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Prosperity News


We are pleased to announce that effective October 14, 2019, Prosperity Home Mortgage, LLC (Prosperity) has expanded its operations into California. A team of knowledgeable and experienced mortgage professionals in northern and southern California, led by Regional Mortgage Managers, Arnie Von Massenhausen, Danny Valentini and Greg Roberts, have joined Prosperity and will continue to serve real estate professionals, homebuyers and existing homeowners in California.

“We’re thrilled to have the opportunity to once again expand our footprint,” said Tim Wilson, CEO of Prosperity Home Mortgage.  “Prosperity continues to be one of the best mortgage companies in the country, and we are looking forward to demonstrating the wealth of knowledge and integrity that our team of mortgage professionals brings to every mortgage transaction—all in support of our mission to deliver an extraordinary home financing experience to our clients.”

Prosperity has been focused on growing its business throughout the country in 2019, and the addition of the new teams align with our company’s long-term growth strategy, according to Wilson.

Ron Wivagg, National Sales Support Manager for Prosperity, echoed Wilson’s thoughts.

“Prosperity has built a strong reputation for providing the highest quality of service and support to our clients.  We lead the way with cutting-edge technology and competitive loan products,” said Wivagg.  “I’m confident with our dedication to providing personalized service to every Prosperity customer, we’ll show our clients in California exactly why we are among the top lenders in the nation.”

Prosperity has been voted as one of the 50 Best Companies to Work For 2018 and has also been ranked among the Top 100 Mortgage Companies in America 2018 by Mortgage Executive Magazine, a publication that spotlights the country’s leading mortgage lenders and loan originators.  Prosperity has earned a position among Mortgage Executive Magazine’s top 50 mortgage companies in America each year since 2014.

Prosperity’s mortgage professionals have the advantages of a large company with excellent resources and state-of-the-art technology, while also maintaining a family approach to business that ensures our clients’ continued real estate success, added Wilson.

The company offers very competitive interest rate pricing and a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, Federal Housing Administration (FHA), Veterans Affairs (VA) loans, down payment assistance and bond programs, home equity line of credit programs, and renovation financing.

Prosperity operates 5 regional offices for loan processing, underwriting and closing and is represented by over 300 mortgage consultants licensed across the United States.


We are pleased to announce that effective September 30, 2019, Prosperity Home Mortgage, LLC (Prosperity) has expanded its operations into Connecticut, Rhode Island and Colorado. Two teams of knowledgeable and experienced mortgage professionals in Connecticut and Rhode Island, led by Regional Mortgage Manager, Patrick McGovern, and in Colorado, led by Regional Mortgage Manager, Daniel Dexter, have joined Prosperity and will continue to serve real estate professionals, homebuyers and existing homeowners in these states.

“We’re thrilled to have the opportunity to once again expand our footprint,” said Tim Wilson, CEO of Prosperity Home Mortgage.  “Prosperity continues to be one of the best mortgage companies in the country, and we are looking forward to demonstrating the wealth of knowledge and integrity that our team of mortgage professionals brings to every mortgage transaction—all in support of our mission to deliver an extraordinary home financing experience to our clients.”

Prosperity has been focused on growing its business throughout the country in 2019, and the addition of the new teams align with our company’s long-term growth strategy, according to Wilson.

Ron Wivagg, National Sales Support Manager for Prosperity, echoed Wilson’s thoughts.

“Prosperity has built a strong reputation for providing the highest quality of service and support to our clients.  We lead the way with cutting-edge technology and competitive loan products,” said Wivagg.  “I’m confident with our dedication to providing personalized service to every Prosperity customer, we’ll show our clients in Connecticut, Rhode Island and Colorado exactly why we are among the top lenders in the nation.”

Prosperity has been voted as one of the 50 Best Companies to Work For 2018 and has also been ranked among the Top 100 Mortgage Companies in America 2018 by Mortgage Executive Magazine, a publication that spotlights the country’s leading mortgage lenders and loan originators.  Prosperity has earned a position among Mortgage Executive Magazine’s top 50 mortgage companies in America each year since 2014.

Prosperity’s mortgage professionals have the advantages of a large company with excellent resources and state-of-the-art technology, while also maintaining a family approach to business that ensures our clients’ continued real estate success, added Wilson.

The company offers very competitive interest rate pricing and a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, Federal Housing Administration (FHA), Veterans Affairs (VA) loans, down payment assistance and bond programs, home equity line of credit programs, and renovation financing.

Prosperity operates 5 regional offices for loan processing, underwriting and closing and is represented by over 300 mortgage consultants licensed across the United States.


As interest rates go up or down, a lot of attention is paid to the effect changing rates can have on the housing market.  While interest rates do play an important role in your monthly mortgage payment, they are not the only factor to consider.

If you’re planning to purchase a home, be sure to understand each of the components that make up a mortgage payment, which can help you determine a monthly payment with which you are comfortable.  Here are the parts of a mortgage payment:

Principal: The principal part of your monthly payment pays off the loan amount you initially borrowed to buy your home.

Interest: In return for providing the funds you need to buy a home, lenders charge monthly interest on the principal balance you owe.

Taxes: Property taxes may be collected by your lender on a monthly basis and held in an escrow account to be paid on your behalf as they come due. The good news is: property taxes are usually fully deductible at income tax time. Consult a tax advisor for details.

Homeowners Insurance: Homeowners insurance provides financial protection in the event of losses that are the result of fire, wind, natural disasters or other hazards. Most mortgage lenders require you to have a homeowners insurance policy and may also be collect these funds to hold in an escrow account to pay your insurance company.

Mortgage Insurance: Mortgage insurance protects the lender against financial loss if a customer fails to repay the loan.

  • FHA-insured loans require a mortgage insurance premium (MIP)
  • VA loans may require a funding fee
  • Conventional loans can be insured with private mortgage insurance (PMI)

If mortgage insurance is applicable to your loan, that part of your payment is forwarded to the agency providing the insurance.

If you have questions, our mortgage consultants are always available to help you understand the home loan process!  Please also check out our on-line resources such as our mortgage payment calculators!

 

This table is only to be used as a guide and does not include all loan types or loan features. Not all loan types are available to all borrowers. Borrowers will be subject to qualification and must satisfy all underwriting requirements and conditions. Not all borrowers will qualify. Speak with your mortgage consultant and carefully consider each of your home financing options so you can determine the home loan that is right for you.


We are pleased to announce that effective September 16, 2019, Prosperity Home Mortgage, LLC (Prosperity) has expanded its operations into Oregon and Washington state. A team of knowledgeable and experienced mortgage professionals in the Pacific Northwest, led by Regional Mortgage Manager, Rod Jackson, have joined Prosperity and will continue to serve real estate professionals, homebuyers and existing homeowners in Oregon and Washington.

“We’re thrilled to have the opportunity to once again expand our footprint,” said Tim Wilson, CEO of Prosperity Home Mortgage.  “Prosperity continues to be one of the best mortgage companies in the country, and we are looking forward to demonstrating the wealth of knowledge and integrity that our team of mortgage professionals brings to every mortgage transaction—all in support of our mission to deliver an extraordinary home financing experience to our clients.”

Prosperity has been focused on growing its business throughout the country in 2019, and the addition of the new teams align with our company’s long-term growth strategy, according to Wilson.

Ron Wivagg, National Sales Support Manager for Prosperity, echoed Wilson’s thoughts.

“Prosperity has built a strong reputation for providing the highest quality of service and support to our clients.  We lead the way with cutting-edge technology and competitive loan products,” said Wivagg.  “I’m confident with our dedication to providing personalized service to every Prosperity customer, we’ll show our clients in Oregon and Washington exactly why we are among the top lenders in the nation.”

Prosperity has been voted as one of the 50 Best Companies to Work For 2018 and has also been ranked among the Top 100 Mortgage Companies in America 2018 by Mortgage Executive Magazine, a publication that spotlights the country’s leading mortgage lenders and loan originators.  Prosperity has earned a position among Mortgage Executive Magazine’s top 50 mortgage companies in America each year since 2014.

Prosperity’s mortgage professionals have the advantages of a large company with excellent resources and state-of-the-art technology, while also maintaining a family approach to business that ensures our clients’ continued real estate success, added Wilson.

The company offers very competitive interest rate pricing and a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, Federal Housing Administration (FHA), Veterans Affairs (VA) loans, down payment assistance and bond programs, home equity line of credit programs, and renovation financing.

Prosperity operates 5 regional offices for loan processing, underwriting and closing and is represented by over 300 mortgage consultants licensed across the United States.


We are pleased to announce that effective September 16, 2019, Prosperity Home Mortgage, LLC (Prosperity) has expanded its operations into Arizona. The team of knowledgeable and experienced mortgage professionals from Long Mortgage has joined Prosperity. This team, led by Regional Mortgage Manager, Matt Rivera, will continue to serve real estate professionals, homebuyers and existing homeowners in the Tucson, AZ area as Long Mortgage.

“We’re thrilled to have the opportunity to once again expand our footprint,” said Tim Wilson, CEO of Prosperity Home Mortgage.  “Prosperity continues to be one of the best mortgage companies in the country, and we are looking forward to demonstrating the wealth of knowledge and integrity that our team of mortgage professionals brings to every mortgage transaction—all in support of our mission to deliver an extraordinary home financing experience to our clients.”

Prosperity has been focused on growing its business throughout the country in 2019, and the addition of the new teams align with our company’s long-term growth strategy, according to Wilson.

Ron Wivagg, National Sales Support Manager for Prosperity, echoed Wilson’s thoughts.

“Prosperity has built a strong reputation for providing the highest quality of service and support to our clients.  We lead the way with cutting-edge technology and competitive loan products,” said Wivagg.  “I’m confident with our dedication to providing personalized service to every Prosperity customer, we’ll show our clients in Arizona exactly why we are among the top lenders in the nation.”

Prosperity has been voted as one of the 50 Best Companies to Work For 2018 and has also been ranked among the Top 100 Mortgage Companies in America 2018 by Mortgage Executive Magazine, a publication that spotlights the country’s leading mortgage lenders and loan originators.  Prosperity has earned a position among Mortgage Executive Magazine’s top 50 mortgage companies in America each year since 2014.

Prosperity’s mortgage professionals have the advantages of a large company with excellent resources and state-of-the-art technology, while also maintaining a family approach to business that ensures our clients’ continued real estate success, added Wilson.

The company offers very competitive interest rate pricing and a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, Federal Housing Administration (FHA), Veterans Affairs (VA) loans, down payment assistance and bond programs, home equity line of credit programs, and renovation financing.

Prosperity operates 5 regional offices for loan processing, underwriting and closing and is represented by over 300 mortgage consultants licensed across the United States.


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