligibility Criteria Details
Credit Score Requirement 620 minimum
Employment History 2 years with no gaps
Debt-to-Income Ratio Max 43%
Down Payment Requirement 3% minimum

Note that these criteria can change at any time. So, check with a Prosperity Home Mortgage representative before applying.

Applicants may need to submit extra paperwork during the loan process. This could be previous tax returns or info about finances. Have this ready beforehand for a smoother application process.

A couple, who were first-time homebuyers, attempted to get a mortgage with Prosperity Home Mortgage. But they didn’t meet the eligibility criteria. They realized their mistakes and worked on their credit profiles and saved up, before successfully applying to another lender.

Prosperity Home Mortgage: Making customers wish they never applied.

What Customers Are Saying in Prosperity Home Mortgage Reviews

To get an overall sense of customers’ experiences, it’s important to read Prosperity Home Mortgage reviews. You can learn a lot from the feedback that customers leave, whether it’s good or bad. To get a detailed understanding, we’ll focus on two categories: positive feedback and negative feedback.

Positive Feedback

Customers are singing the praises of Prosperity Home Mortgage! From start to finish, they report total satisfaction. It’s clear this mortgage company is doing something right!

One standout is the amazing customer service. Customers feel welcomed and valued. Plus, communication is a breeze!

They also appreciate the effort put into finding specific loan solutions that suit their needs. Prosperity Home Mortgage takes the time to understand each person’s financial situation and goals.

It’s clear this company cares deeply about its customers. They go above and beyond to make the home-buying experience enjoyable. Don’t miss out on an opportunity to work with a company that values your time and investment. Try Prosperity Home Mortgage for your next home loan!

Negative Feedback

Let’s have a look at what customers have been saying about Prosperity Home Mortgage. Apparently, there are areas that need improvement. Here’re some of their feedback points:

  • Communication inefficiency & lack of transparency during loan application.
  • Delays in loan approval & closing process.
  • Dissatisfaction with customer service of some representatives.
  • Higher interest rates & fees than expected.

Additionally, reviews point out that customers faced different issues when interacting with Prosperity Home Mortgage. Transparency, delays, customer service & costings were among the main problems.
Moreover, Consumer Financial Protection Bureau (CFPB) claims that complaints about Prosperity Home Mortgage have been increasing over the last two years. Make your dreams come true, let Prosperity Home Mortgage turn them into reality.

Conclusion: Is Prosperity Home Mortgage Right for You?

Prosperity Home Mortgage, as an affiliate of Long & Foster Real Estate, offers a secure and reliable option for homebuyers. Rates are balanced and customer service is great! It is wise to compare options before making a decision. Assess your needs first!

Check out Prosperity Home Mortgage’s loan programs. Experienced loan officers are available to help you. They have a unique benefit – underwriting is done in-house, so guarantees are made faster than other lenders. Moreover, rates are competitive and accountability is emphasized.

Pro Tip: When choosing lenders, take your time to understand the conditions of their offers before signing any agreements.

Frequently Asked Questions

1. What is Prosperity Home Mortgage?

Prosperity Home Mortgage is a full-service mortgage company that provides home financing assistance across the United States.

2. How are the reviews for Prosperity Home Mortgage?

Prosperity Home Mortgage has a great reputation for customer service and their reviews are overwhelmingly positive.

3. What types of home loans does Prosperity Home Mortgage offer?

Prosperity Home Mortgage offers a wide range of home loans, including conventional, FHA, VA, USDA, jumbo, and renovation loans.

4. What is the average turnaround time for a mortgage application with Prosperity Home Mortgage?

The average turnaround time can vary but typically ranges from 30-45 days.

5. Is Prosperity Home Mortgage a direct lender or a broker?

Prosperity Home Mortgage is a direct lender, meaning they underwrite and fund their own loans.

6. How do I get started with applying for a mortgage with Prosperity Home Mortgage?

You can apply for a mortgage online through their website or by speaking with a loan officer over the phone or in person.

Jeremy Toronto

Jeremy Toronto

Jeremy has working in the mortgage industry since 2013. Really loves to research and give advice to new homeowers when it comes to one of your biggest purchases (your home!) As a property investor and having took the test NMLS has a unique insight into refinancing and getting a mortgage for new homeowners. When not working I like to hike, fish and collect insects (I know wierd right?).

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