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.

09/04/2026

This week's rate rundown 📈

Today's jobs report came in HOT:
✅ +162,000 jobs added (way above the 56K expected)
✅ Unemployment held at 4.1%
✅ June & July revised UP a combined 55,000

A strong report like this actually puts a September Fed rate hike back in play, and it pushed rates higher today.

Today's numbers:
✅ 30-year fixed: 6.99%
✅ 15-year fixed: 6.125%
✅ 7-year ARM: 6.625%

Watching CPI (9/11) and the Fed meeting (9/16) next.

DM me RATE for your real numbers.

09/03/2026

New job offer, no pay stubs yet? 📄

Here's what actually matters:
✅ Same field or similar role
✅ Start date within ~60 days of closing
✅ Salary vs. commission changes everything

Tell your lender BEFORE you apply, not after.

DM me JOB and let's map it out.

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.

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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