Hunter Church at Prosperity Home Mortgage

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Hunter Church at Prosperity Home Mortgage I am a Mortgage Consultant with Prosperity Home Mortgage NMLSR # 1134236 PHM, LLC® NMLSR #75164 NMLS Consumer Access @ www.nmlsconsumeraccess.org/

Prosperity Home Mortgage, LLC, a wholly owned subsidiary of The Long & Foster Companies, is a full service mortgage banker that specializes in residential and refinance loans. Prosperity Home Mortgage offers a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, construction loans and renovation financing. Our company is represented by more than 500 mortgage consultants throughout 47 jurisdictions including: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming. NMLS ID #75164 (NMLS Consumer Access at http://www.nmlsconsumeraccess.org/)

A mortgage closes. The relationship shouldn’t.With mortgage servicing coming to Prosperity, our commitment to homeowners...
10/09/2026

A mortgage closes. The relationship shouldn’t.

With mortgage servicing coming to Prosperity, our commitment to homeowners can continue well beyond the closing table.

Relentless in Service. Relentless in Servicing, too.



NMLSR ID #1134236
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/08/2026

Fall = Lord of the Rings rewatch season 🍂🍁 and losing offer after offer? Buyers know exactly how Theoden felt under that horse.

If you’re on offer number 4… or offer 27, I see you. In DC, MD, and VA a lot of the time it’s not you. It’s how the offer is built and what proactive steps you have taken in the mortgage process.

Price is only one piece. Terms, timing, and how strong your financing looks matter too. Talk to me about our pre-flight underwriting process to help you look even better on paper.

Save this for the next time you submit an offer.

Comment “lender” and I’ll send you the questions to ask a lender before you pick one.

Tag the buyer friend who’s on offer number__👇🏻

I had a lot of fun making this, so stay tuned for more LOTR x homebuying videos!

10/07/2026

Walking my dogs and explaining how a seller can pay to drop your mortgage payment ~$520 per month in year 1 🐕🦮🏡

Did you know sellers could do this? It’s called a 2-1 temporary buydown, and here’s how it works.

Example: $500k home, 20% down, ($400k mortgage) at 7.250%
-Year 1: about $520 per mo lower
-Year 2: about $266 per mo lower
-Year 3-30: your regular payment
-Total: about $9,429 over 2 years, which is the amount of seller credit it takes to make it work

Heads up: you still qualify at the full note rate, and seller credit limits are different for every program. Ask BEFORE you write the offer.

Save this for when you start making offers, and send it to a friend who’s buying a home soon🏡

Want to see if it could work for your next offer? Comment BUYDOWN or DM me and I’ll run your numbers.

Illustration: $400k loan, 7.250%, 30 year fixed, P&I only. Seller credit limits vary by program.

Buying in a higher-rate market can call for a little creativity. A 2/1 temporary buydown gives buyers a planned payment ...
10/07/2026

Buying in a higher-rate market can call for a little creativity. A 2/1 temporary buydown gives buyers a planned payment runway:

🏠 Year One: Payment calculated using a rate 2 percentage points below the note rate.

🏠 Year Two: Payment calculated using a rate 1 percentage point below the note rate.

🏠 Year Three and beyond: The full note-rate payment applies.

The important detail? The mortgage’s actual note rate does not change. Funds set aside at closing subsidize the difference during the first two years, and the payment progression is established from the beginning.

When permitted, negotiated seller concessions may help fund this strategy. It will not fit every buyer or transaction, but it can be worth discussing when the numbers align.

Real estate colleagues, save and share this with buyers exploring their options! 💙



NMLSR ID #1134236
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

When rates give buyers pause, it’s worth getting curious about your options. 🏡In markets where buyers have more room to ...
10/06/2026

When rates give buyers pause, it’s worth getting curious about your options. 🏡

In markets where buyers have more room to negotiate, seller concessions could help fund a 2/1 temporary buydown—providing some breathing room in your monthly budget as you settle into homeownership.

Here’s how it works:
• Year 1: Principal-and-interest payments calculated at a rate 2 percentage points below your loan’s fixed rate.
• Year 2: Payments calculated at a rate 1 percentage point below.
• Year 3 onward: Payments based on your loan’s full fixed rate.

The opportunity starts with a conversation about the whole picture: the home, the terms, and a payment that fits your budget beyond those first two years.

Wondering what this could look like for your purchase? Let’s run the numbers together.

Subject to loan program requirements and seller agreement. Temporary payment reductions do not change your loan’s fixed interest rate.



NMLSR ID #1134236
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

The Fed makes headlines. Your homebuying plans deserve a closer look. 🏡Mortgage rates and the Fed’s policy rate don’t mo...
10/05/2026

The Fed makes headlines. Your homebuying plans deserve a closer look. 🏡

Mortgage rates and the Fed’s policy rate don’t move in lockstep. Inflation, bond markets, and expectations about the economy also influence mortgage rates—helping explain why the two lines on this chart follow different paths.

When higher borrowing costs cause some buyers to pause, those still shopping may find less competition and more room to negotiate.

The opportunity is in the whole picture: the home’s price, seller concessions, available financing options, and a monthly payment that fits your budget.

Let’s talk through what those pieces could mean for your next move.



NMLSR ID #1134236
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

Appraisals are becoming more detailed, but a longer report doesn’t automatically mean there’s a problem. 🏡Beginning Nove...
10/02/2026

Appraisals are becoming more detailed, but a longer report doesn’t automatically mean there’s a problem. 🏡

Beginning November 2, 2026, Uniform Appraisal Dataset 3.6 will be required for applicable appraisal submissions. Buyers, sellers and real estate agents may notice more upfront questions about square footage, ADUs, renovations, property features and potential discrepancies.

The goal is a clearer, more consistent description of the property—and fewer surprises later in the process.

Have questions about what these changes could mean for your transaction? Connect with us today!



NMLSR ID #1134236
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

The August REALTORS® Confidence Index reflects a market moving at a more measured pace:🏡 Median existing-home price: $42...
09/30/2026

The August REALTORS® Confidence Index reflects a market moving at a more measured pace:

🏡 Median existing-home price: $429,100
👥 First-time buyers: 30% of transactions
📈 16% of homes sold above list price
⏳ Median days on market: 31

For buyers, a little less competition can create new opportunities. For agents, it’s a chance to help clients look beyond the headlines, understand their options, and be ready when the right home comes along.

Because even in a changing market, preparation creates a competitive edge—and we’re Relentless in Service every step of the way.

09/29/2026

Wild Card Game 1 is TONIGHT 🔴⚾️🔵 so naturally we made it about real estate.

Option A or option B👇🏻 Comment which one you’re picking (I already know my answer)

And no matter who wins tonight, you win either way. Get preapproved and that house is yours 🏡👀

LETS GO SOX!!

The home you’ve been waiting for could show up this fall. 🍂🏡Before you make an offer, get a clearer picture of your fina...
09/29/2026

The home you’ve been waiting for could show up this fall. 🍂🏡

Before you make an offer, get a clearer picture of your financing. CompetitiveEDGE® can help you approach the process with confidence.

Thinking about buying this season? Connect with us today!

Address

2300 Calvert Street NW
Washington D.C., DC
20008

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