Tracy Leddy at Prosperity Home Mortgage

Tracy Leddy at Prosperity Home Mortgage I am a Mortgage Consultant with Prosperity Home Mortgage NMLSR #1910668 PHM, LLC NMLSR #75164 NMLS Consumer Access @ 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?” 💙

📘 : 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.

08/28/2026

Some weekend plans come with a front door and a showing appointment. 🏡

If questions come up while you’re house hunting, we’re available to connect this weekend. Whether you want to explore financing options, update a preapproval, or prepare for your next step, reach out!

Recent research suggests many renters may be ruling themselves out based on outdated assumptions. 👀You may not need 20% ...
08/26/2026

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.

08/26/2026

CLEAR TO CLOSE! 🎉🏡🔑

Those are some of the best words you can hear when buying a home.

This is Milestone 5 of my 5 Certainty Checkpoints: Closing Certainty.

You’re almost at the finish line.

Once you’re Clear to Close, you can work with your attorney to finalize your closing date and time.

Behind the scenes, I’ll be coordinating with your attorney, the seller’s attorney, the title company and our PHM closer to help get everything buttoned up for closing.

My goal is to have your final Closing Disclosure and funds needed for closing ready about 72 hours in advance. With several parties involved, occasional delays can happen, but I’ll stay on top of the details and keep things moving.

On closing day, bring your photo ID and anything else your attorney requests.

You’ve made it through the process.

Now it’s almost time for the keys. 🏡🔑

That’s Closing Certainty.

Homebuyer Certainty Center - https://myoc.io/hsjRP7eXYfq

NMLSR ID #1910668
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

550 Pennsylvania Avenue
Glen Ellyn, IL
60137

Telephone

+16309564122

Website

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