Dan Plunkett at Prosperity Home Mortgage

07/01/2025

💙 Path to Prosperity Tip + 💙

Already built up solid savings or investment accounts? With Asset Utilization we can turn that nest egg into qualifying income—helping you buy (or refi) without relying on traditional pay-stubs.

🔹 Perfect for high-asset borrowers, retirees, and anyone whose income isn’t a neat W-2 line item.
🔹 Your money does the talking, we handle the math.
🔹 Another way our Path to Prosperity approach meets you where you are and moves you toward the home you want.

Ready to see how much buying power your assets hold? Drop a 💰 below or DM us to connect today!

07/01/2025

🏡 May’s Realtors® Confidence Index Is In!

With 28% of homes still selling above list price, a $422,800 median home price, and 30-day closings holding steady, it’s clear that confidence—and competition—remain strong.

💼 Agents: Use these insights to guide your clients and strategize your listings.
🔑 Buyers: Now’s the time to be prepared, pre-approved, and ready to move fast.

Let’s navigate this market together.

06/30/2025

💰 A Hidden Home Equity Tax? Here's What Homeowners Need to Know

As home values have surged, more sellers are facing unexpected taxes on their equity gains. If your profits exceed $250K (single) or $500K (married), you could owe capital gains tax on the difference. 😳

📍 States like Hawaii (79.1%), Washington (64.8%), and California (62.2%) have the highest share of homeowners over the exclusion limit.

This isn’t just a tax issue, it’s a planning opportunity. Whether you’re thinking of selling, downsizing, or leveraging your equity through a refinance, knowing your options could save you thousands.

📲 Let’s talk strategy today!

06/27/2025

☀️ Summer's here—and so are we! 🏡
House hunting doesn’t stop on the weekends, and neither do we. Whether you’re soaking up the sun, by the pool, camping, enjoying a BBQ, or scouting open houses, we’re here to help you make moves. Let’s get you home this summer!

06/25/2025

5.0 star review received on Experience.com for Dan Plunkett by Michael H - Dan was amazing. He was able to get what I needed done quickly and efficiently. It's a shame he's planning to retire, otherwise I'd use him for every future transaction.

Click to see all 584 reviews of Dan Plunkett at Prosperity Home Mortgage - Lutherville, Senior Mortgage Consultant | NMLS # 190953

06/25/2025

The path to real estate investing made simple—just the way it should be.

Whether you’re buying your first property or your fiftieth, our DSCR Investor Cash Program helps you qualify based on rental income, not personal income.

💼 No personal income required

🏡 Up to $2M purchase price

📈 Qualifying is based on the cash flow of the property

Ready to grow your portfolio? We’re ready to help.

06/24/2025

🌴 Pool days. ⛰ Mountain getaways. 🏖 Coastal escapes.

Whatever your dream vacation home looks like, Path to Prosperity loan options from Prosperity Home Mortgage can help you explore financing solutions that align with your goals.

Because Mortgage Made for You means recognizing that every homeownership journey is different, especially yours!

Loan eligibility depends on individual qualifications. Not all borrowers will qualify.

Let’s find your path home together.

06/23/2025

📊 Mortgage Mondays Insight

Affordability for millennial buyers has declined over the past five years — a trend driven by rising rates, home prices, and tighter budgets.

As real estate professionals, it’s more important than ever to understand how market shifts impact your buyers’ ability to qualify ... and to work with partners who are tracking these changes closely.

At Prosperity Home Mortgage, we’re committed to staying ahead of the curve and helping you navigate today’s affordability landscape with clarity and confidence.

06/20/2025

Happy First Day of Summer!

Whether your idea of summer is quiet mornings by the water, city sunsets, or weekend adventures outdoors, we hope this season brings a little extra light to your days. 🏡🌞

Here's to soaking it in—however and wherever you enjoy it.

06/19/2025

🌟 Juneteenth reminds us that freedom is a journey and that every step forward matters.

Today, we celebrate Black history, honor the fight for equality, and recommit ourselves to a future rooted in dignity and opportunity for all.