Prosper Home Loans

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

06/05/2026

🚨 The May jobs report just dropped — and it was a BLOWOUT.

Stronger-than-expected job numbers mean the Fed has less reason to cut rates anytime soon. Here's what that means for mortgage rates right now and what you should be thinking about if you're planning to buy or refinance.

Watch the full breakdown 👆

💡 The bottom line: rates are reacting. If you've been sitting on the fence, let's talk strategy.

📲 Call or text me: 864-641-7626
✉️ [email protected]
🌐 prosperhomeloans.us

06/04/2026

"How long does it take to close?" — Great question. Here's the real answer. 🏡

Typically 30–45 days from accepted offer.
Underwriting takes 1–2 weeks.
The fastest closings happen when the buyer responds fast.

DM me "TIMELINE" and I'll walk you through exactly what to expect step by step.

06/03/2026

Your client's rate changed before closing. Here's why that happened — and how to prevent it. 🔒

Rate locks expire. If closing gets delayed past the window, the rate resets to current market.
A good lender flags this before it becomes a crisis.

DM me "LOCK" and let's talk about how I protect your clients' rates from start to finish.

06/02/2026

Pay off debt or save for a down payment? It's one of the most common questions I get. 🤔

Sometimes paying debt gets you approved for more.
Sometimes saving is the smarter move.
Sometimes the answer is both — strategically.

DM me "PLAN" and let's figure out the right move for your situation.

06/01/2026

PMI — you might be paying it and not fully understand what it even is. 👀

It's not protecting you. It's protecting the lender.
And it can add hundreds to your monthly payment.
But it's not permanent — and some loans avoid it altogether.

DM me "PMI" and I'll show you your options.

05/28/2026

Self-employed and trying to buy a home? You have more options than you think. 💼

Tax write-offs are great — until they make your income look low to a lender.
But there are loan programs built for exactly this situation.

Bank statement loans. 1099 loans. Asset-based qualification.

DM me "SELF" and let's figure out which path works for your situation.

05/27/2026

Your contract is signed. Now what? ⏱️

Most buyers think closing is 30 days away — and it is. But your lender needs to move in the first 48 hours.

Appraisal ordered. Title started. Documents submitted.

The closings that fall apart almost never fail at the end. They fail on day one.

DM me "CLOSE" if you're under contract and want to make sure your timeline is protected.

05/26/2026

You don't need to save for years to buy a home. You need a smarter plan. 💡

Separate account just for the down payment
Automate the transfer — remove the temptation
Know your actual requirements (hint: it's probably less than you think)

DM me "SAVE" and I'll show you how much you actually need to get started.

05/26/2026

If you served, you earned this benefit — make sure you're using it. 🇺🇸

VA loans offer:
Zero down payment
No PMI
Great rates — and you can use it more than once

DM me "VA" and I'll walk you through how your benefit works and what you qualify for.

05/23/2026

Rates moved this week — here's what it means for you 👇

Sideways to slightly lower

Whether you're buying, refinancing, or just watching the market — this affects your payment more than you think.

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

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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