Hi, I'm Brian...
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Mortgage Consultant

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Brian Witty

Mortgage Consultant

NMLSR

195623

State license
State licenses
Cell Phone
214-636-4422
Office Phone
972-801-2444
Address:

6959 Lebanon Road

Suite 201

Frisco
TX
75034
Languages:  
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Brian has been a Mortgage Loan Consultant since 1999. Over the past 25 years, he has helped thousands of clients buy and refinance their homes, tailoring their mortgage to meet the specific needs for each family. No 2 situations are exactly alike & with Brian's years of experience, his clients benefit by his putting together all of the pieces of the puzzle to ensure a smooth home buying process.

With a degree in Finance from the University of North Texas & having bought several homes himself, Brian understands how the process works, the intricacies of underwriting and how to get his clients to the finish line. So whether it’s your 1st home, your Dream home or your Vacation home, Brian looks forward to helping you into your next home!

It includes a review of your Financial Statement.This service is complimentary.
PREQUALIFICATION PROS
There is peace of mind incompleting this early step in the homebuying process.
EXPEDITED SERVICE
Typical turnaround times are 24 to 48 hours. We're open on weekends too.
Apply for Coop Condo prequalification letter
STRENGTHEN YOUR OFFER
Your Coop or Condo offer stands out to sellers when you use this complimentary service.

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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."

4.88 of 5.00
Our average client rating. YTD 01/2023 on experience.com
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Justin Messer
President and CEO
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prosperity
Brian.Witty@PHMLoans.com
Brian.Witty@PHMLoans.com
Brian.Witty@PHMLoans.com
Frisco
brian.witty@phmloans.com
1644440684524367
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*The mortgage payment quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
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What type of home are you purchasing?
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3.5% Down
0%50%+
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By entering your contact information, you are providing express written consent for Prosperity Home Mortgage Corporation to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our terms of service and privacy policy. Consent is not required to use our services.
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See if you're paying too much for your mortgage!
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*The refinance quiz is for estimation purposes only. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.
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Where are you located?
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What type of home are you purchasing?
Estimate your credit score
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Please estimate the value of your property.
$220,001 to $240,000
$80k $2M+
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What is the remaining 1st mortgage balance?
$100,001 to $120,000
$0 $300k+
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What is your 1st mortgage interest rate?
2.50%
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What kind of rate do you have?
What kind of rate would you prefer?
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$15,001 to $20,000
$0 $50k+
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What are your average monthly expenses?
$15,001 to $20,000
$0 $50k+
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What is your full name?
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What is your email address?
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What is your phone number?
By entering your contact information, you are providing express written consent for Prosperity Home Mortgage Corporation to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our terms of service and privacy policy. Consent is not required to use our services.
Back
Let's Find Your Home
Question  
11 
/ 11
Thanks for your information request!

Need more help of your homeownership journey?

Mortgage 101
*Not for use by New York borrowers
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Oops! Something went wrong while submitting the form.
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Brian Witty
Brian.Witty@PHMLoans.com
214-636-4422
195623