Rich Hoskins at Prosperity Home Mortgage

🏡💭 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?

5.0 star review received on Experience.com for Rich Hoskins by Kirsten K - Rich was friendly and informative, communicative, responsive, and answered all of my questions. I appreciated that he's down to earth. Just a generally nice guy.

New ★★★★★ 5 Star Experience.com Review by Kirsten K Click to see all 125 reviews of Rich Hoskins at Prosperity Home Mortgage - Southampton, Mortgage Consultant | NMLS # 137145

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! 🌞💡

5.0 star review received on Experience.com for Rich Hoskins by Jeremy P - The prompt communication, the updates, the explanation of documents, professionalism, and the patience

New ★★★★★ 5 Star Experience.com Review by Jeremy P Click to see all 124 reviews of Rich Hoskins at Prosperity Home Mortgage - Southampton, Mortgage Consultant | NMLS # 137145

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!

5.0 star review received on Experience.com for Rich Hoskins by Jena P - The process was easy and seamless from day 1. Great experience overall!

New ★★★★★ 5 Star Experience.com Review by Jena P Click to see all 123 reviews of Rich Hoskins at Prosperity Home Mortgage - Southampton, Mortgage Consultant | NMLS # 137145

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! ⬇️

5.0 star review received on Experience.com for Rich Hoskins by Caroline C - Our entire home buying process was stress free. Rich and the entire team were extremely knowledgeable and helpful every step of the way. Couldn’t recommend them enough!

New ★★★★★ 5 Star Experience.com Review by Caroline C Click to see all 122 reviews of Rich Hoskins at Prosperity Home Mortgage - Southampton, Mortgage Consultant | NMLS # 137145

💎 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! 💪

5.0 star review received on Experience.com for Rich Hoskins by Kristine U - Rich is very detailed and timely.

New ★★★★★ 5 Star Experience.com Review by Kristine U Click to see all 121 reviews of Rich Hoskins at Prosperity Home Mortgage - Southampton, Mortgage Consultant | NMLS # 137145

From Bank Statement Loans to DSCR Investor Loans, we've got a mortgage solution to fit your unique needs. Whether you're self-employed, a property investor, or a foreign national, our flexible loan options are designed to help you achieve your homeownership goals.

🌟 Flex Access+ Loans:

Bank Statement Loan
Bridge Loan
Non-Warrantable Condo Loan
DSCR Investor Loan
Foreign National Loan
ITIN Loan
Asset Qualifier Loan
Cross-Collateral Loan

Discover more at Prosperity Home Mortgage. Your path to homeownership just got simpler!

Not all borrowers will qualify. Terms and conditions apply.

5.0 star review received on Experience.com for Rich Hoskins by Linda A - Rich kept my client and myself informed at every stage of the loan process. He is very knowledgeable and answered all of my client's and my questions. Rich is very easy to work and professional.

New ★★★★★ 5 Star Experience.com Review by Linda A Click to see all 120 reviews of Rich Hoskins at Prosperity Home Mortgage - Southampton, Mortgage Consultant | NMLS # 137145

4.83 star review received on Experience.com for Rich Hoskins by Timothy B - Rich always kept in touch and kept me in the loop.

New ★★★★★ 4.83 Star Experience.com Review by Timothy B Click to see all 119 reviews of Rich Hoskins at Prosperity Home Mortgage - Southampton, Mortgage Consultant | NMLS # 137145

Stay ahead with the latest insights from our mortgage experts with our Market Update blog! Discover how current trends are influencing mortgage rates and real estate markets. 📉📊

🔍 Key points:

Mortgage rates remained steady
Economic factors affecting rates
International rate cuts and their impact
Get the full update below!

Market Update - June 7, 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.

🏡✨ Reminder! The Family Opportunity Mortgage by Fannie Mae is here to help your loved ones achieve homeownership! ✨🏡

Perfect for aging parents or disabled adult children, this program offers:

Financing for Primary Residences
Down payments of as little as 5%
No distance requirements like 2nd homes

Want to know more? We are ready to guide you. Comment below or DM us to start the conversation! 💬👇

June is National Homeownership Month! 🏠✨ This month, our Terminology Tuesday posts will focus on the POWER of Homeownership. Join us as we explore the many benefits of owning a home, from building economic stability and fostering community engagement to achieving personal pride. You can celebrate with us too and discover how Prosperity Home Mortgage can help bring your homeownership goals into focus!

📅 June is National Homeownership Month! 🏡✨ At Prosperity Home Mortgage, we celebrate the joy, pride, and stability that homeownership brings. Whether you're a first-time buyer or looking to refinance, our team is here to guide you every step of the way. Let's make your homeownership dreams a reality. 🗝️💙

5.0 star review received on Experience.com for Rich Hoskins by Hasanna M - Rich was always there to help if I had any questions. Always thorough and made my first time buying a home super easy.

New ★★★★★ 5 Star Experience.com Review by Hasanna M Click to see all 118 reviews of Rich Hoskins at Prosperity Home Mortgage - Southampton, Mortgage Consultant | NMLS # 137145