Randall Fowlkes at Prosperity Home Mortgage

Randall Fowlkes at Prosperity Home Mortgage I am a Mortgage Consultant with Prosperity Home Mortgage
NMLSR #747059
Prosperity Home Mortgage NMLS #75164

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.

Same house. Three different numbers. 🏠🤔🏷️ List price is what the seller is asking.✍️ Offer price is what the buyer propo...
09/09/2026

Same house. Three different numbers. 🏠🤔

🏷️ List price is what the seller is asking.

✍️ Offer price is what the buyer proposes to pay. It can move through negotiations, and once accepted, it becomes the purchase price.

📋 Appraised value is an independent professional opinion of the home’s value that helps the lender evaluate the property.

Sometimes all three numbers line up nicely. Sometimes they do not. If the appraisal comes in below the purchase price, it can affect financing and spark more conversations about the price, available funds or contract options.

Real estate colleagues, share this with your buyers before the numbers start flying! 💙



NMLSR ID #747059
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/).

Same word. Three very different jobs. 🏠🛡️🏡 Homeowners insurance helps cover the home and belongings after certain covere...
09/09/2026

Same word. Three very different jobs. 🏠🛡️

🏡 Homeowners insurance helps cover the home and belongings after certain covered losses or damage.

📜 Title insurance addresses certain ownership or title problems connected to the property’s past. A lender’s policy protects the lender, while an owner’s policy protects the homeowner.

💰 Mortgage insurance protects the lender if the borrower stops making payments. Whether it is required depends on the loan program, down payment and other factors.

All three may come up during the homebuying process, but they are definitely not interchangeable.

Real estate colleagues, save and share this before your buyer asks, “Wait, which insurance is this again?” 💙

Recent research suggests many renters may be ruling themselves out based on outdated assumptions. 👀You may not need 20% ...
09/09/2026

Recent research suggests many renters may be ruling themselves out based on outdated assumptions. 👀

You may not need 20% down, a high credit score, or zero debt to buy a home. Requirements vary, and lenders consider your full financial picture.

Before you count yourself out, talk with a Mortgage Consultant. You may have more options than you think.



NMLSR ID #747059
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/).

📘 : Let’s talk credit.Your credit profile is made up of more than just a score. How much available credit you’re using,...
09/08/2026

📘 : Let’s talk credit.

Your credit profile is made up of more than just a score. How much available credit you’re using, the accounts on your report, and when your credit is reviewed can all be part of the bigger picture.

This week, we’re breaking down three terms worth knowing: Credit Utilization, Tradelines, and Credit Inquiries.

👉 Swipe through for a quick credit vocabulary refresh—and save this one for later!

Have questions about how credit factors into the mortgage process? Get in touch with us to learn more.

Today, we celebrate the hard work, dedication, and people who keep our communities moving forward. However you’re spendi...
09/07/2026

Today, we celebrate the hard work, dedication, and people who keep our communities moving forward. However you’re spending the long weekend, we hope you find time to relax, recharge, and enjoy the place you call home. 🏡

Happy Labor Day from all of us at Prosperity Home Mortgage!

September is REALTOR® Safety Month, and it’s an important reminder that preparedness belongs at every point of the clien...
09/04/2026

September is REALTOR® Safety Month, and it’s an important reminder that preparedness belongs at every point of the client journey. Verify who you’re meeting, keep others informed, stay aware of your surroundings, and always trust your instincts.

Supporting the REALTORS® we work with means caring about more than the transaction.

Your client. Your relationship. Your safety matters.

Save this carousel, share it with a real estate professional you care about, and take a moment to review the safety habits you rely on every day.

If you had one extra garage bay, what would you turn it into? 👀A workout zone for early-morning energy and at-home conve...
09/02/2026

If you had one extra garage bay, what would you turn it into? 👀

A workout zone for early-morning energy and at-home convenience 💪
or a home workshop for projects, tools, and creative weekends 🛠️

Vote 1 or 2 below—and tell us what your dream garage setup would include. ⬇️

Long before the closing table, there are questions to answer, details to review, challenges to solve, and people working...
09/01/2026

Long before the closing table, there are questions to answer, details to review, challenges to solve, and people working behind the scenes to keep each loan moving forward.

September is National Mortgage Professional Month, and we're proud to be part of a profession built on service, care, and follow-through. Here’s to every mortgage professional who shows what Relentless in Service looks like and helps finance the dream of home ownership. 🏡

The closing table is an important milestone, but our commitment to homeowners does not stop there.HomeServices of Americ...
09/01/2026

The closing table is an important milestone, but our commitment to homeowners does not stop there.

HomeServices of America and Prosperity Home Mortgage are adding mortgage servicing capabilities designed to create greater continuity beyond closing and throughout the life of the loan. It is another way to keep trusted relationships at the center of the homeownership experience.

From the first conversation to what comes next, we’re Relentless in Service. And now, we’re Relentless in Servicing, too.

Mortgage Mondays 📈Rates are still elevated, but improving inventory is giving buyers something they haven’t had as much ...
08/31/2026

Mortgage Mondays 📈

Rates are still elevated, but improving inventory is giving buyers something they haven’t had as much of in recent years: negotiating power.

That could mean opportunities around price, seller concessions, and payment strategies — especially for buyers who are prepared to act when the right home comes along.

The market doesn’t have to be perfect for the opportunity to be right.

Address

550 Pennsylvania Avenue
Glen Ellyn, IL
60137

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16303999291

Website

Alerts

Be the first to know and let us send you an email when Randall Fowlkes at Prosperity Home Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Randall Fowlkes at Prosperity Home Mortgage:

Shortcuts

Share

Category