FM Lending Svc LLC

Prosperity Home Mortgage, LLC is a dedicated direct lender specializing in residential mortgage financing. Recognized for its commitment to customer satisfaction, the company was ranked #1 in the nation in Customer Satisfaction with Mortgage Origination by J.D. Power in 2024. Prosperity Home Mortgage also maintains an affiliation with the real estate firm Fonville Morisey, providing a comprehensive approach to the home buying process.

The lender offers a diverse portfolio of home loan products designed to meet various borrower needs, including Conventional, FHA, VA, and USDA loans, as well as options for refinancing, cash-out refinancing, HELOCs, and reverse mortgages. They emphasize accessibility, particularly for first-time homebuyers, by highlighting low and zero down payment programs and explaining the role of Private Mortgage Insurance (PMI) in making homeownership possible with less than 20% down.

Prosperity Home Mortgage operates with a strong mission to provide financing solutions that positively impact lives and communities. Their approach is highly consultative, with a team of dedicated mortgage advisors available to guide clients through the complexities of mortgage financing, offering personal consultations and clarifying key differences between loan types like fixed and adjustable rates, and pre-qualification versus pre-approval.