Meredith Medvec at Prosperity Home Mortgage

Meredith Medvec at Prosperity Home Mortgage I am a Mortgage Consultant with Prosperity Home Mortgage NMLSR #1020414
Prosperity Home Mortgage NMLSR #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 48 jurisdictions including: Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, 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/)

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?” 💙

09/09/2026

Are you waiting to buy a house because you're hoping mortgage rates will come down?
Let’s clear that up!”
I completely understand why you might want to wait for a lower rate.
But here’s the thing—none of us has a crystal ball.
If rates come down, that’s great!
But if rates come down, there’s a good chance more buyers could jump back into the market, which could mean more competition and potentially higher home prices.
And here’s something else I want you to think about:
You can potentially refinance a mortgage rate in the future.
But you can’t refinance the price you could have bought that house for today.
So instead of trying to competitively time the market, let’s look at YOUR numbers.
What can you comfortably afford?
What does your payment look like?
And does buying now make sense for your financial situation?
There isn’t one right answer for everyone.
The goal isn’t to predict the market—the goal is to make a smart decision for YOU.
And that’s mortgage myth number two…cleared up!”

📘 : 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 REALTORSÂŽ 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.

09/04/2026

Think you need 20% down to buy a home?
Let’s clear that up!
This is one of the biggest misconceptions I hear from buyers.
The truth is, 20% down is NOT a requirement for many mortgage programs.
Depending on your situation, there are options that allow you to purchase with significantly less money down.
And here’s the part I really want you to remember:
putting 20% down isn’t automatically the best financial decision either.
Your ideal down payment depends on your loan program, your monthly payment goals, your available cash, and how much you want to keep in reserves.
So before you spend years trying to save 20%…talk to a lender and find out what options actually make sense for YOU.
That’s mortgage myth number one—cleared up!

09/03/2026

So, what happens if Florida voters approve this?
November 3, 2026 is the day to vote. 60% say YES, the amendment passes. January 1st, 2027 $150K exemption. January 1, 2028 $250K exemption.
Keep in mind the amendment has additional provisions beyond the exemption, including the treatment of non-homestead assessments.

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. ⬇️

09/02/2026

Realtors, if you’re working with buyers in Florida, I want you to pay attention to this.
Don’t promise a specific tax savings.
Don’t assume the buyer’s future tax bill will be based on the seller’s current tax bill.
Don’t use the proposed exemption as a reason to tell a buyer they can afford a higher purchase price.
Your buyer’s property taxes are part of their qualifying payment, so we need to look at the actual property and make a reasonable estimate.
If you’re a Florida buyer or Realtor and you want me to run through how this could affect a specific property, send me the address. Let's look at the numbers-not the headlines.

Address

3627 St. Johns Avenue
Jacksonville, FL
32205

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