Eddie Cepeda at Prosperity Home Mortgage

06/23/2026

💡 Not every mortgage qualification story starts with a W-2.

For real estate investors, a DSCR loan can offer another path by focusing on a property's income-producing potential rather than personal employment income. 🏘️💙

This week's breaks down one of our most popular financing tools in the investor space.

06/23/2026

🏆 We’re proud to share that Prosperity Home Mortgage has been recognized as one of the Top 10 Mortgage Companies in Customer Satisfaction – Jumbo Division for 2025 by Experience.com.

This recognition is especially meaningful because it is based entirely on verified customer feedback and reflects the dedication of our mortgage professionals, operations teams, and support staff who work every day to deliver an exceptional home financing experience.

At Prosperity, we strive to be Relentless In Service—providing clear communication, trusted guidance, and personalized solutions to help our customers achieve their homeownership goals with confidence.

Thank you to our clients, real estate colleagues, and team members for your trust and support. This honor belongs to all of us.

Read more here ➡️ https://bit.ly/4eZKv7S

06/23/2026

5.0 star review received on Experience.com for Eddie Cepeda by Suciyati - Nice and so fast

Click to see all 265 reviews of Eddie Cepeda at Prosperity Home Mortgage - Henderson, Mortgage Consultant | NMLS # 552598

06/22/2026

📊 Mortgage Mondays: Freddie Mac reported the average 30-year fixed rate at 6.47% last week, down 0.34% from a year ago, while the 15-year fixed sits at 5.81%. Rates have moved off their recent highs, but have largely spent the past year finding a more stable range after years of volatility.

Perspective matters. Today's rates may not be 2021, but they're also not 1981. While interest rates tend to dominate headlines, affordability remains the bigger story—shaped by home prices, wages, and local market dynamics just as much as borrowing costs.

🏡 National Reach. Local Expertise. Understanding the trend is one thing. Understanding what it means in your market is another.

06/21/2026

Today, we celebrate the dads and father figures who lead with love, show up without hesitation, and make life's biggest moments feel a little easier.

Thank you for the strength, guidance, laughter, and countless memories you create along the way.

Happy Father's Day. 💙

06/19/2026

A day of remembrance.
A celebration of freedom.
A promise to keep moving forward. ❤️💛💚

Today, we honor Juneteenth and the enduring pursuit of liberty, equality, and opportunity for all.

06/17/2026

5.0 star review received on Experience.com for Eddie Cepeda by Angela J - my clients are in Eddie's hands, I no longer have to worry about the loan aspect.

Click to see all 264 reviews of Eddie Cepeda at Prosperity Home Mortgage - Henderson, Mortgage Consultant | NMLS # 552598

06/17/2026

🔥 Father’s Day week has us thinking about backyard wish lists…
Are you team Grill Station for quick summer cookouts or team Smoker Station for low-and-slow weekend flavor?

Which one's your pick? — and tell us what’s on the menu! 👇

06/16/2026

Mortgage rate movement isn’t unusual — it’s part of the market cycle.

Since 1972, the average annual range in the 30-year fixed mortgage rate has been 1.40 percentage points. Since 2001, that average range has been 1.08 percentage points.

For buyers, sellers, and real estate professionals, context matters. Rate changes can feel big in the moment, but history shows movement happens every year.

That’s why having the right mortgage guidance matters — especially in a market where timing, strategy, and perspective can make all the difference.

06/15/2026

📊 Mortgage Mondays: One thing stands out in these forecasts: there's surprisingly little disagreement.

Major housing and mortgage economists all project mortgage rates near the 6.2%–6.5% range through 2027. For agents, that's a reminder that today's conversations should focus less on waiting for a magic number and more on helping clients understand their options in the market that's in front of them.