Donnie Bryant - Prosper Home Loans

Donnie Bryant - Prosper Home Loans Donnie has been helping people navigate the mortgage process since 2001. Personal NMLS: 365382
Company NMLS: 2470063 NMLS: 365382

With many different options, he's bound to have a solution to your home financing needs. With over a decade of mortgage experience and thousands of satisfied clients Donnie is the right mortgage banker for you. His consultation style set him apart from the competition. He will review your goals and plans and help build the mortgage around you.

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.

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.

Address

464 East Main Street Suite 4
Spartanburg, SC
29302

Opening Hours

Monday 8:30am - 6:30pm
Tuesday 8:30am - 6:30pm
Wednesday 8:30am - 6:30pm
Thursday 8:30am - 6:30pm
Friday 8:30am - 6:30pm

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