Prosperity Home Mortgage, MN

01/26/2026

📊 Mortgage Mondays: A good reminder that mortgage rates don’t move in lockstep with the Fed. Even as the Federal Funds Rate has come down, 30-year fixed rates have remained elevated, reflecting inflation expectations, bond markets, and investor risk—not just Fed policy.

Why this matters:
• Fed cuts ≠ instant mortgage relief
• Rate spreads can stay wider for longer
• Planning works best when everyone understand the why, not just the headline

Use this chart to help set expectations and ground conversations in how the mortgage market actually works.

01/26/2026

✨Starting your week with a spark of inspiration. Let’s make it a great one! 💪

08/08/2025

🔔 Rates just dipped to the mid-6% range—2025’s low so far—after July jobs rose only +73k and prior months were revised sharply lower. Markets now price a 94 % chance of a Fed cut in September. What that means for payments & pipelines ⤵️
https://bit.ly/4otSFbl

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.

07/16/2025

📊 More income sources = more opportunity.

Today’s homebuyers and homeowners don’t always fit in one financial box—and they shouldn’t have to. With Income Stacking, we combine multiple income types to help clients qualify with confidence.

✔ W2s
✔ 1099s
✔ Bank deposits
✔ Rental income
✔ Even assets

Creative qualifying and smarter solutions that meet you where you are. That’s the Path to Prosperity.

07/15/2025

🏎️ In F1, DRS gives you the edge.

In real estate? A fully underwritten pre-approval does the same.

It puts you ahead of the competition, fast-tracks your offer, and shows sellers you're serious.

At Prosperity, our HomeSURE Advantage program is like DRS for homebuyers—giving you more speed, more leverage, and fewer obstacles on your way to the finish line.

Advantage

Disclaimer: Not all borrowers will qualify. Equal Housing Lender. NMLS #75164.

07/14/2025

📉

📅 July 2025 rate predictions are in, so what’s the outlook?

Forecasts from across the industry suggest that mortgage rates may gradually decline into 2026, with some variance across projections.

🔑 Homebuyers: If you’re waiting for the “perfect rate,” remember, timing the market is tough. The right time is when it aligns with your goals, budget, and lifestyle.

🤝 Real Estate Pros: Use this insight to help guide your clients. Whether they’re buying now or planning ahead, knowledge is power—and we’re here to support you at every market turn.

Let’s walk the Path to Prosperity together.

07/11/2025

🏡 Ready to take your first (or next) step toward homeownership?

Start by knowing the 4 C’s of Qualifying for a Mortgage:
✨ Capacity – Can you handle the monthly payments?
✨ Credit – What’s your borrowing history?
✨ Capital – Do you have assets or savings?
✨ Collateral – What’s the value of the home?

Whether you're buying, refinancing, or helping a client close confidently, knowing the 4 C’s gives you a head start. And with Prosperity Home Mortgage as your guide, you won’t walk that path alone.

📩 DM us to start your journey.
🤝 Tag a real estate agent or homebuyer ready to take that next step!

07/09/2025

🏡 Growing family, growing needs?

When life expands, so should your space. Whether you're looking for that extra bedroom, a backyard to play in, or simply more room to breathe — we're here to help you find the mortgage that fits your new chapter.

✨ Your journey is unique. Let us guide you on your Path to Prosperity.

07/08/2025

📢 Timely updates. Clear guidance. Attention to detail. Communication that sets us apart. . 💙

07/07/2025

📊 Rents are up. Way up.
Over the last decade, rental units under $1,000 have dropped dramatically, while higher-end rentals ($2,000+) have surged. For many, renting is becoming less affordable and less sustainable.

🏡 Real Estate Pros: Use this as a conversation starter with renters who may be ready to make the leap into homeownership.

💬 Future Buyers: If rent is stretching your budget, it might be time to explore more stable options like building equity in a home of your own.

Let’s work together to turn rising rents into real opportunities.

03/09/2025

⏰ Time to Spring Forward! ⏰

Daylight Saving Time begins tonight—set those clocks ahead and prepare for the annual debate: Is it really necessary? 🤔 Either way, don’t be that person who shows up an hour early tomorrow! ⏳

03/08/2025

✨ Happy International Women’s Day! ✨

Today, we celebrate the resilience, leadership, and achievements of women everywhere. At Prosperity Home Mortgage, we’re proud to support homeownership, financial independence, and opportunities that help build a stronger future for all.

Here’s to breaking barriers, shaping communities, and ensuring every door is open to success. 💙🏡