Melissa Taka Kershner at Prosperity Home Mortgage

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!

5.0 star review received on Experience.com for Melissa Taka Kershner by Ashley C - When we met with Melissa the first time I was really nervous and doubtful, but she led us through the whole process and answered any questions we received. She also got us the best deal and gave us contacts to people experienced who also helped us through this journey. Honestly I couldn't of asked for a better mortgage lender.

New ★★★★★ 5 Star Experience.com Review by Ashley C Click to see all 126 reviews of Melissa Taka Kershner at Prosperity Home Mortgage - Bellevue, Mortgage Consultant | NMLS # 1509845

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 Melissa Taka Kershner by Corey C - Melissa helped us every step of the way. It being our first home we had no idea what we were doing and she made sure we always had a grasp on the next step.

New ★★★★★ 5 Star Experience.com Review by Corey C Click to see all 125 reviews of Melissa Taka Kershner at Prosperity Home Mortgage - Bellevue, Mortgage Consultant | NMLS # 1509845

💎 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! ✨🏡

♥🤍💙Embracing the Spirit of Freedom and Unity on Flag Day! ♥🤍💙

At Prosperity Home Mortgage, we believe in celebrating the values that unite us all. This Flag Day, we want to see how you proudly display your flag! Whether it's on your porch, in your yard, or at a special event, show us your flag-flying pride.

📸 Share your photos and stories with us in the comments below! How do you fly your stars and stripes?

🌟 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! 💪

🌟 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 VA buyers and agents. 🙌

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! 💪

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.

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. 🗝️💙

🌈 Celebrating Pride and Prosperity For ALL! 🌈 At Prosperity Home Mortgage, we stand as an Equal Opportunity Lender, dedicated to making the dream of homeownership accessible to everyone, regardless of who you are or who you love. This Pride Month, we're proud to support the LGBTQ+ community and reaffirm our commitment to inclusivity and fairness in lending. 🏠💖

🏠 Ready to embark on your homebuying journey? Here are some unconventional but essential tips for first-time homebuyers to keep in mind! ✨

1️⃣ Test Drive Your Commute: Avoid daily traffic surprises by driving your potential new commute during peak hours.

2️⃣ Measure Your Furniture: Bring a measuring tape to ensure your furniture fits perfectly in the new space. Avoid moving day surprises and plan your layout in advance for a stress-free move.

3️⃣ Check Cell Signal Strength: Ensure strong cell signals in all rooms for a connected home life.

4️⃣ Check Out the Trash Day Scene: Visit the neighborhood on trash day to gauge the community’s cleanliness and organization.

is here to support you every step of the way! 🗝️🏡

Which tip do you find the most surprising? Let us know in the comments! 👇

Exciting news for veterans, just in time! 🏡 The VA has recently updated their policies, allowing buyers to contribute to buyer-side agent commissions, helping you remain competitive in today's housing market. With the VA Home Loan Advantage, we're honored to help those who served secure their dream home.