CHEER SQUAD
Jamie and Virginia were amazing! Communication was top notch!! Easy process for purchasing!!
Lacy R
Nov 19, 2024
So kind and helpful walking me through the entire process and ensuring that I was able to close on my house with my extenuating circumstances.
Hailey M
Oct 23, 2024
Working with Jamie was great! Communication was always clear and concise and any questions that we had were always answered!
Micael D
Oct 23, 2024
We could not be happier with our experience with Jamie.
Michael D
Sep 18, 2024
Jamie is amazing! This is our second time utilizing her and the team for our mortgage. 1000% recommend!!
Savannah I
Aug 25, 2024
Jamie was fantastic to work with. Super knowledgeable, always available when we needed her, and extremely helpful. Would highly recommend her and look forward to continuing to work with her for future business!
Jason M
Aug 12, 2024
Jamie was so knowledgeable and patient in our loan process. She was always understanding when situations changed and quickly adapted for us! She took so much of the stress of our plate and was understanding and kind. We highly recommend Jamie and will use her in our future purchases.
Jessica K
Aug 05, 2024
Jamie and her team explained every process of our loan and made sure we understood every step of the way.
Kelley H
Jul 28, 2024
The ease of processes like uploading documents and electronic signature. The team was great about communicating via phone, text, and email!
Jessica J
Jul 23, 2024
Jamie and her team are wonderful. They took the time to explain everything concerning our loan and made sure we understood each process.
Gregg H
Jul 18, 2024
Moving and financing can be fairly stressful..... Jamie was ALWAYS positive and reassuring throughout the process.
Michael N
Jul 17, 2024
Jamie was a rockstar! She made the entire process smooth and easy and kept us well informed. We will definitely use her again in the future.
Joseph M
Jul 11, 2024
Jamie was responsive when there were questions.
Tamera M
Jul 07, 2024
Jamie is very knowledgeable and takes the time to explain everything!
Darlene S
Jun 09, 2024
Jamie & her team has always been very responsive and helpful throughout the three separate closings I have been part of. Could not say enough good things about them!
Dylan Q
May 29, 2024
Everyone is absolutely fantastic, efficient, and available. Thank you all!
Kelly A
May 22, 2024
Jamie and her team were very accurate and responsive. We appreciated her flexibility on certain matters with the loan.
Loren A
May 10, 2024
It was amazing working with you and your team! Our experience from approval to close was the easiest and seamless Brittany and I could have ever imagined. Thank you for everything.
Christian H
Apr 05, 2024
The communication of prompt and professional service.
Thanks! đ
Robert B
Mar 31, 2024
Jamie and Virgina was so professional and very helpful through our process, totally a great team!!!
Thanks đ
Patience B
Mar 24, 2024
Very easy to work with. The procedure was fast uncomplicated and everyone in the office was such a pleasure to work with. I appreciate it all so much.
Theresa O
Feb 27, 2024
Prompt Communication and Transparency
Charles S
Feb 06, 2024
We have used Prosperity Mortgage to purchase two homes. Once with Donnie and once with Jamie. Both experiences were seamless and enjoyable. The whole team is knowledgeable about the process and well equipped to answering any questions we had.
Thank yâall for being the easiest part of the home buying experience!
Luke S
Jan 17, 2024
Efficient process.
Aaron J
Nov 08, 2023
The team always made themselves available for and questions and support I needed during the entire process.
Gary N
Nov 05, 2023
As usual, Jamie and her team were very responsive and easy to work with! Thatâs why she was the first person we called when we needed financing! Jamie is an amazing person and friend and we highly recommend her Team!
Randy J
Nov 05, 2023
Great communication from both Jamie and Virginia! They were both super helpful and able to keep me updated on the progress of my loan status as well as explore options that I had not heard of. Great people all around!
Austin P
Nov 03, 2023
Jamie and her team are phenomenal!
Kelly A
Oct 22, 2023
Jamie and Virginia was absolutely fantastic. High recommend!!
Benjamin T
Sep 25, 2023
Very knowledgeable and professional. Any emails that were sent was answered within 24 hours. Always an open line of communication and they even went as far as helping us find homeowners insurance. Would definitely used Jamie abbott again. And will be telling anyone we know that is considering buying.
William D
Sep 23, 2023
Everything ran pretty smoothly
Bradley B
Sep 11, 2023
Everyone was very quick to respond to all of my questions and concerns. As well as everyone I spoke to was very kind and very helpful.
Ashley A
Sep 11, 2023
You were all very helpful in the process and went above and beyond. In my experience.
Chad H
Sep 06, 2023
Jamie was very knowledgable and friendly. Her and her team were easy to work with, making our home purchase a smooth process.
Parker H
Aug 17, 2023
From start to finish, Jamie and her team go 100 extra
miles to make sure everything is communicated in a clear manner, that clients understand the details, and that everything happens in the time frame required. Jamie provides the best buying experience and Iâll never use anyone else.
Desneige V
Jul 30, 2023
Jamie treated us just like family and never put a doubt in our minds that we couldnât trust her!! Highly recommend!
Justin M
Jul 13, 2023
Service, customer care, friendly people , love to work with you guys again, thank you đșđșđșđșđđđđ
Hamid M
Jul 02, 2023
Personalized service, prompt and active communication
Stephanie M
Jun 29, 2023
Jaime and her team were reliable and easy to work with. I would highly recommend this team!
Stacy M
Jun 17, 2023
Jamie went ABOVE AND BEYOND. She wasnât 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, sheâs a friend!
Shanna W
May 17, 2023
Yâall 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
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?
- Youâll 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 youâll have a good idea of how much you can afford. Once youâve found a home, and a seller has accepted your offer, you are ready to move to the Application process.
Once youâve 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, youâll sign papers, pay closing costs, and finalize the transaction. Now itâs 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 donât 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 2024 | 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.