Marc Kunen at Prosperity Home Mortgage

🏡✨ Stand out in today's competitive market with our HomeSURE Advantage! Buyers get a firm commitment, sellers receive well-qualified offers, and agents benefit from timely closings. Plus, our $30,000 On-Time Closing Guarantee adds extra peace of mind. Give yourself a and make your offer shine!

We are thrilled to introduce CompetitivEdge℠, designed to give home buyers, sellers, and real estate agents a significant advantage in the market. This innovative program is crafted to ensure smooth, secure, and timely transactions, providing unparalleled confidence to all parties involved. Reach out today to get the Edge!

CompetitivEdge℠ is Here! In the fast-paced and competitive world of real estate, having an edge can make all the difference. Prosperity Home Mortgage is thrilled to introduce CompetitivEdge℠, designed to give home buyers, sellers, and real estate agents a significant advantage in the market. This innovative program is cra...

Prosperity Home Mortgage puts our money where our mouth is with our CompetitivEdge On-Time Closing Guarantee! Secure $15,000 for your seller and $15,000 for your listing brokerage if we miss the mark (i.e. the loan does not close as-scheduled). Partner with a lender who stands behind their promise.

Be SURE you have the Edge when making a home offer. With Prosperity Home Mortgage's CompetitivEDGE program, you're HomeSURE Advantage approved and your offer is backed by our $30,000 On-Time Closing Guarantee. Secure your first home, next home, or dream home with confidence and stand out in today's market. With us, you're not just a buyer; you're a winner.

*Not all borrowers will qualify.

🔔 Market Update Alert! 🔔 Discover the latest trends in the housing market with our exclusive Market Update blog. 🏡📊 Learn about current mortgage rates, home price trends, and what to expect in the coming months. 📈💼 Don't miss out on expert insights that can help you make the best financial decisions.

Market Update - July 19, 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.

🔑 Ready for a Fresh Start? 🔑
Imagine a mortgage experience where you feel supported every step of the way. That's what you get with Prosperity. Our CEO, Justin Messer, says it best: "Choosing Prosperity means choosing a partner who is with you every step of the way. Our commitment to innovation and customer satisfaction sets us apart in the mortgage industry. We are here to help you achieve your homeownership goals with ease and confidence."

We’re here to turn your dreams into keys. With our dedicated team and innovative solutions, the path to your new home has never been clearer. Why wait? Let's make your homeownership journey unforgettable!

Discover the power of Prosperity Home Mortgage's Rate Rollback program! Enjoy rolling back rates like it's a time machine for your wallet and getting a lower interest rate for the first year without breaking a sweat. With our 1-0 Buydown, Prosperity Home Mortgage funds the interest rate reduction, offering you upfront savings and peace of mind—no seller concession needed!

Join us today and experience the Prosperity difference!

Discover the 🔑 Factors That Affect Your Home Loan Interest Rate! 🏡💰 Understanding these 7 key elements can help you secure the best mortgage rate and save money. 📉💡

Rate

Open houses on your schedule?
Here’s another pro tip: Have your pre-approval in hand! 📝 This way, you’re ready to make an offer if you meet your dream home at an open house.

For more open house etiquette, swipe through our carousel!

🔍We're back with another Terminology Tuesday! Our goal is to simplify the mortgage process with clear, understandable terms. This week, we're diving into Underwriting – one of the most fundamental steps in originating a mortgage! 🏡

Fire up your grill and get ready to enjoy our Signature PHM Burger! 🍔✨ Perfect for your next cookout, this burger is packed with flavors we think you'll enjoy. Whether you're a client, a real estate partner, or part of our PHM family, we want to see your burger creations too! Tag us and use to share. Wishing you a delicious and fun-filled weekend!

🏡 May 2024 REALTOR® Confidence Index Highlights! 🏡

Median existing-home price: $419,300
All-cash sales: 28% of transactions
First-time buyers: 31% of sales
Average time on market: 24 days
Empower your clients with the latest market insights! Partner with Prosperity Home Mortgage to stay ahead in this dynamic market.

📈 Let's work together to make homeownership dreams come true!

Source: NAR Research and nar.realtor

🏡💭 Should You Buy a Home Now or Wait? 🤔✨ Navigating the housing market can be challenging, but we're here to help! Let's weigh the pros and cons together and consider your unique situation.

Whether you're ready to take the plunge or prefer to wait, we’ll provide the insights and guidance you need to make the best decision.

Focus on Time in the Market, Not Timing the Market Should you buy a home now or should you wait?

A home is so much more than just a roof over your head. It's an asset that grows in value over time, boosting your net worth.

"Homeownership has long been tied to building wealth - and for good reason. Instead of throwing rent money out the window each month, owning a home allows you to build home equity. Over time, equity can turn your mortgage debt into a sizeable asset." - Realtor.com

For the 12th year in a row, real estate has been voted the best long-term investment. 📈✨

Understanding homebuying grant programs can be overwhelming, but you're not alone. With over 2,000 down payment assistance programs available across the country, Prosperity Home Mortgage is here to guide you every step of the way. Discover how we can help you navigate these options and secure the support you need for your dream home.

🏠✨ Maintaining your home is easier than you think! Discover practical tips to streamline upkeep and ensure your home stays comfortable and ready for summer fun. From simple maintenance tasks to efficient upkeep strategies, we've got you covered. Swipe through for some summer-savvy homeowner tips! 🌞💡

Cheers to the first day of summer and all the sweet moments it brings! 🍦 Whether you’re enjoying an ice cream cone or dreaming about your perfect home, summer is the season for new beginnings. We’re here to help you find a home you'll love. What’s your favorite summer memory or dream home feature? Share with us in the comments!

Wishing you could roll back interest rates?🌠 We've got you covered.
Our Rate Rollback program lowers your interest rate and monthly payments for the first year of homeownership!

You can use this throwback to step into your dream home with ease. Ready to get started? Contact us today!

ICYMI: 🏡📈 The latest FHFA House Price Index report for Q1 2024 shows owning a home continues to be a strong investment! U.S. house prices surged by 6.6% from Q1 2023 to Q1 2024, with a notable 1.1% increase over Q4 2023 alone. Since 1991, home values have tripled, showcasing remarkable long-term growth in the housing market. 📊

This data highlights the resilience and dynamism of the U.S. housing market. For homeowners, it's a clear indicator of building equity. For prospective buyers, it’s a call to understand market dynamics and make informed decisions.

At Prosperity Home Mortgage, we're committed to keeping you informed and prepared amidst these trends. Whether you're considering buying, refinancing, or just curious about the market, understanding these changes is essential for making the best choices for your future.

Let's hear from you: How do these rising home prices impact your plans for 2024? Drop your thoughts in the comments below! ⬇️

💎 Discover the 4 C’s of Qualifying for a Mortgage! Understanding Capacity, Capital, Collateral, and Credit is key to unlocking your dream home. Whether you're a homebuyer or a real estate partner, this knowledge is your ultimate asset. Share this post to help others shine bright in their home-buying journey! ✨🏡

🌟 Big News for Real Estate Agents! 🌟

Starting August 10th, the VA is lifting the ban on agent commissions for VA loan transactions! This update, stemming from the NAR settlement, is a game-changer for both our VA homebuyers and our agent partners. 🙌

What You Need to Know:

✅ Effective Date: August 10th

✅ Veterans can now pay reasonable commissions and broker fees

✅ Sellers can still pay buyer-broker fees without it counting as a seller concession to the buyer

✅ More updates to come as the VA reviews regulations

Have questions? We’re here to help. Let’s navigate these changes together and keep moving forward! 💪