Mortgage
Getting pre-approved gives you a clear picture of your buying power and shows sellers that you’ll be able to secure financing to purchase their home.
Homebuying and Financing Simplified
Whether you are buying a new home or refinancing, our affiliated lender Prosperity Home Mortgage provides the convenience of one-stop shopping and fast, efficient service. Purchase and refinance mortgage loan options include conventional, FHA, VA, renovation and jumbo financing, as well as down payment assistance programs.
Prosperity Home Mortgage
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Mortgage Loan Consultant Prosperity Home Mortgage
Bailey Francis
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Frequently asked questions
Do I need to put 20 percent down to qualify for a mortgage?
There are several loan options available that do not require 20 percent down. Depending on the loan type, you will probably pay private mortgage insurance (PMI) if you put less than 20 percent down. Learn more here or find a mortgage loan officer who can provide details options.
How much of my income should I spend on a mortgage payment?
Many experts recommend spending a maximum of 28 to 35 percent of your pre-tax income on your housing expenses. Other debt obligations like student loans and car payments are factored in when you apply for a loan, but you should also consider your personal expenses such as groceries and entertainment when determining how much you want to spend. Learn more about this topic, or get connected with a mortgage loan officer who can help you determine what you can afford.
What is a VA loan?
The U.S. Department of Veterans Affairs (VA) offers a unique home loan program that helps active and retired military veterans purchase a home. Features include: No down payment requirement, no monthly mortgage insurance premium, competitive interest rates and low closing costs. Learn more about VA loans here or find a professional mortgage loan officer who can help you get started.
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