Prosperity Perks
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Save $750 on Closing Costs
* Borrowers are eligible for a lender credit toward closing costs on the Closing Disclosure on a new purchase or refinance, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval and closing with Prosperity Home Mortgage. LLC. Loan must close within 60 days from the date of loan application. Lender credit may not exceed $750 or a borrower’s out of pocket closing costs. This form must be presented at time of application and all eligibility requirements met no later than 2 days prior to the New Loan closing date. Only one lender credit permitted per New Loan. This lender credit is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before 06/30/2023.
Contact Prosperity Perks today and let’s begin the conversation regarding funding your new loan.
With over 20 years of mortgage and origination business, I provide the expertise necessary to guide my clients and help them make an informed decision on selecting the loan and program that best suits their needs and goals. Over 17 years of my mortgage experience has been supporting relocating transferees and working with the different nuances of their relocation policy. I am dedicated to developing long term relationships with my clients and referral partners by demonstrating my integrity and commitment to always providing supreme service. I work to ensure a smooth and hassle-free process on every loan which is reflected in my long record of satisfied customers.
I love helping people achieve homeownership and greater financial stability for their families. I strive to make challenging situations work and always look for ways to keep the process simple to improve the mortgage experience for each customer.
I am available to help a customer day or night and during the weekend! I am currently licensed in 47 states and working on 2 additional licenses!
Ohio RM. 804424.000
Every one of our Mortgage Consultants can walk you through our products in detail – probably more detail than you want, in fact. So they definitely know their stuff.
More importantly, they want to know about you: What's your goal?About
I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
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