Hi, I'm Laura...

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Laura Steier

NMLS

530739

Cell Phone
502-694-4409
Office Phone
502-394-6126
Address:

600 North Hurstbourne Parkway

,

Suites 200 & 240

Louisville
KY
40222
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With over 19 years of mortgage consultation and origination experience, I have the perspective and expertise necessary to truly guide my clients and empower them to make an informed decision selecting the loan and program that best accommodates their situation and financial goals. My forte is analyzing the best loan options based on individual needs and wants and very good at problem-solving. I am dedicated to developing mutually valuable long-term relationships with my clients and referral partners by demonstrating my integrity and commitment to always provide unmatched service. This and also making it as much as possible a short and hassle-free process, is the basis for my long record of satisfied customers.  I appreciate the rewards of working earnestly to help people achieve homeownership and greater financial stability for their families. When time allows, I enjoy golfing, travel, and cooking. I am also a huge animal lover!

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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
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laura.steier@phmloans.com
laura.steier@phmloans.com
laura.steier@phmloans.com
Louisville
laura.steier@phmloans.com
1644440684524367
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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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What type of home are you purchasing?
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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.