Eric Spottswood at Prosperity Home Mortgage

📊Market Update!📈 Ready to see how current trends are impacting the housing market? Our latest blog has all the insights you need to stay ahead. Whether you're a buyer, seller, or just curious, this is your chance to dive in and get the latest info on rates and housing news. Click to learn more! 🏡💼

Market Update - September 13, 2024 This Market Update is written by our Capital Market specialists each week to bring you insight into what's happening in the market and how it may affect mortgage rates and real estate trends.

On this Patriot's Day, we honor the lives lost on 9/11, and the heroes who emerged that day. At Prosperity Home Mortgage, we stand united in remembrance and are committed to supporting the dreams of those who serve our nation.

This , we’re breaking down the details on government-backed loans. Whether you're a first-time buyer, veteran, or looking in a rural area, FHA, VA, and USDA loans might be your ticket to homeownership! 🎫

Plus, did you know our CompetitivEdge program is available for eligible FHA and VA loans too? 🏡✨

Got questions? Our team at Prosperity Home Mortgage is ready to guide you through the process. Let’s turn your homeownership dreams into reality!

💼 CompetitivEdge: The $30K On-Time Closing Guarantee That Seals the Deal! 🔑🏡

In Bristow, VA, our $30K On-Time Closing Guarantee* made all the difference. When sellers saw our borrower's offer backed by CompetitivEdge, they felt it was a sure bet. It’s more than just a loan—it's the confidence that comes with knowing your deal will close on time, or we’ll pay the sellers $15K and the listing brokerage $15K.

Ready to make your offer stand out? Let’s put CompetitivEdge to work for you!

It's National Food Bank Day

📦🍞🍅🥔🥕🥫

At Prosperity Home Mortgage, our commitment goes beyond just providing home financing solutions. We believe in the power of community, and today, on National Food Bank Day, we want to shine a light on the importance of giving back.

Food banks play a vital role in supporting families and individuals facing food insecurity. By donating to your local food bank, you're helping to nourish not just bodies, but also the spirit of your community.

How You Can Help:

Donate: Whether it's non-perishable food items or a monetary contribution, every bit helps.

Volunteer: Your time is valuable! Consider volunteering at your local food bank or food drive.

Spread the Word: Share this post to encourage others to get involved.

We're proud to support local initiatives that make our communities stronger. Together, we can make a difference!

💸 Introducing Investor CashStream: Boost Your Investment Potential!

Whether you're a seasoned real estate investor or just starting to build your portfolio, cash flow is key. That’s why we’re excited to bring you Investor CashStream—our new loan product designed with your financial growth in mind.

Enjoy a 10-year interest-only period on a 30-year fixed term, helping you to keep your cash flow strong while expanding your investment horizons. With competitive rates, flexible loan options, and loan amounts from $250K to $1.5M, Investor CashStream is ideal for 1-4 unit investment properties, PUDs, and eligible condos.

Ready to take your investment strategy to the next level? Let’s make it happen together!



*The Investor Cash Stream product may not be suitable for all borrowers. The terms and conditions of this loan program are established by an independent third party. Prosperity Home Mortgage, LLC does not offer financial advice. This information is provided for informational purposes only and does not constitute legal, tax, or financial advice.

Make your next move with confidence using CompetitivEdge—a suite of services we designed to give you an edge in the homebuying process. 🏡📦🚚

From a fully underwritten pre-approval to an on-time closing guarantee, we've got you covered. Connect with us to see how CompetitivEdge can work for you.

🏡🔑 In the hustle and bustle of today’s market, your safety is just as important as closing the deal. Let’s keep those smiles bright and the transactions smooth—because a safe agent is a successful agent! We’re here to support you every step of the way. 💙

Our CompetitivEdge program isn't just about closing deals—it's about doing it right and on time. With our $30K on-time closing guarantee*, we made all the difference for this Overland Park buyer. Ready to experience the same competitive edge in your home buying journey? Let’s get started!

🏠 Market Momentum: In July, homes sold in just 24 days on average, with 24% of sales above list price. Despite a slight dip in offers, buyer confidence nudges up—proof that even in a competitive market, there's still room to make your move. 💪✨

Experience the Prosperity Difference: At Prosperity Home Mortgage, we’re not just about loans; we’re about lasting partnerships. 🏡 We combine unparalleled client service with a broad range of tailored programs and the deep industry knowledge necessary to navigate any market. Connect with us and discover how our dedication to excellence makes your homebuying journey uniquely secure and satisfying. Prosperity isn’t just our name; it’s our goal for everyone.

📉🏠 "Rates are on the move, competition is heating up! Buyers & Sellers, August has some key moves for you. Stay ahead of the game ➡️ Read now!"

August 2024 Market News: What Buyers and Sellers Need to Know Mortgage rates have fallen below 6.5%, offering a rare opportunity for both buyers and those looking to refinance. This drop, driven by softer employment data and economic uncertainty, has sparked a surge in refinancing activity, which rose by 35% over the past week. If you’re considering buying, ...

Ready to make a move? 🏠 Our CompetitivEdge programs are packed with something for everyone – buyers, sellers, and agents! Whether it’s the HomeSURE Advantage fully underwritten commitment letter 📦 or our $30,000 On-Time Closing Guarantee 💼, we’ve got all the right tools to help you stack up a successful home offer. Let’s get moving! 🚚💨

🏠 Curious about what’s happening in the housing market? Our latest Market Update breaks down the August 2024 trends— rate trends to what’s hot in real estate. It’s a must-read for anyone looking to stay ahead of the curve! 📊 Dive in and get the inside scoop from the experts here at Prosperity.

Market Update - August 16, 2024 This Market Update is written by our Capital Market specialists each week to bring you insight into what's happening in the market and how it may affect mortgage rates and real estate trends.

Stay ahead of the curve! 🏡 With the NAR settlement rules going into effect and shaking up commission models, our Seller Concessions Quick Guide is here to help keep deals on track.

🏡 Unlock the Power of HomeSURE Advantage! 🗝️

Looking for a game-changer in your home buying journey? 🏠 Discover how our HomeSURE Advantage program offers secure financing upfront, stronger offers, and faster closings! 🔥 Whether you’re a buyer, seller, or an agent, this fully underwritten pre-approval is your key to confidence and ease in today’s market. 💪

Ready to make your home dreams a reality? ✨ Learn more about how HomeSURE Advantage can work for you! 📈

*Not all borrowers will qualify.

Why HomeSURE Advantage Gives You the Edge in Today’s Real Estate Market In today’s competitive real estate market, securing financing quickly and confidently is key. Buyers, sellers, and agents alike need assurance that transactions will proceed smoothly and without unexpected complications. That’s why Prosperity Home Mortgage is proud to introduce the HomeSURE Adva...

🔑🔒🏡 Unlock the CompetitivEdge!

Whether you're a homebuyer ready to secure your dream home or a real estate agent aiming to close deals quickly and confidently, the HomeSURE Advantage is your go-to!

Solid offers, HomeSURE approved!
Underwritten loan commitment
Ready to buy TODAY!
Expedited loan decisions to keep you ahead.
$30,000 On-Time Closing Guarantee: If we miss the closing date, we pay the seller and listing brokerage $15,000 each!*
🔍 Only available on specific loan types – connect with us for all the details!

Start your homebuying journey with confidence and give your offers the CompetitivEdge they need!

*Restrictions apply. Contact us to learn more.

💼🔑 Sure, you're pre-approved, but ARE YOU HomeSURE? With our HomeSURE Advantage, you’re not just pre-approved—you’re prepped for success. Homebuyers, agents, and sellers all benefit from stronger offers, faster closings, and fully underwritten commitment letters upfront! It's more than just a pre-approval; it’s your in the market.

📉 Lowest Mortgage Rates in Over a Year! 📉

Great news for homebuyers and those looking to refinance! Rates have dipped to their lowest levels since April 2023, making it the perfect time to kickstart or restart your home search. 🌟

If you paused your home search when rates went up, now is the time to jump back in. And if you're considering refinancing, this is your chance to secure a lower rate.
Get preapproved* today and take advantage of these incredible rates! 🏡🔑

*Not all borrowers will qualify.

Ready to stand out in today's competitive market? 🏠💼 CompetitivEdge is designed to give you a real edge, whether you're buying your dream home or working with clients to secure theirs. Discover the power of , the certainty of HomeSURE Advantage, and the peace of mind with our $30K On-Time Closing Guarantee. These aren't just products—they're our commitment to you.

Swipe through to learn more about how these programs can make all the difference in your homebuying journey! 🌟

The June Realtors® Confidence Index is in! 🏠✨ Median Existing Home Price: $426,900. All-cash sales made up 28% of transactions, and 29% of homes sold above list price. Homes are flying off the market, within an average of just 22 days! The housing market remains hot—what do you think this means for the rest of 2024? 📊

🌌🛰 Step into the CompetitivEdge universe where Refine Your Rate joins the lineup! Experience the power of HomeSURE Advantage solid offers, a $30,000 On-Time Closing Guarantee, and the unique opportunity to refinance at a later date without paying a loan origination fee. Prosperity Home Mortgage makes your homebuying journey more than just a one-time transaction — we're Your Forever Lender!