CHEER SQUAD
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
Jamie makes usually a stressful process seem effortless.
Her Team & her are very personable and communicate every step of the way. We Wouldn’t go anywhere else!
Austin W
Oct 06, 2021
Jamie is awesome and what she does and makes the process senseless and easy!
Rachel W
Oct 01, 2021
Great with communication and keeping me informed!
Lela F
Oct 01, 2021
Jamie and her team are awesome! The entire process was so easy and stress free!
Tammy R
Sep 29, 2021
This is our third time using Jamie and, because there is no one better, we will be back again!
Jennifer C
Sep 02, 2021
Jamie is very knowledgable with the loan experience, knows how to make things happen, is always so wiling to answer questions, educate, and do what is best for the customer! Virginia has been a great help and so has the rest of the team! Lucky to have them!
Kelly M
Sep 01, 2021
Jamie, Virginia and Kendra
Guided us through every step of the mortgage process with compassion and professionalism .
Billy R
Sep 01, 2021
Jamie was professional, attentive to our needs, communicated with us throughout the process and made the whole experience one that was easy for us and as smooth as we could possibly ask for in a mortgage refinance. I would recommend her and her team to anyone seeking a mortgage without hesitation.
Daniel A
Aug 28, 2021
Jamie went above and beyond for us, and provided us with the best service we could have ever asked for. She put up with all of the questions my husband called in for daily. Jamie truly handled us with the most respect, love, and care. We love knowing that whenever we decide to move out of our house and buy a new home that we will be in the best hands. For now, we are in complete awe of our new home and we are so excited to fill it with memories and love. We love you Jamie.
The Bolen’s
Brianna B
Aug 10, 2021
The entire team was amazing. Jamie, Virginia, and Kendra were perfect and so nice. They explained everything thoroughly to where I could understand what was happening. They made the entire home buying experience amazing .
Ashton B
Aug 10, 2021
Jamie was absolutely amazing from start to finish! She communicated with us every step of the way! She’s on top of it! There were no surprises or hiccups that can often happen. She even took time out of her busy schedule to appear at closing and see the deal wrap up! I would recommend Jamie to everyone!
Jodie R
Aug 10, 2021
This was our second time using Jamie. She is always so quick to answer all of your questions and a joy to work with.
Ashley S
Aug 07, 2021
Really awesome and very helpful.
Annabelle B
Aug 06, 2021
Jamie was great to work with! Answered all of my questions and was always proactive. Love her positive energy and willingness to help out in any way possible.
Jessica J
Aug 04, 2021
Jamie and team made the entire process extremely easy and seamless. They were always willing to chat over the phone and answer questions and were on top of every step. Jamie took the extra step to make signing fun and to make sure everything was correct for closing day. I cannot say enough good things about the experience.
Madison P
Aug 03, 2021
Very efficient.
Jeremy B
Jul 26, 2021
Jamie and her team were very helpful, knowledgeable, and friendly. They made us feel comfortable with the entire process. And, the process was so quick! The complete experience was amazing! Thank you so much!!!
Melissa C
Jul 23, 2021
Jamie and Virginia were so helpful and communicative through the entire process. Both my client and I were impressed by their attention to detail and kindness. Thank you for such a smooth transaction!
Bryan R
Jul 23, 2021
Very friendly staff. You explained everything very well.
Alan S
Jul 23, 2021
very nice people very professional and very helpful
Walid A
Jul 20, 2021
Excellent communication and service!!
Jennifer C
Jun 16, 2021
Yall are what I would call a high octane company. You get it done as fast and accurate as humanly possible. I will recommend you to friends and family without a second thought. Thank you so much
Shawn H
Jun 14, 2021
I was very pleased with how you stayed on top of each process and having everything ready to close early. Hope to work with you again in the future.
Jennifer D
Jun 11, 2021
Jamie was very personable and communicative. We ran into a myriad of issues outside our or her control on the way to closing and Jamie just rode them out very professionally and when she got was put into a crunch, she delivered.
Wendy H
Jun 11, 2021
Thank you Jamie and Virginia for making our home buying experience awesome! We loved working with both of you! You were able to race through our loan process and get us closed a week earlier than planned. You kept us up to date and explained the process in a way we could understand what was going on. And you gave us timelines so we knew what to expect each step of the way. We cannot thank you enough and will highly recommend you to our friends, family and anyone who asks. You all are amazing!
Shawn and Wendy H
Jun 08, 2021
Jamie did an exceptional job and communicated well throughout the transaction. Great job!!!
Justin T
Jun 08, 2021
Great with first time homebuyers.
Ricardo M
Jun 07, 2021
Jamie and her staff are amazing, they were very professional and communicated with me through the whole process. I would refer my family and friends to use them at any given time, made the purchasing of our new home great!!!
Crystal T
Jun 07, 2021
Jamie was prompt in every communication. Almost every question asked was answered within the hour!
At the signing there were a couple points where not just my realtor, but my own uneducated butt said, "Really? How did you manage to score us THAT deal in the contract?"
It was evident that she worked on our contract up to and including the day of the signing to ensure the best possible deal for us. I have already shared her information with family looking to relocate to Tennessee.
Steven J
Jun 07, 2021
Jamie, Virginia, and Samantha were very professional, very accurate with the estimates, and so on top of everything. The smoothest refinance I’ve ever done!
Christopher J
Jun 06, 2021
Jamie and her team are so friendly and knowledgeable! They helped us with everything and anything we needed to get our loan for our house! I will recommend them to anyone looking to get a loan for a house!
Cassandra J
Jun 05, 2021
Accomplished in a proficient and professional manner
Lincoln F
May 16, 2021
Great communication, and they are on top of it!
Mike W
May 13, 2021
Jamie and her team (specifically Virginia) went above and beyond to answer our questions and make sure we understood the entire process for our home refinance. They worked with our schedules for closing and were great at communicating with us. We would definitely recommend them to others.
Casey W
May 03, 2021
Very responsive and super helpful. Everyone we worked with was great and we will definitely recommend to anyone who ask. Thank you
Kellie M
May 01, 2021
I loved working with Jamie! She was friendly and fast and was able to help me afford the house I wanted while staying within my monthly budget
Kelsey C
Apr 23, 2021
Jamie and her team were were so personable. I really appreciated the time she took to discuss every step of the process.
Noel S
Apr 23, 2021
Jamie worked with us to ensure a timely, organized closing. I had some concerns with a few items, and Jamie took the time to make it right. I would recommend her to anyone.
Jonathan S
Apr 22, 2021
Jamie made us feel secure with her expertise and confidence. We knew we could absolutely trust her leadership and judgement through the process. She's a true guide and a consummate professional. And, perhaps most importantly, she got the job done quite satisfactorily, and locked us in on a killer rate and saves us THOUSANDS compared to our previous situation. Many thanks, Mrs. Abbott!
Adam B
Apr 16, 2021
Jamie is always ready to help and treats you like her family. Wonderful experience!
Jennifer W
Apr 03, 2021
I recently refinanced my home with Prosperity Mortgage. The process of refinancing were great. I highly recommend Prosperity Mortgage. Thanks Jamie, and Virginia for being so nice and helping me through the process of refinancing.
Dorothy L
Mar 30, 2021
Jamie and the team did a fantastic job the whole way through! This was our first home purchase and you all did an outstanding job helping us navigate the process and explaining things that were new to us. You exceeded our expectations and were surprisingly the easiest part of the whole purchase!
Brooke L
Mar 26, 2021
Jamie and her team worked tirelessly to get me my dream home! They went above and beyond, and I'm so thankful for everything they did!
James B
Mar 26, 2021
I love her soooooooo much!!! Amazing person!!
Taylor P
Mar 26, 2021
Jamie is AMAZING!!! She took such great care of our client and fought so hard to get us to the closing table. Her professionalism was OVER AND BEYOND the call of duty. I'm excited to work with her again soon!
Kenneth B
Mar 26, 2021
Jamie and her awesome team made our purchase a very smooth and enjoyable process.
Gennie C
Mar 22, 2021
Jamie Abbot and Team members
Hurley C
Mar 19, 2021
Jamie always made time for questions and explained things I didnt understand.
Tina E
Mar 15, 2021
Everything went smooth with no surprises.
Kevin D
Mar 12, 2021
Jamie was so wonderful to work with. I cannot express how great she was to answer all my questions, explain every detail, and guide me through the process. She’s the best around!!
Savannah G
Mar 12, 2021
Jamie Abbott and her team are wonderful to work with. They make you feel very at ease with the process and help out anyway they can.
Michelle K
Mar 12, 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 of less 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.