The advantage of using a full
service lender is in the details.
Your home search will be faster and easier if you know what you can afford. With Prosperity Mortgage pre-approval program, we can determine a comfortable price range before you start your home search. And when you make an offer, the Prosperity Mortgage pre-approval program gives you the edge by affirming that you mean business.
Quick-Doc™: When you've found your dream house, you don't want to lose time digging through old records for income and asset documentation. Just a few minutes on the phone with your Prosperity Mortgage loan consultant may greatly reduce the paperwork you will need to apply for the loan.
Builder Best®: Prosperity Mortgage offers maximum flexibility in new construction financing. The Builder Best® program protects you against rising interest rates and unnecessary paperwork by allowing you to lock in your interest rate and your credit documentation for up to one year. You can also take advantage of decreasing interest rates by using a one-time float down option. We offer lock periods up to 180 days (longer lock terms also available) at no additional charge with a float down option that can be exercised within 60 days of closing.
Low Down Payment Loan
Option: The "upfront" costs of home ownership used to
be a significant
hurdle for many folks. But today, Prosperity Mortgage offers
financing solutions that provide more home ownership opportunities
for individuals
with limited savings. Low down payments - or no down payment
at all - and flexible qualifying standards make FHA and VA loans
very appealing.
FHA loans offer down payments as low as 2.25% of the sales
price. Eligible
veterans may be able to purchase a home with no down payment.
Other 100% and low down payment programs are also available.
Shop, Lock and RollSM: Are interest rates where you want them to be? Then lock in your rate during the home search process. Did interest rates drop after you found your home? Then roll down to the lower rate before you close with our Shop, Lock and RollSM program.
Less Than Perfect Credit Loan Options: We offer loan programs that accommodate less than perfect credit histories. Free credit counseling is also available to help you resolve past credit issues, save for a down payment and work toward future mortgage approval.
Jumbo Loans: Prosperity
Mortgage offers traditional jumbo fixed rate mortgages.
Looking for a shorter loan term and greater financial flexibility?
Try our Super Jumbo Interest-Only Mortgage, available in loan
amounts up to
$3,000,000. It has low monthly payments and upward adjustment
caps to help you
maintain maximum cash flow. At Prosperity Mortgage, those
with complex
income profiles and intricate investment portfolios still enjoy
enhanced borrowing
power and simplified application experiences through our
Expanded Financing
Solutions program which offers No-income disclosure/no-ratio
calculation loans, minimum documentation requests for self-employed
borrowers and low down payment loans.
Other Programs Include: FHA, Jumbo, Conv, VHDA, VA, Construction to Perm, interest only, 2nd mortgages, home equity lines, foreign national, plus many more.
For more information, select a loan officer or send us your question using the Q & A page.
Prosperity Mortgage
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