Yall were awesome communicating and helping us along the way.
John Paul H Feb 21, 2024
The personal level that Prosperity Mortgages Team is on is absolutely amazing! They take the time to get to know you. Each person we dealt with went above and beyond with everything!!!
Alyssa H Feb 17, 2024
Ashley was very helpful in the process. When needed, Taylor answered questions that we had. Overall, it was a great experience.
Baleigh A Jan 27, 2024
The whole process was made so easy by everyone involved. We felt like we we’re important and just had the best experience! We were treated as family! Thank you so much!
Rachel A Jan 27, 2024
People are constantly commincating with us to make this process as easy as can be! They truly went above and beyond for us on our first home
Annie W Nov 28, 2023
There is a reason we have come back to Donnie and his team multiple times, and that is honest, clear, and consistent communication. We appreciate the updates, emails, and the above and beyond phone calls. We have always felt that our best interest is looked out for, and that the team works to ensure all of the details are communicated in a way that allow us to make the decision(s) that work best for us. Thank you!
Katie K Nov 26, 2023
The hard work and determination of the team.
Willie A Oct 06, 2023
Taylor is absolutely amazing!! He explained everything and was there for us when we had questions!!
April A Oct 06, 2023
Taylor was amazing. Best lender experience I have ever had. Amazing asset to your team
DeAnna B Sep 20, 2023
I loved the fact that whenever I called, Ashley picked up almost immediately and if she didn’t know the answer, she’d get me to the person who did immediately. If that person couldn’t be available right then, you knew they would call back quickly. It didn’t matter who I spoke with, everyone made the process understandable, and insured that you knew what was going on, and if you didn’t would take the time to make sure that you did. As with any mortgage we had a few hiccups along the way, but my wife and I always felt that Donnie and his excellent team were fighting for us and getting us to the finish line. They did so with impeccable customer service. When we ran into some roadblocks Donnie and his team found solutions rather than throw their hands up. We couldn’t be more grateful and look forward to working with them again. A very, very easy recommendation on all accounts!
Adam F Sep 18, 2023
The communication was excellent. Great support for walking us through this process.
Leslie F Sep 10, 2023
Great job team we are vary pleased
Travis T Sep 07, 2023
Starting with Donnie, calm, patient with me as I ask a lot of questions…
Ashley and Taylor… amazing at what they do. Precise and efficient! Also made me feel confident that the loan was going through!
Brandon, helped me with the end process to get my loaners in order for underwriting. He was also amazing to work with. I felt taken care of and confident that this team would do everything on my behave to get things done do I could move into my house! Thank you to all of the team!
LeAnn B Sep 06, 2023
Donnie made me always feel at ease even when I was confused or nervous about a situation. Taylor also did a good job of explaining everything and always being transparent.
Christian R Aug 22, 2023
Thank you Donnie and team! We have the BEST experience with Prosperity. They are so prompt, friendly, and helpful!
Kendall L Jul 26, 2023
Donnie’s team’s work was thorough, efficient and timely. They kept us informed and up to date and were a great help navigating the lenders requirements re: all credit card accounts. Our needs were a bit unusual but Donnie found the right solution and closed us right on time!
Margot F Jul 16, 2023
Everything from start to finish and there was a lot ! Each team member made me feel like I wasn’t a bother and I could call for anything!!
Kristina M Jul 14, 2023
Everyone was great and very helpful during this time. I would recommend you to everyone.
Johnny S Jul 12, 2023
Very friendly and helpful and professional. Thank you to all the team!
Martha B Jul 07, 2023
The team followed up in a timely manner an explained the process clearly.
Scott S Jun 04, 2023
From start to finish, the service was personable and professional. The personnel made me feel like I have known them forever… comfortable and at ease.
Andrea M May 23, 2023
Help with going through the step by step process.
Pleasure to work with.
Dwayne W May 14, 2023
Alexis M Apr 14, 2023
Great communication and supremely flexible in response to a very fluid situation on our end. Donnie, Brandon, and the other team members were very genuine and supportive through the entire process. 5-Star experience!
Matthew M Apr 14, 2023
The fantastic work of Taylor and Brandon. Taylor was with us the entire way and was there to answer any of my questions at any time. He made the whole process so much easier than I thought it would be.
Jason H Apr 05, 2023
Taylor was amazing to work with, always a phone call away and incredibly helpful. He held our hand through this first-time experience and made everything that should have been stressful smooth and pleasant.
Chantel H Apr 01, 2023
Taylor has impecable communitcation skills. He always answers the phone or text and finds a solution.
Alexis A Mar 12, 2023
Donny went above and beyond to communicate with us and answer any questions. Brandon kept us updated each step of the way throughout the process.
Sarah W Mar 11, 2023
Quick, easy and great communication.
Melissa G Mar 03, 2023
Great communication, everyone was friendly and helpful!!
Austin M Feb 03, 2023
The prosperity team was very helpful through this process. Answered all my questions and stayed communicative the whole way through. Thanks so much!
Matthew R Dec 05, 2022
The lender worked with us to make all things happen!
Camryn E Nov 18, 2022
Very honest, efficient and open team of friendly people. When I called, a person answered. When I asked, they were on it. There were zero issues at closing. Can’t think of enough good words for how they helped us move from out of state.
Charles O Oct 31, 2022
The people were so friendly and helpful. They took time to explain what each step was and what came next. Communication was wonderful😊😊😊😊😊
Stacey G Oct 30, 2022
The communication was excellent. I never felt ignored. If I had questions they were addressed in a timely manner. Most of all, there were no surprises, everything they told us was accurate. The Prosperity Team, is awesome to work with. They will get the deal done.
Tasha B Oct 30, 2022
Very attentive local staff who kept me informed every step of the way. The integrated text messaging, emails, electronic signature/document review was incredibly helpful also.
Randall D Oct 26, 2022
Professional team and very trustworthy people!!
Robert M Oct 26, 2022
The entire staff are incredible! We were always kept up to speed on the process! Taylor and Brandon went above and beyond keeping us informed!
Calli H Oct 18, 2022
Donnie was awesome. Everything went smooth from start to finish. There were no hidden fees and everything was completed in the exact time frame and way Donnie promised. Very happy with the service everyone at Prosperity provided. Sophia, Taylor, and Donnie are wonderful!
Ashley M Sep 19, 2022
Literally do not know what I would do without Taylor. He was the best to deal with, was very patient and personable.
Rachael A Jul 27, 2022
The communication, efficiency and quickness of the entire process.
Timothy J Jul 06, 2022
Everyone was just so nice and helped be through the process when I didn't understand some things. We had a great experience!
Ronda C May 16, 2022
Donnie and his team made the whole process so painless. Their communication was excellent. We felt like we could ask them any questions we had, and when we did their response was almost immediate. Also, the online document signing system they use makes the experience a million times easier. We would highly recommend Prosperity! I felt they truly care about their clients.
Kelsey D Apr 12, 2022
The effort put into getting me financing and hard work was wonderful. Taylor and everyone were great to work with.
Karen M Apr 11, 2022
Process went well. Had no issues with prosperity.
Curtis M Mar 31, 2022
Communication and service
Steven W Mar 30, 2022
The easiness of the whole process. The thoroughness of the team & their warmth. Thank you.
William L Mar 16, 2022
EVERYONE WAS SO KIND AND HELPED SO MUCH.
Angela R Mar 14, 2022
Really good service thanks for working with us
David W Mar 14, 2022
Fredrick R Mar 14, 2022
All staff was a pleasure to deal with.
Joel B Mar 11, 2022
As always, Donnie and his team were on top of their game! Thanks for another virtually stress-free refi, guys! I can't imagine seeing anyone else for my real estate financing needs. The Prosperity Team is the best! Thank you!
Amber K Feb 07, 2022
The team 100%
Veronica W Jan 19, 2022
Everyone worked together to make it an efficient process to get a loan or a letter for an offer. You were available and happy to help.
Christa C Jan 04, 2022
The team at prosperity was polite and very easy to work with. We will definitely use them again. We also enjoyed supporting a local company instead of national big bank chain.
Diana G Jan 04, 2022
Communication, trust, process was so easy
Brett R Jan 04, 2022
Donnie and his team made our loan come to fruition that others balked at, telling us it was impossible. If you want or need a broker who is willing to think outside of the box and make things happen, Donnie deserves your business. I won’t use any other broker in the future. Well done!
Jeremy G Dec 29, 2021
Donnie and the team were excellent to work with. They made the process seamless from start to finish!
Alexander F Dec 29, 2021
The communication was amazing.The whole team did a amazing job on following up with me and explaining every detail every step of the way.We will always use Prosperity and recommend them going foward.Thank u to the whole team.
Walter W Dec 09, 2021
Jeffrey R Dec 09, 2021
Excellent customer service and support.
Brandon S Dec 09, 2021
Donnie, Sophia, Brandon, Taylor & so many others behind the scenes made our experience great! They were on top of it, from start to finish. They worked hard so we didn’t have to stress. Every time I asked about something or checked on something they already had it worked out. They went above and beyond with exceptional customer service! Our loan process was smooth & we got a great rate thanks to them! I recommend this company to anyone and everyone! They really are unlike any other team. We are so thankful for their open communication and commitment to getting us in our dream home! Thank you for all you have done, we really couldn’t have picked a better company!
Katlyn R Dec 07, 2021
Whole team was Awesome. Helped me through the whole process. Couldn't. Of asked for better support. Top notch
Chad L Dec 07, 2021
The communication and timeliness of the transaction was great!
Jeffrey D Dec 03, 2021
Donnie and his team were very prompt and had excellent communication. They made our refinance so simple. We will definitely recommend Prosperity to everyone we know.
Susan W Nov 29, 2021
Donnie and the team are great to work with!
Leah W Nov 17, 2021
Making the process as easy as can and was helpful getting all the documents I needed to close.
Henry S Nov 15, 2021
Start to finish, the team made it an enjoyable experience!
Ty W Nov 11, 2021
Y'all was in town and kept me up-to-date every time I asked a question or y'all needed something.
Devin F Oct 18, 2021
Corina S Oct 07, 2021
Communication was great. It was a very easy process!
Amanda R Oct 03, 2021
Easy and clear communication, quick process and the staff over the phone, email and in person were wonderful!
Valerie H Aug 27, 2021
Great communication and the team worked with my crazy schedule ensuring our loan closed on time. Thank you Prosperity Team!
Crystal M Aug 12, 2021
I love dealing with this team. They make the mortgage work so much easier, and I know I can rely on them to involve me when needed, as well as follow up to make sure everything processes correctly.
Tracey L Aug 10, 2021
Everyone I worked with was so supportive and encouraging and they were quick to answer any questions I had!
Karissa L Aug 09, 2021
Everything was great.
Robert V Aug 08, 2021
Financing with Donnie and his Team was the best service I have experienced. I highly recommend them as it was the quickest easiest turnaround process ever. They are outstanding and I give them a 5 Star Rating! 🌟🌟🌟🌟🌟
Doris C Jul 29, 2021
Great experience and great team!
Katie A Jul 23, 2021
Love this team. Highly recommend. So fast and so happy with my low rate. Communication is key and they have it!
Rebecca W Jul 23, 2021
The close connection I felt with your team because of the way they stayed in contact with me. You and your team really put me at ease and it is very much appreciated and will not be forgotten.
Paula L Jul 07, 2021
I did not make it easy at times on the team at Prosperity, but they always went above and beyond to make sure everything went smooth in my transaction. Moving across country was very stressful, but Sophia, Donna, Brandon, and Donnie made the transaction beyond easy for me. They did great at not only pulling everything together, but taking the stress away from the transaction. I am beyond grateful for their dedication to A+ customer service. They are great at what they do!
Jeffrey C Jul 06, 2021
We want to make your home financing as easy as it can be. With Prosperity Mortgage, you can relax while we handle the details.
You can get a loan before you even select a home. A Prosperity home mortgage specialist can perform a pre-qualification or pre-approval so that you'll have a good idea of how much you can afford. Once you've found a home, and a seller has accepted your offer, you are ready to move to the Application process.
- You will know the loan amount you qualify for so that you know what home price range to shop
- Save time to narrow the list of homes to ones that fit your price range
- Discover any credit challenges early in the process we can resolve them at the beginning of the process
- Confidently make an offer as soon as you find your dream house
- Sellers will consider your offer more strongly with a prequalification letter over one that is not
- Your agent will ask for this as it improves your chances of getting the house you want
There are no fees or costs to getting pre-qualified, but it is a vital step in the home buying process. Call us today!
Prequalification: This is an overview of your credit profile that is an important step to writing offers for new homes and one we highly recommend. It just means that you have not submitted the documentation that will be required to verify your income, financial statements showing enough assets to close and you have not yet met the underwriting guidelines of the program you are going to select once you find the home of your dreams.
Preapproval: If you have a little more time at the beginning of the process, we always recommend getting Preapproved. A preapproval is the start of the formal application process before you find the property and is more thorough review of your financial position and ability to qualify for a home.
Why get Preapproved for a Mortgage?
- You’ll be able to move faster to find the house you want
- Most of the paperwork will be out of the way so you can close your loan faster
- You will be able to move to the top of the offer stack as your income, assets, and ability to buy has been verified
- Sellers know you will be less likely to have a delay in closing
- In competitive markets, this is another feather in your cap
Buying a house is one of the biggest decisions you will make in your lifetime. Our goal is to make the process as smooth and hassle-free as we can. Understanding the process will give you the knowledge you need to get started.
- Step in Getting Prequalified or Preapproved
You can get a loan before you even select a home. One of our home loan experts can perform a pre-qualification or pre-approval so that you’ll have a good idea of how much you can afford. Once you’ve found a home, and a seller has accepted your offer, you are ready to move to the Application process.
Once you’ve selected a home, your home specialist completes the mortgage application, gathers information about the property you want to buy, and collects personal information, such as income, assets, and employment history. For a complete list of information that you need to provide, see the Application checklist.
Once your application is complete, a loan processor reviews your file and verifies your information. We order a credit report to determine your credit history and credit score. We also order an appraisal of the property.
An underwriter reviews your file and determines whether your loan will be granted and issues the loan approval. The underwriter may request additional information during this review process.
Once the loan is approved, the closing process begins. Our closing department prepares closing documents and sends closing instructions to the title agent. The title agent is responsible for examining the title of the property and working with you for an acceptable closing date. At the closing, you’ll sign papers, pay closing costs, and finalize the transaction. Now it’s time to move into your new home.
Lower Payments*. Consolidate Debt. Pull Cash Out.
*By refinancing your existing loan, the total finance charges may be higher over the life of the loan.
First, start by asking yourself one of these questions.
Has your income increased? Do you need to consolidate debt? Has the equity in your home increased? Do you need money for a major expense? Has your credit rating improved?
If the answer is yes to any of these questions than we encourage you to call one of our home loan experts to give you a refinance evaluation. It costs nothing but could save you thousands of dollars in interest, pay off high balance credit cards, or help pay for college or unexpected expenses.
Knowing your options is the most import part of the refinance decision so Call us today!
As you pay down your mortgage or as home values increase over time, a cash-out refinance allows you to use a portion of your equity and turn it into cash. The great news is you can use that cash however you want. Home improvements, unexpected expenses, college tuition or just to check a destination off your bucket list.
When is the best time to turn that equity into your house and use it as you see fit? That answer is up to you and can be used to fit your current needs.
Some of the more chosen reasons for utilizing a cash-out refinance are to:
- Remodel of you home
- Pay off high-interest credit cards or auto loans, neither of which is tax deductible like mortgage interest
- Help with life events like a growing family
- Bucket List Reduction
- Elimination of student debt
A renovation loan will let you do almost anything with your home. Some loans are used on smaller projects like ordinary repairs or cosmetic updates. These types of renovations loans typically don’t have minimum loan requirements for the repairs or upgrades you want to make to your home. These loans are limited to non-structural repairs with maximum loan amounts around $30,000.
With these types of loan, you can improve things like:
- Repairing or replacing your roof and gutters
- Redesigning your kitchen or bath
- Landscaping or adding a deck
- Buying new appliances
- Getting new windows, doors or floors
- Making your home energy efficient
- Upgrading plumbing, electrical, heating or cooling systems
- Ask a home loan expert (bolded and hyperlinked to find a loan officer)
Need to do more extensive renovation? We got you covered!
We have other programs that are specifically intended to make major repairs or changes to your home. These will have a minimum loan amount but the good news is you can borrow up to the value of your property plus repairs/renovation. Here are some examples:
- Room additions or adding a second floor
- Major remodeling that requires structural work
- Foundation or other structural repairs
- Projects over six months
A fixed-rate mortgage offers an interest rate that is steady throughout the life of the loan. Fixed-rate mortgages offer the security of always knowing exactly what your monthly loan payment will be. The interest on ARMs can fluctuate (up or down) periodically. The interest rate on ARMs offers an opportunity to save on interest costs. However, you are protected from rates getting too high, because a safe ARM has annual and lifetime rate caps, which limit how high your rate may go.
MORTGAGE PAYMENT CALCULATOR
Estimate your monthly mortgage payment using the calculator below. Simply enter the purchase price of the home, loan term, and details about the home loan. Please note that escrow for taxes and insurance is not required for loans with down payments more than 20 percent. Some of this information may be difficult to determine on your own; please contact a mortgage specialist to review the most accurate monthly mortgage payment for the area you are purchasing.