Tom Barclay at Prosperity Home Mortgage

03/14/2025

Stay ahead in the housing market with our latest Market Update! 🏡📈 See how the February Jobs and Unemployment Reports are impacting mortgage rates, and get insights into the Fed’s upcoming decisions. Don’t miss out—read the full update now!

This Market Update is written by our Capital Market specialists each week to bring you insight into what's happening in the market and how it may affect mortgage rates and real estate trends.

03/14/2025

Happy Holi from all of us at Prosperity Home Mortgage! 💙🏠 Let the colors of the day bring laughter, friendship, and a whole lot of joy into your life.

03/13/2025

5.0 star review received on Experience.com for Thomas Barclay by Nancy J C - My clients decided to go with Prosperity when their previous lender let them know they could not complete their loan on time. Even though the time to process the loan was shorter than normal, Tom Barclay and Prosperity did an excellent job and were able to complete the loan in time and kept all parties well informed.

Click to see all 467 reviews of Thomas Barclay at Prosperity Home Mortgage - Annapolis, Mortgage Consultant | NMLS # 1086324

03/13/2025

4.83 star review received on Experience.com for Thomas Barclay by Kyle D - Clear and concise communication and advice. Readily available to chat if clarification was needed.

Click to see all 466 reviews of Thomas Barclay at Prosperity Home Mortgage - Annapolis, Mortgage Consultant | NMLS # 1086324

03/12/2025

These are not your typical mortgage solutions! 🏡💡 Whether you're self-employed, investing in real estate, or retired with assets, we have financing options designed for you. 💰✨

📢 Stay tuned for real-life success stories coming soon!

03/11/2025

📦 In this market, make sure your home offer stacks up! 🏡 With CompetitivEdge & our home financing solutions, you can stand out from the crowd and make a stronger offer.

Let’s build a winning strategy for your home purchase!

03/10/2025

📉 : Mortgage Delinquencies Tick Up—A Trend to Watch?

Fannie Mae and Freddie Mac’s serious delinquency rates rose again in January, marking a slight but steady increase over the past year. While still low by historical standards, shifts like these can sometimes signal bigger changes ahead. 🏡

Is this just a temporary bump due to recent natural disasters—or an early warning of affordability strains in the market? Time will tell, but staying ahead of the data is key. Real estate pros, keep this on your radar.

03/09/2025

⏰ Time to Spring Forward! ⏰

Daylight Saving Time begins tonight—set those clocks ahead and prepare for the annual debate: Is it really necessary? 🤔 Either way, don’t be that person who shows up an hour early tomorrow! ⏳

03/08/2025

✨ Happy International Women’s Day! ✨

Today, we celebrate the resilience, leadership, and achievements of women everywhere. At Prosperity Home Mortgage, we’re proud to support homeownership, financial independence, and opportunities that help build a stronger future for all.

Here’s to breaking barriers, shaping communities, and ensuring every door is open to success. 💙🏡

03/07/2025

Women are shaping the future of homeownership and the real estate industry! 💙🏡

📈 More women than ever own homes
💼 Women lead the way in real estate with 65% of Realtors® being women
🔑 Women are making waves in mortgage lending too with 56% of loan officers being women

This Women’s History Month, we celebrate the women driving change, building wealth, and making homeownership dreams a reality. 💪💙

03/05/2025

Feeling the pinch of rising costs? You’re not alone. 💸 Inflation affects everything, including rent. 📈 But homeownership is a well-known hedge against inflation, helping you take control of your housing costs instead of watching them climb year after year. 🏡🔑 Ready to put down roots and build stability? Let’s talk! 💙

03/05/2025

5.0 star review received on Experience.com for Thomas Barclay by Bill S - Tom is always timely and available for myself and my clients. 100% recommend!

Click to see all 465 reviews of Thomas Barclay at Prosperity Home Mortgage - Annapolis, Mortgage Consultant | NMLS # 1086324

03/04/2025

📢 : Let’s bust a myth!

Non-Qualified Mortgage (Non-QM) ≠ Unqualified Mortgage ❌🏡

Non-QM loans aren’t for unqualified borrowers; they’re designed for creditworthy homebuyers and homeowners who don’t fit the traditional lending box. Whether you're self-employed, an investor, or have unique income sources, we have the expertise to help you navigate these flexible financing options.

💡 Have questions about Non-QM loans? Drop them in the comments or reach out—we’re here to help!

03/03/2025

📉 Pending Home Sales Drop to Record Low—What’s Next?

January’s Pending Home Sales Index dropped to its lowest level since 2001, as affordability challenges continue to weigh on buyers. ❄️🏡 But with rates shifting and spring on the horizon, could a market rebound be next?
Agents and buyers alike should stay ready as opportunities shift in this evolving market.

02/28/2025

❄️ What’s our CompetitivEdge this season? We’re here for you, weekends included! Because your home search shouldn’t have to wait for warmer days. 🏡❄️

02/27/2025

📊 Market update alert! The January 2025 REALTORS® Confidence Index reveals steady conditions with a few key shifts:

🏡 Median home price dipped to $396,900, offering potential opportunities for buyers.
💰 All-cash sales remain high at 29%, showing continued competition.
📈 More offers per listing, sellers are now seeing an average of 2.6 offers, up from last month.
⌛ Homes are taking longer to sell, with only 47% closing in under a month.

💡 As buyer and seller activity levels hold steady, understanding these shifts can help you guide clients confidently. What market trends are you seeing in your area? Let’s discuss! ⬇️

02/26/2025

5.0 star review received on Experience.com for Thomas Barclay by Gail L W - Tom was great! I look forward to our next transaction.

Click to see all 452 reviews of Thomas Barclay at Prosperity Home Mortgage - Annapolis, Mortgage Consultant | NMLS # 1086324

02/26/2025

A lower mortgage payment for the first year? That’s a win! 🏡💙 With our Rate Rollback program, buyers get a 1% rate reduction for year one—subsidized by us. Agents, this is a great way to help clients step into homeownership with more confidence. Let’s talk about how this can work for you!