Prosper Home Loans

Prosper Home Loans Prosper Home Loans is a full-service mortgage company offering VA, FHA, USDA, Conventional,

06/19/2026

Rates held in the mid-6s this week — but it was a wild ride to get there.
Peace deal. Bomb threats. A Fed chair throwing out the playbook. Markets whipsawing every single day.

Here's what that means if you're waiting on rates to move before buying...
👇 Watch this before you do anything else.
DM me the word RATE and I'll run your numbers with today's actual rate.

06/18/2026

Everyone hears the word escrow. Not everyone knows what it actually means. Let's fix that. 🔑

Escrow during the deal = neutral account holding your funds until closing
Escrow after closing = monthly collection for taxes and insurance

Both protect you. Neither is something to worry about.

DM me "ESCROW" if you have questions.

06/17/2026

Deals don't have to fall apart. Most problems have a solution — if you catch them early. 💪

Job change? There's a path.
Unexplained deposit? We document it.
DTI shifted? We find a program that works.

DM me "DEAL" and let's talk about how I protect your transactions from contract to close.

06/16/2026

You're three weeks from closing. Do NOT open new credit. I'm serious. 🚨

New credit card = lower score
New car loan = higher DTI
Financed furniture = potential closing delay

Wait until AFTER you have the keys.

DM me "KEYS" and I'll send you the full list of what not to do before closing.

06/16/2026

Buying a home over $766K? You're probably in jumbo loan territory. Here's what that means. 🏡

Jumbo loans go above conventional limits.
Lenders set their own rules — stronger credit, more reserves.
Rates vary widely depending on the lender.

DM me "JUMBO" and I'll find the best options across 40+ lenders for your situation.

06/13/2026

Rate update for the week — don't scroll past this if you're buying soon 👇

30Yr Conventional is in the mid-sixes
15Yr Conventional is in the low-sixes

CPI and Jobless Claims helped rates
PPI reversed the improvement in rates

DM me "RATE" and I'll run your numbers with today's actual rate.

06/11/2026

The appraisal came in low. Don't panic — here's what you can actually do. 🏠

Negotiate the price down
Cover the gap in cash
Challenge the appraisal with comps
Or walk away (if your contract allows it)

DM me "APPRAISAL" and let's talk through your options.

06/10/2026

Your client found the perfect home — but hasn't sold their current one yet. Here's the solution. 🌉

A bridge loan lets them access their equity now.
Make a strong offer without a sale contingency.
And buy before they sell.

DM me "BRIDGE" and let's see if your client is a fit.

06/09/2026

Thinking about changing jobs? Talk to your lender first. Seriously. 💼

Lenders want 2 years of stable employment history.
A job change right before closing can derail your approval.
Even a promotion to a different field can complicate things.

DM me "JOB" and let's make sure your employment situation doesn't create a problem.

06/09/2026

Fixed or adjustable rate? Most people pick fixed without even considering their options. 📊

Fixed = stable rate for the life of the loan
ARM = lower rate upfront, adjusts later

If you're not staying long-term, an ARM might save you serious money.

DM me "ARM" and let's figure out which one actually fits your situation.

Address

464 East Main Street Suite 4
Spartanburg, SC
29302

Opening Hours

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

Telephone

+18646417626

Website

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