Special Programs

The advantage of using a full service lender is in the details. Prosperity Mortgage Company is committed to making your home purchase or refinance as effortless and affordable as possible. We can customize a solution for you from our extensive selection of products and programs. But we don't stop there. We have a variety of ways to help you save time and may save money throughout the home-buying process. We make the extra effort so you can relax.

Your home search will be faster and easier if you know what you can afford. With Prosperity Mortgage pre-approval program, we can determine a comfortable price range before you start your home search. And when you make an offer, the Prosperity Mortgage pre-approval program gives you the edge by affirming that you mean business.

Quick-Doc: When you've found your dream house, you don't want to lose time digging through old records for income and asset documentation. Just a few minutes on the phone with your Prosperity Mortgage loan consultant may greatly reduce the paperwork you will need to apply for the loan.

Builder Best®: Prosperity Mortgage offers maximum flexibility in new construction financing. The Builder Best® program protects you against rising interest rates and unnecessary paperwork by allowing you to lock in your interest rate and your credit documentation for up to one year. You can also take advantage of decreasing interest rates by using a one-time float down option. We offer lock periods up to 180 days (longer lock terms also available) at no additional charge with a float down option that can be exercised within 60 days of closing.

Low Down Payment Loan Option: The "upfront" costs of home ownership used to be a significant hurdle for many folks. But today, Prosperity Mortgage offers financing solutions that provide more home ownership opportunities for individuals with limited savings. Low down payments - or no downpayment at all - and flexible qualifying standards make FHA and VA loansvery appealing. FHA loans offer down payments as low as 2.25% of the salesprice. Eligible veterans may be able to purchase a home with no down payment. Other 100% and low down payment programs are also available.

Shop, Lock and RollSM: Are interest rates where you want them to be? Then lock in your rate during the home search process. Did interest rates drop after you found your home? Then roll down to the lower rate before you close with our Shop, Lock and RollSM program.

Less Than Perfect Credit Loan Options: We offer loan programs that accommodate less than perfect credit histories. Free credit counseling is also available to help you resolve past credit issues, save for a down payment and work toward future mortgage approval.

Jumbo Loans: Prosperity Mortgage offers traditional jumbo fixed rate mortgages. Looking for a shorter loan term and greater financial flexibility? Try our Super Jumbo Interest-Only Mortgage, available in loan amounts up to $3,000,000. It has low monthly payments and upward adjustment caps to help you maintain maximum cash flow. At Prosperity Mortgage, those with complex income profiles and intricate investment portfolios still enjoy enhanced borrowing power and simplified application experiences through our Expanded Financing Solutions program which offers No-income disclosure/no-ratio calculation loans, minimum documentation requests for self-employed borrowers and low down payment loans.

Other Programs Include: FHA, Jumbo, Conv, VHDA, VA, Construction to Perm, interest only, 2nd mortgages, home equity lines, foreign national, plus many more.

Real Estate Search

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First Time Home Buyer?

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Prosperity Mortgage
4440 Brookfield Corporate Drive, Suite #400, Chantilly, VA 20151
Phone 703-222-1800 ~ Fax 703-222-1808 ~ Toll Free 877-275-1762