Sophy Kdep at Prosperity Home Mortgage, LLC

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Sophy Kdep at Prosperity Home Mortgage, LLC I am a Mortgage Consultant with Prosperity Home Mortgage NMLSR #560609
Prosperity Home Mortgage NMLS #75164

Sophy Kdep has over 20 years of experience in the mortgage industry. She is committed to providing a proactive and friendly service from application to closing whether you are a first-time homebuyer purchasing a new home, looking to downsize, or refinancing your current home. Sophy works towards exceeding expectations by working closely with her clients as well as agent partners to create an easy and relaxing experience during the home buying process. Sophy has been a resident of Boone County for over 26 years with her husband and dance partner, Jason. They have two daughters, 12 and 14 years old who are active in karate, dance, soccer, and cheer. They all love to dance, travel, and anything active outdoors. Prosperity Home Mortgage, LLC, a wholly owned subsidiary of The Long & Foster Companies, is a full service mortgage banker that specializes in residential and refinance loans. Prosperity Home Mortgage offers a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, construction loans and renovation financing. Our company is represented by more than 500 mortgage consultants throughout 47 jurisdictions including: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming. NMLS ID #75164 (NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) Not all borrowers will qualify.

An extra hour? We’ll take it! ⏰ Daylight Saving Time ends tonight, so remember to set any manual clocks back one hour be...
10/31/2026

An extra hour? We’ll take it! ⏰ Daylight Saving Time ends tonight, so remember to set any manual clocks back one hour before bed.

Here’s to a little more time to rest, recharge, and enjoy home. 🍂🏡
https://myoc.io/eha8hjFeoLW



NMLSR ID #560609
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/31/2026

Porch lights on. Pumpkins glowing. Neighbors making memories. 🎃👻Here’s to the little traditions that make a neighborhood...
10/31/2026

Porch lights on. Pumpkins glowing. Neighbors making memories. 🎃👻

Here’s to the little traditions that make a neighborhood feel like home. Wishing you a safe and happy Halloween, filled with sweet treats and a few friendly frights!

📊 The Fed hit pause. The housing market didn’t.With sellers outnumbering buyers, affordability challenges continuing, an...
10/30/2026

📊 The Fed hit pause. The housing market didn’t.

With sellers outnumbering buyers, affordability challenges continuing, and seasonal opportunities beginning to emerge, the housing market is giving real estate professionals plenty to talk about.

🏡 This week’s Market Update explores the latest mortgage rate trends, economic developments, and shifting market dynamics that could shape the weeks ahead.

Because national headlines only tell part of the story. Understanding what’s happening locally is where opportunity begins. 📍

🔗 Catch up on this week’s insights:
https://www.phmloans.com/blog-article/market-update-october-30-2026
https://myoc.io/eha8hjFeoLW/5Yw4j

Appraisal reports are getting a major update. 👀🏠Beginning November 2, the industry moves to UAD 3.6 for new conventional...
10/28/2026

Appraisal reports are getting a major update. 👀🏠

Beginning November 2, the industry moves to UAD 3.6 for new conventional appraisal reports submitted to UCDP. The redesigned report uses more structured, standardized property information, which may mean greater detail around:

📐 Square footage and measurements
🏡 ADUs, additions and converted spaces
🔨 Renovations, updates and property features
📸 Photos, condition and potential discrepancies

A longer report does not automatically mean something is wrong. The new format does not create property issues. It may simply make existing details more visible and consistent.

Sellers and real estate colleagues can help by sharing permits, plans, renovation history, accessory-unit information and any known differences between listing and public-record square footage as early as possible.

More detail. Fewer surprises. 💙

Behind every emergency call are people ready to help.This First Responders Day, we honor the firefighters, law enforceme...
10/28/2026

Behind every emergency call are people ready to help.

This First Responders Day, we honor the firefighters, law enforcement officers, EMTs, paramedics, and dispatchers who serve our communities with courage and compassion.

From all of us at Prosperity Home Mortgage, thank you for answering the call and helping keep our neighbors safe. 💙

🏡 Your next chapter doesn't have to wait for your current home to sell!Found the perfect next home but haven't sold your...
10/27/2026

🏡 Your next chapter doesn't have to wait for your current home to sell!

Found the perfect next home but haven't sold your current one yet? You may have more options than you think. 🔑

With our Path to Prosperity financing solutions, qualified buyers may be able to purchase their next home without selling first—even making a non-contingent offer!

💡 Less pressure to time two transactions perfectly. More flexibility to make your next move.

Because on your Path to Prosperity, the right financing strategy can open doors you didn't know were possible.



NMLSR ID #560609
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

The mortgage rate is one number. The opportunity depends on the whole picture. 🏡Small investors accounted for approximat...
10/26/2026

The mortgage rate is one number. The opportunity depends on the whole picture. 🏡

Small investors accounted for approximately 14.5% of home purchases in August, up from 13.6% a year earlier—even as higher rates remained part of the equation.

For someone considering a rental property, local demand, purchase price, ongoing expenses, and financing all deserve a closer look. Those details can vary from one neighborhood to the next.

That’s where local perspective matters. We're here to help you explore financing options alongside the market insights your real estate agent brings to the table.

Considering your first investment property or your next one? Let’s talk through the numbers and how they fit your long-term goals.



NMLSR ID #560609
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

A little more breathing room in your pocket during year one? That’s the idea behind Rate Relief+. We provide the lender ...
10/23/2026

A little more breathing room in your pocket during year one? That’s the idea behind Rate Relief+. We provide the lender subsidy for an eligible 1-0 temporary buydown, lowering your interest rate by one percentage point—and your monthly payment—during the first year.

Want to see how it could fit your plans? Contact us. Available on eligible fixed-rate purchase loans. Eligibility and program requirements apply. A buydown may not be right for every borrower.

NMLSR ID #560609
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

Great Scott! If your house hunt took you back to 1985, you’d find smaller price tags, double-digit mortgage rates, and n...
10/21/2026

Great Scott! If your house hunt took you back to 1985, you’d find smaller price tags, double-digit mortgage rates, and no saved searches on your phone. ⚡🏡

Today, we can tour homes from the couch and upload mortgage documents without firing up a fax machine. Still waiting on those flying cars, though.

But lower rates than the ’80s don’t automatically mean a lighter monthly payment. Home prices, income, down payment, taxes and insurance all help shape what fits your budget.

Every decade has its homebuying challenges. The goal is to build a plan for the market—and the life—you’re in!

Connect with us to explore your options. No DeLorean required.



NMLSR ID #560609
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

Address

60 Cavalier Boulevard
Florence, KY
41042

Opening Hours

Monday 10am - 6pm
Tuesday 10am - 6pm
Wednesday 10am - 6pm
Thursday 10am - 6pm
Friday 10am - 6pm
Saturday 12pm - 4pm
Sunday 1pm - 4pm

Telephone

+18598165626

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