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Prosperity Home Mortgage, LLC Prosperity Home Mortgage, LLC NMLSR #75164 NMLS Consumer Access @ www.nmlsconsumeraccess.org/

10/09/2026

The stars are nice. The stories behind them mean even more. ⭐⭐⭐⭐⭐

Every homeownership journey is personal, and so is our commitment to the people we serve.

To the clients who trusted us with their next chapter and shared their experiences: thank you! 💙🏡

Your stories are what keep us Relentless in Service.



©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

A mortgage closes. The relationship shouldn’t.With mortgage servicing coming to Prosperity, our commitment to homeowners...
10/09/2026

A mortgage closes. The relationship shouldn’t.

With mortgage servicing coming to Prosperity, our commitment to homeowners can continue well beyond the closing table.

Relentless in Service. Relentless in Servicing, too.



©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

We are excited to welcome our newest Mortgage Consultants to Prosperity Home Mortgage! Expanding our team means even mor...
10/08/2026

We are excited to welcome our newest Mortgage Consultants to Prosperity Home Mortgage! Expanding our team means even more dedicated support and personalized service for your home financing journey. We are here to make borrowers dreams a reality.

Welcome to the team Jamie, Scott, and Paul! ✨
https://myoc.io/



©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/08/2026

We’re proud to celebrate these exceptional Mortgage Consultants who earned a place in our 2026 Executive Club! 👏🏆 This reflects their dedication to delivering relentless service to homebuyers throughout the year.

Congratulations to all of our members! ✨
https://myoc.io/

©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/07/2026

A day on the course. A shared purpose beyond it. ⛳💙

We were proud to join fellow golfers, partners, and friends for a day of connection and community—all in support of a meaningful cause.

Thank you to the organizers, volunteers, and everyone who helped bring the day to life. Giving back is always time well spent.

Buying in a higher-rate market can call for a little creativity. A 2/1 temporary buydown gives buyers a planned payment ...
10/07/2026

Buying in a higher-rate market can call for a little creativity. A 2/1 temporary buydown gives buyers a planned payment runway:

🏠 Year One: Payment calculated using a rate 2 percentage points below the note rate.

🏠 Year Two: Payment calculated using a rate 1 percentage point below the note rate.

🏠 Year Three and beyond: The full note-rate payment applies.

The important detail? The mortgage’s actual note rate does not change. Funds set aside at closing subsidize the difference during the first two years, and the payment progression is established from the beginning.

When permitted, negotiated seller concessions may help fund this strategy. It will not fit every buyer or transaction, but it can be worth discussing when the numbers align.

Real estate colleagues, save and share this with buyers exploring their options! 💙



©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

When rates give buyers pause, it’s worth getting curious about your options. 🏡In markets where buyers have more room to ...
10/06/2026

When rates give buyers pause, it’s worth getting curious about your options. 🏡

In markets where buyers have more room to negotiate, seller concessions could help fund a 2/1 temporary buydown—providing some breathing room in your monthly budget as you settle into homeownership.

Here’s how it works:
• Year 1: Principal-and-interest payments calculated at a rate 2 percentage points below your loan’s fixed rate.
• Year 2: Payments calculated at a rate 1 percentage point below.
• Year 3 onward: Payments based on your loan’s full fixed rate.

The opportunity starts with a conversation about the whole picture: the home, the terms, and a payment that fits your budget beyond those first two years.

Wondering what this could look like for your purchase? Let’s run the numbers together.

Subject to loan program requirements and seller agreement. Temporary payment reductions do not change your loan’s fixed interest rate.



©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

The Fed makes headlines. Your homebuying plans deserve a closer look. 🏡Mortgage rates and the Fed’s policy rate don’t mo...
10/05/2026

The Fed makes headlines. Your homebuying plans deserve a closer look. 🏡

Mortgage rates and the Fed’s policy rate don’t move in lockstep. Inflation, bond markets, and expectations about the economy also influence mortgage rates—helping explain why the two lines on this chart follow different paths.

When higher borrowing costs cause some buyers to pause, those still shopping may find less competition and more room to negotiate.

The opportunity is in the whole picture: the home’s price, seller concessions, available financing options, and a monthly payment that fits your budget.

Let’s talk through what those pieces could mean for your next move.



©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

Appraisals are becoming more detailed, but a longer report doesn’t automatically mean there’s a problem. 🏡Beginning Nove...
10/02/2026

Appraisals are becoming more detailed, but a longer report doesn’t automatically mean there’s a problem. 🏡

Beginning November 2, 2026, Uniform Appraisal Dataset 3.6 will be required for applicable appraisal submissions. Buyers, sellers and real estate agents may notice more upfront questions about square footage, ADUs, renovations, property features and potential discrepancies.

The goal is a clearer, more consistent description of the property—and fewer surprises later in the process.

Have questions about what these changes could mean for your transaction? Connect with us today!



©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/01/2026

Celebrating these outstanding Mortgage Consultants whose dedication, determination, and commitment to being Relentless in Service have earned them a place in the 2026 Prosperity Club! 🏆💙

Congratulations to all of President’s Club honorees on this well-deserved achievement. Your hard work and commitment make a difference every day! 👏🎉

©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

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Weston, FL
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