CHEER SQUAD
Jamie went ABOVE AND BEYOND. She wasn’t going to stop until everything was perfect. She walked us through everything and made sure we understood exactly what was going on. Jamie is more than a lender, she’s a friend!
Shanna W
May 17, 2023
Y’all kept us consistently updates on the loan and buying process. Super friendly and easy to work with. Megan and I appreciate everything you did for us!
James A
May 05, 2023
Everything was super simple, well organized, with great communication from everyone involved with our account. Would highly recommend to others.
Tamra W
May 01, 2023
Everyone I dealt with was professional and friendly.
Thomas M
Apr 14, 2023
Everything ran very smooth making for a simple closing, her communication with us was excellent. Thank you so much!
Amy M
Apr 08, 2023
The service was great. From the time we had started the process of the loan to the very end of the closing on our new home. Working with Jamie and her staff was like working with family!
Stephen G
Apr 04, 2023
Great Team
Ayman A
Mar 31, 2023
Everyone was so helpful and communicative! Thank you for everything.
Zachary P
Mar 29, 2023
Professional
James M
Mar 23, 2023
Great people. Good taste in cars. Pros at what they do.
James N
Mar 05, 2023
Jamie is AMAZING. She is quick, professional and well educated in her field. Her team is stellar and their communication is exceptional. The process so flawless and well executed.
Abigail N
Mar 02, 2023
Jamie is absolute awesome to work with! She is in your corner cheering you on throughout the entire process!
Amanda K
Feb 10, 2023
Communication, professionalism, attention.
Joel K
Feb 06, 2023
Personable & felt like I had someone fighting to get me the best possible rate and situation.
Hamilton M
Feb 05, 2023
Jamie and the entire team were very patient with the many questions i had as a first time homeowner. They truly made this process less stressful than it usually is.
Brett G
Feb 04, 2023
Very informative and Friendly.
Cade M
Feb 02, 2023
Prompt friendly service and all who were involved was always willing and able to help us through the process!!
Anthony B
Jan 04, 2023
Jamie is the best, whatever she is getting paid it isn't enough. I'll never use any one else. Thank you for all the information and your help. Could not have done it without her....
Bruce P
Jan 04, 2023
Jamie and her team are phenomenal- always on my side. Love them all!
Jonathon T
Dec 07, 2022
Jamie and her staff Virginia and crystal are so efficient and thoughtful. They made process go smoothly. We appreciate all they did for us to make the move happen.
David S
Nov 08, 2022
Everyone was great ! They made the process smooth sailing! They were a great team! Thank you all!
Wysheka J
Nov 01, 2022
Jamie and staff are very gracious and detailed Virginia and crystal were always helpful.
Thank you for a wonderful experience
Constance S
Nov 01, 2022
Jamie is the best at her job. She is very knowledgeable at what she does. She makes the process less stressful.
Jason T
Oct 11, 2022
Jamie and her team went above and beyond to make sure everything went smooth for us when it came time for us to close on our new home.
Galo R
Sep 23, 2022
The whole staff that we dealt with!!
Richard J
Sep 15, 2022
Everyone was so nice, helpful and knowledgeable
Amara M
Sep 14, 2022
Jamie and her team are simply amazing. I will be recommending them to anyone I know that needs their wonderful services.
Tanya J
Sep 14, 2022
Extremely pleasant to work with and very efficient. The whole process was a breeze. highly recommend!!
Corey J
Sep 14, 2022
I was always able to get immediate answers to any questions that came up and Jamie and everyone else I came into contact were helpful and so kind!
Amanda C
Sep 14, 2022
Very easy to work with everyone.
Tyler P
Sep 14, 2022
Jamie Abbott and the entire team at Prosperity Mortgage are amazing at what they do. They made the process easy with their knowledge and helped in informing us throughout the entire process.
Amelia S
Sep 11, 2022
Jamie and her staff was fantastic to work with.
Austin V
Sep 08, 2022
Great communication!
Sun R
Sep 07, 2022
Jamie is one of a kind, she is amazing and an extreme pleasure to work with during this process.
Todd B
Sep 07, 2022
Knowledgeable staff, wonderful to work with.
Kelly B
Sep 01, 2022
Jamie and her team are amazing! From the time we started looking until we closed, they made sure that we were taken care of. I would recommend anyone to use them!
Adam M
Aug 24, 2022
So helpful and attentive to our needs!
Laynee H
Aug 20, 2022
Very personable and knowledgeable!!
Monica W
Aug 11, 2022
Jamie was awesome! Very friendly and was great responding to any questions or concerns I had. It was a pleasure working with her. Jamie and her team are 5 star in my opinion!
Tyler O
Aug 07, 2022
Professional prompt easy peasy great to work with
Alan W
Aug 07, 2022
Jamie is simply awesome! Makes everything easy and as seamless as possible.
Joseph L
Aug 02, 2022
It appears Customer Service is a priority at this company‼️
Deborah S
Jul 31, 2022
Jamie is incredible, I have done several deals with her and wouldn't use anyone else!
Josiah G
Jul 27, 2022
Jamie and her team were nothing short of AMAZING to work with on our first home purchase. They explained everything in basic terms for us to understand and gave us tips on what to watch for from the builder etc.. Not just a loan office but a true partner in the process of purchasing a home! Thank you Jamie and team!!
Jeff L
Jul 12, 2022
The entire team was wonderful. We're very grateful.
Sandra W
Jul 10, 2022
Communication and the feed back.
Kevin D
Jul 05, 2022
The open lines of communication with the whole office team! Everyone was so sweet, efficient and easy to talk to. The home buying process is stressful and I never broke a sweat!
Alyssa M
Jun 28, 2022
This is our second time to use Jamie and her team. They are thoughtful and hardworking. We always got prompt responses when we had questions.
Christina G
Jun 07, 2022
We needed help in a pinch as another lender was going very slow and ended up missing our closing date. Luckily, we found Jaimie only three weeks prior to close and had her work on the same loan behind the scenes just in case. She got it done and we used her to close.
David D
May 11, 2022
Jamie and her exceptional team was an absolute pleasure to work with. The team is very courteous and professional. They answered all of our questions and concerns without delay. I am very happy with Jamie and her team and will most definitely recommend them to friends and family. Thank you to Jamie and her team. It was a great experience.
Tanya J
May 08, 2022
Great communication and very efficient
Deanna P
May 06, 2022
Very smooth process Jamie and the team were all great! We are excited for the next deal.
Jordan M
May 05, 2022
Jami and her staff was amazing! Very professional, timely,and willing to answer or find the answer to any question we had. It was a pleasure to do business with them. Would definitely recommend to a friend.
Richard J
May 05, 2022
Jamie and Kendra are on it! They manage every step of the process professionally and efficiently while maintaining a very personable experience
Kathleen P
Apr 12, 2022
Jamie and her team were great to work with. Highly recommend.
Joshua B
Mar 19, 2022
Jamie was amazing! Very clear, understanding, professional, and helpful.
Alejandra N
Mar 15, 2022
Great service. Great communication. Super easy to work with.
Brandon D
Mar 14, 2022
Jamie's comment to service.
Todd E
Mar 11, 2022
Really appreciated the personal touch given to us as customers. Always felt like I could get a hold of Jamie and her team about any question and they would have our back.
Ehren S
Mar 06, 2022
Friendly and helpful ladies.
Juliana B
Feb 17, 2022
Jamie made it a pleasure to refinance
Andrew W
Feb 17, 2022
It was easy and the team was great to work with.
Amber J
Feb 16, 2022
This was the second time using Jamie and her team. Great communication from them through out the process. Highly recommend this team for you home financing needs.
Shawn C
Feb 03, 2022
It was stress free! Virginia and Kendra made everything so easy for us, and explained everything. Being first time homeowners, we didn’t really know much about the process but thanks to the team, we didn’t worry about anything! Thank you so much.
Paola M
Jan 29, 2022
Jamie was great with communicating to us and made it so easy through the whole process. This was our 2nd time using Jamie and I would definitely recommend her to anyone.
Jessica C
Jan 27, 2022
The entire team was very helpful throughout the entire process. Thank you for the speedy manner in which you handled my refi!
I will definitely be using your services again in the near future. Feeling Grateful!!! : )
Sandra S
Jan 20, 2022
Such a pleasant and easy loan process! Jamie was wonderful from beginning to end.
Elizabeth M
Jan 20, 2022
Jamie and team were able to get us approved when other lenders told us it wasn't possible for another year. When you look for a mortgage broker, or lender, results matter the most. Jamie and team get results....it's that simple.
Sean F
Dec 30, 2021
Jamie was so easy to work with. She answered all of our questions in a timely manner and took the time to explain anything we asked.
Danielle A
Dec 09, 2021
Process went as smoothly as could be hoped for.
Jacob P
Dec 09, 2021
It was an absolute pleasure to work with you. Superb service!
Julius D
Dec 05, 2021
The overall customer service was a great!! These ladies are the best!! They went above and beyond to make our home buying experience and process possible!! There were a few speed bumps along the way (due to our part) but they were there every step of the way! Communication and responses were always fast and effective! These ladies were always upbeat and you could hear their smiles and enthusiasm over the phone! We honestly couldn't of done without them!!
Stacee F
Dec 03, 2021
Jamie is so sweet and real. She tells it like it is, but in a way that doesn’t make you feel uneducated. She takes the time to explain things and genuinely cares about her clients.
Amanda H
Dec 02, 2021
The process was very simple and streamlined!
Robert A
Nov 30, 2021
Jamie and her team were certain to keep the line of communication open even when the realtor wasn’t responding. I absolutely LOVE this team and they’re a God sent. Jamie sat down with me and reviewed every detail of the loan and what it would look like long term. Her team gave great financial advice. Jamie was even available to help troubleshoot some things she truly didn’t have to. This team went ABOVE and BEYOND their duties to ensure my buying process was successful and went so smoothly. A definite 10/10 would highly recommend!
Charles F
Nov 20, 2021
Jamie was such a calming force in a stressful process! We loved her!
Amanda W
Nov 18, 2021
Jamie and her team were extremely communicative and made the entire process seamless. I don’t know if it could have gone any better. They are fantastic at what they do and have an excellent system.
Michael W
Nov 17, 2021
Efficient, courteous, and prompt.
Douglas S
Nov 11, 2021
Jamie has a great team and they all ROCK.
Gary B
Oct 26, 2021
Every single bit of it.
Desneige V
Oct 26, 2021
Jamie and her staff were efficient and so great at keeping me in the loop of what was going on. They made refinancing so easy and worry free!
Christie C
Oct 07, 2021
Buying a house is never easy especially buying one in a state you don't live in but never fear Jamie and her team are here to help you every step of the way. This process was made so easy all my fears of phone calls paper work emails etc I never had to worry about any of it Jamie and her team took care of everything. I would highly recommend her she made buying a house so simple. Communication was clear always available via text and calls, the entire process was organized and they adapted to my busy work schedule to ensure I was going to be successful.
Donald M
Oct 07, 2021
MORTGAGE
We want to make your home financing as easy as it can be. With Prosperity Mortgage, you can relax while we handle the details.
Get Prequalified before you shop for a house
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!
What is the difference between Prequalified and Preapproved
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
Mortgage Loan Process
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
- Application
- Processing
- Underwriting
- Closing
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.
Should I refinance my house?
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!
What is a Cash-Out Refinance?
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
What can you do to update/upgrade your house with a Renovation Loan?
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
What is the difference between a fixed-rate and an ARM mortgage?
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.
KNOWLEDGE CENTER
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.
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COPYRIGHT 2023 | PROSPERITY MORTGAGE | ALL RIGHTS RESERVED
PROSPERITY MORTGAGE IS AN EQUAL OPPORTUNITY EMPLOYER THAT WELCOMES AND ENCOURAGES ALL APPLICANTS TO APPLY REGARDLESS OF AGE, RACE, SEX, RELIGION, COLOR, NATIONAL ORIGIN, DISABILITY, VETERAN STATUS, SEXUAL ORIENTATION, GENDER IDENTITY AND/OR EXPRESSION, MARITAL OR PARENTAL STATUS, ANCESTRY, CITIZENSHIP STATUS, PREGNANCY OR OTHER REASON PROHIBITED BY LAW.