Tammy Rivard at Prosperity Home Mortgage

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Tammy Rivard at Prosperity Home Mortgage I am a Mortgage Consultant with Prosperity Home Mortgage NMLSR # 561867
PHM, LLC NMLS #75164 CA-DBO561867 AZ 0933229 WA license MLO-561867

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.

Classic hearth charm or sleek modern glow? 🔥This week’s This or That is all about fireplace style.Would you choose a tra...
10/14/2026

Classic hearth charm or sleek modern glow? 🔥
This week’s This or That is all about fireplace style.
Would you choose a traditional fireplace for that warm, timeless feel, or a modern fireplace for clean lines and a more contemporary look?
Tell us your choice in the comments 👇



NMLSR ID #561867
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/).

🏡 Terminology Tuesday: Seller Concessions!What if a seller could help make a buyer's monthly mortgage payment more affor...
10/13/2026

🏡 Terminology Tuesday: Seller Concessions!

What if a seller could help make a buyer's monthly mortgage payment more affordable? đź‘€

đź’ˇ Seller concessions are contributions a seller agrees to make toward certain homebuying expenses, including closing costs and interest rate buydowns.

Here's where things get interesting! ⬇️

🔹 Temporary Rate Buydown: Seller contributions may help reduce a buyer's initial monthly mortgage payments for a set period.

🔹 Permanent Rate Buydown: Seller contributions may be used to pay discount points, lowering the mortgage interest rate for the life of the loan.

🤝 For buyers, this could mean lower upfront costs or more manageable monthly payments. For sellers and real estate agents, concessions may be a valuable negotiation tool to help bring everyone closer to the closing table.

🏠 Sometimes, it's not just about the price of the home. It's about how you structure the deal!

📲 Connect with us to explore how seller concessions could work for your next purchase.



NMLSR ID #561867
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/).

National trends tell part of the story. Local knowledge brings it home. 🏡Realtor.com projects that 13.9 million homes co...
10/12/2026

National trends tell part of the story. Local knowledge brings it home. 🏡

Realtor.com projects that 13.9 million homes could be released between 2026 and 2036 as older generations transition out of homeownership. But that shift will unfold differently from one community to the next.

The types of homes becoming available, local demand, and neighborhood price points will shape what it means for your next move.

That’s why I look beyond the national headlines to understand what’s happening here in our community. As your local Mortgage Consultant, I can help you explore how financing options fit your goals, while working with your real estate agent to put local market insights into perspective.

Let’s talk about your next move—and build a plan around you.



NMLSR ID #561867
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 mortgage closes. The relationship shouldn’t.With mortgage servicing coming to Prosperity, our commitment to homeowners...
10/09/2026

A mortgage closes. The relationship shouldn’t.

With mortgage servicing coming to Prosperity, our commitment to homeowners can continue well beyond the closing table.

Relentless in Service. Relentless in Servicing, too.



NMLSR ID #561867
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/).

5.0 star review received on Experience.com for Tammy Rivard by Danny M - Tammy. Tammy is what made it great. She is an...
10/07/2026

5.0 star review received on Experience.com for Tammy Rivard by Danny M - Tammy. Tammy is what made it great. She is an execllent communicator and problem solver, and is always willing to follow up to ensure I'm okay. Relocating is always stressful, selling and buying a house, juggling two roles with work...I can't imagine how hard it would be doing all this without someone like Tammy to help. She is a total professional.

Read more: https://experience.com/reviews/tammy-rivard/b59f3379-4646-40b7-85fd-f85bb0fc0b69?V=1791388916&utm_source=facebook&utm_medium=autopost&utm_content=13722959

Buying in a higher-rate market can call for a little creativity. A 2/1 temporary buydown gives buyers a planned payment ...
10/07/2026

Buying in a higher-rate market can call for a little creativity. A 2/1 temporary buydown gives buyers a planned payment runway:

🏠 Year One: Payment calculated using a rate 2 percentage points below the note rate.

🏠 Year Two: Payment calculated using a rate 1 percentage point below the note rate.

🏠 Year Three and beyond: The full note-rate payment applies.

The important detail? The mortgage’s actual note rate does not change. Funds set aside at closing subsidize the difference during the first two years, and the payment progression is established from the beginning.

When permitted, negotiated seller concessions may help fund this strategy. It will not fit every buyer or transaction, but it can be worth discussing when the numbers align.

Real estate colleagues, save and share this with buyers exploring their options! đź’™



NMLSR ID #561867
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/).

When rates give buyers pause, it’s worth getting curious about your options. 🏡In markets where buyers have more room to ...
10/06/2026

When rates give buyers pause, it’s worth getting curious about your options. 🏡

In markets where buyers have more room to negotiate, seller concessions could help fund a 2/1 temporary buydown—providing some breathing room in your monthly budget as you settle into homeownership.

Here’s how it works:
• Year 1: Principal-and-interest payments calculated at a rate 2 percentage points below your loan’s fixed rate.
• Year 2: Payments calculated at a rate 1 percentage point below.
• Year 3 onward: Payments based on your loan’s full fixed rate.

The opportunity starts with a conversation about the whole picture: the home, the terms, and a payment that fits your budget beyond those first two years.

Wondering what this could look like for your purchase? Let’s run the numbers together.

Subject to loan program requirements and seller agreement. Temporary payment reductions do not change your loan’s fixed interest rate.



NMLSR ID #561867
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

811 Glenwood Avenue Suite 330
Minneapolis, MN
55405

Telephone

+19529672599

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