Prosperity Home Mortgage

Industry: Real Estate

Business Size: 40+

Phone: 904-982-1081

Address:
4190 Belfort Rd. Ste. 475
Jacksonville, FL 32216

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About Prosperity Home MortgageWe're a national mortgage lender helping clients achieve the goal of home ownership. We're the 2025 JD Power award winner for best customer service in the country. I run the sales team across Florida with a focus on hiring, coaching, and developing loan officers.

What differentiates you from the competition?We have all the technology, programs, and products that the largest lenders in the country have. We pair that with the presence and relationship of small local banks and lenders.

What are your top selling services or products that your company offers?We offer free up-front underwriting to clients, a 30k close on time guarantee have our own appraisal panel, and all of our partners and processes are in house and controlled by us.

If you had one message to get across to future customers, what would it be?The market is a lot better than what people think. Equity in homes is at an all-time high, helping to insulate against seeing a repeat of the market crash in 2007. There are creative ways to make affordability much more approachable than you think.

What is the biggest marketing challenge that you will face in the upcoming year?People's perception about the market, where rates are, and the difficulty of buying a home in today's market. People still think a major crash is coming, rates are too high, and affordability is out of reach.

How is the current market affecting buying and selling trends?People’s perception is that the market is unstable, values are destined to see a drop, similar to 2007, rates are too high, and it’s difficult to get a loan.

What technologies are transforming the real estate experience?The ability to automate the review, and approval, of income and assets through on-line verification is simplifying the process for many. Automated appraisals and document collection are also helping to make things easier than ever!

How do you stay competitive in such a dynamic industry?Through personal relationships. While the world is more technologically advanced than ever, but that can also create an environment that lacks support and expertise. Having personal relationships, truly understanding someone’s goals and mentality, is how you make sure you help put them into the best loan, making it as stress free as possible, and accomplishing their goals.

What’s your approach to building long-term client relationships?Making sure that you don’t just know their business goals, you know about them personally. What are their current goals, life goals, and how can you help them accomplish both in your partnership together.

How do you navigate challenges like interest rate fluctuations?By leveraging all of the tools available. Higher rates can be offset by leveraging programs like ARMs, negotiating in the seller helping to buy down loan term rates, or even using short term rate buydowns to help ramp into the new payment.

What makes a property stand out to buyers today?One that’s move in ready or priced to help offset clients concerns of needing to come in and make improvements and impact their affordability and lifestyle.

What advice would you give first-time homebuyers or investors?Start early. Most people put off talking to a lender until they absolutely have to. Getting the conversation in early will help you understand how to get to the finish line as smoothly, and quickly, as possible, helps to identify, and offset, any concerns that could come up, and puts you in a position to strike quickly, and successfully, when you’re ready.

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