Prosper Home Loans

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

09/02/2026

A house payment doesn't just compete with rent. 💰

It competes with:
✅ Retirement contributions
✅ Liquidity
✅ Every other goal in the plan

Financial advisors — loop your lender in BEFORE the house hunt starts, not after the offer's in.

DM me BROKER and let's protect the plan.

09/01/2026

Want a faster mortgage approval? Have these ready BEFORE we start: 📄

✅ 2 years W-2s or tax returns
✅ 2 most recent pay stubs
✅ 2 months bank statements (every account)
✅ Self-employed? Add 2 years business returns
✅ Gift funds? You'll need a gift letter

DM me "DOCS" for your personalized checklist.

09/01/2026

Your debt-to-income ratio might be THE biggest factor in what you qualify for. 📊

It's your monthly debt payments vs. your gross monthly income. Most programs cap it around 43-50%, but lower = more options + better pricing.

Even a few points can change your approval.

DM me "DTI" and let's calculate yours.

08/27/2026

Should you get pre-approved BEFORE house hunting? Yes. Here's why. 🏡

It tells you your real budget before you fall in love with something you can't afford. It also tells sellers you're serious.

Most pre-approvals last 60-90 days — no downside to starting early.

DM me "APPROVED" and let's get you pre-approved.

08/26/2026

CPAs — you often see your client's finances before I do. 👀

Big unexplained deposits, a write-off spike, a big purchase about to happen — these can all complicate a mortgage. A heads up to us can prevent a scramble later.

25 years in this industry taught me: the smoothest files are the ones where CPA and lender talk EARLY.

DM me "CPA" and let's connect.

08/25/2026

Thinking about adding a co-signer? Here's what actually changes. 📝

✅ Their income/credit can help you qualify for more
⚠️ They take on FULL legal responsibility for the loan
⚠️ Their existing debts count too — sometimes against you

Run the numbers both ways before you ask.

DM me "COSIGN" and I'll run it both ways for you.

08/25/2026

Your credit score is just ONE piece of the puzzle. 🧩

Lenders also look at income stability, debt-to-income ratio, down payment, and cash reserves. Same score, very different loans possible.

A credit-score-only estimate can be misleading — the full picture is what actually sets your rate.

DM me "PICTURE" and let's look at the whole picture.

08/22/2026

This week's rate rundown 📈

Rates are holding near one-year highs, bond market volatility (bumped by the Iran conflict) keeps pulling yields around.

Watching for:
✅ Where the 30-year lands today
✅ What the Fed signals next
✅ Whether this volatility settles or spikes again

Want this week's exact numbers for your scenario? DM me RATE.

08/20/2026

Myth: you need perfect credit to buy a home. ❌

Truth: different programs have different minimums, and several are lower than people assume. Payment history, credit usage, and length of history all matter too.

Imperfect score ≠ no home. It might just mean a different program.

DM me "CREDIT" and let's see where you stand.

08/19/2026

Realtors 📌 — the earlier your buyer talks to a lender, the fewer surprises once you're under contract.

Unverified income + untested credit + a guessed down payment = negotiating blind.

Get them connected before you write the offer, not after.

DM me "BROKER" and let's start working together.

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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