Michele Harman at Prosperity Home Mortgage

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/d0MbuwifCJz



NMLSR ID #1404062
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

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!

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/d0MbuwifCJz/myjdn

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. 💙

10/28/2026

5.0 star review received on Experience.com for Michele Harman by Isidro T - Michele and her team were very helpful and were available for assistance whenever we needed them! 10/10

Read more: https://experience.com/reviews/michele-harman-258067/fba5cc53-994a-4103-a371-7d58a0dc6138?V=1793205235&utm_source=facebook&utm_medium=autopost&utm_content=13786348

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. 💙

10/27/2026

5.0 star review received on Experience.com for Michele Harman by LaVon H - Michelle went over and explained everything in

Read more: https://experience.com/reviews/michele-harman-258067/576cde9a-19ba-4119-b1d5-3b87318e3ba3?V=1793143250&utm_source=facebook&utm_medium=autopost&utm_content=13784878

10/27/2026

📚 Learning together, growing together, and having a little fun along the way! 🏓

After a full day of meetings, learning, and professional development, we traded our notebooks for pickleball paddles, enjoyed a great dinner, and connected with fellow mortgage consultants from across the Midwest!

Our industry is about more than mortgages. It’s about building relationships, sharing knowledge, and growing stronger together. 🤝

Grateful to be part of a team that values collaboration, continuous learning, and making time to connect beyond the conference room!

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 #1404062
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/).