Julia Gill at Prosperity Home Mortgage

07/29/2025

🎤 Testimonial Tuesday is here, and our clients are speaking up!
From Texas to Virginia, buyers are sharing how our team made the mortgage process feel smooth, clear, and personal.

✨ Whether it’s your first home or your next big move, we're here to help you feel confident every step of the way.

💬 Check out what our clients are saying — and why they’d choose Prosperity again!

07/28/2025

📊 June 2025 REALTORS® Confidence Snapshot

What’s happening in the market? Here are the key numbers:

🏠 $435,300 median existing-home price
💸 29% of homes sold to all-cash buyers
📈 21% of homes sold above list price
⏱️ 27 days median time on market

🔍 For agents: Cash competition is holding strong, but bidding wars are easing, offering new angles for financed buyers.

🏡 For buyers & sellers: This market rewards preparation and strategy. Whether you're buying your first home or listing with a goal of moving up, moving closer to family, or downsizing, we'll meet you where you are on your Path to Prosperity.

Let’s connect and put the numbers to work for you.

07/25/2025

Happy ! 🤓

We’re letting our inner insurance nerds shine with a quick-hit graphic on the 4 MI Facts Every Homeowner & Agent Should Know, because understanding PMI vs. MIP may help save money (now and in the future) and keep deals moving.

Have a burning MI question? Drop it below and we'll nerd-out with you!

07/23/2025

🩺 Just launched your practice? Let’s talk about homeownership.

If you're a private practice doctor or early-career professional, your income might be growing—but your pay stubs don’t tell the whole story. Our Path to Prosperity loan options include income documentation methods that may be a better fit for how you’re getting started.

'Mortgage Made for You' means home financing that considers where you are on your journey, not just where you’ve been.

Loan eligibility depends on individual qualifications. Not all borrowers will qualify.

Let’s explore your options together.

07/22/2025

📘 Terminology Tuesday: Know the Power of the CompetitivEDGE℠
In today’s fast-moving market, standing out matters. That’s why we offer CompetitivEDGE℠—a suite of tools designed to give buyers, sellers, and agents an edge.

📌 What’s inside?
🔹 HomeSURE Advantage – Full credit approval with a commitment letter, giving confidence to everyone at the table.
🔹 $30K On-Time Closing Guarantee – Because timelines matter. We back it up with real value.

🏡 Whether you're a buyer looking for an edge or an agent ready to write stronger offers, these programs help make deals happen.

🔍 Swipe through to see how we help you win in competitive markets.
📲 Reach out to learn more or get started today!

07/21/2025

📊 Mortgage Mondays: Real Estate Resilience
🏡 Wondering how long it takes for home prices to bounce back after a downturn? History tells us: real estate recovers ... and climbs.

📈 According to the Case-Shiller Index:
▪️ It took 6.5 years after the early 1990s recession
▪️ 11 years post-2006 housing crash
▪️ 14.5 years from the 2007 Great Recession to recover peak pricing

💡 The takeaway? Homeownership is a long-term investment. Timing the market is tough, but time in the market builds value.

Let us help you plan today, whether you're buying, selling, or advising your clients.

📲 Reach out to connect and start building your strategy today.

07/18/2025

📈 July 2025 Market Update

Mortgage rates stayed steady this week, keeping buyer demand strong. Inventory remains tight, making it a competitive market for both buyers and sellers. Whether you're just starting or ready to list, now might be the perfect time to make a move. 🏡

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.

07/16/2025

📊 More income sources = more opportunity.

Today’s homebuyers and homeowners don’t always fit in one financial box—and they shouldn’t have to. With Income Stacking, we combine multiple income types to help clients qualify with confidence.

✔ W2s
✔ 1099s
✔ Bank deposits
✔ Rental income
✔ Even assets

Creative qualifying and smarter solutions that meet you where you are. That’s the Path to Prosperity.

07/15/2025

🏎️ In F1, DRS gives you the edge.

In real estate? A fully underwritten pre-approval does the same.

It puts you ahead of the competition, fast-tracks your offer, and shows sellers you're serious.

At Prosperity, our HomeSURE Advantage program is like DRS for homebuyers—giving you more speed, more leverage, and fewer obstacles on your way to the finish line.

Advantage

Disclaimer: Not all borrowers will qualify. Equal Housing Lender. NMLS #75164.

07/14/2025

📉

📅 July 2025 rate predictions are in, so what’s the outlook?

Forecasts from across the industry suggest that mortgage rates may gradually decline into 2026, with some variance across projections.

🔑 Homebuyers: If you’re waiting for the “perfect rate,” remember, timing the market is tough. The right time is when it aligns with your goals, budget, and lifestyle.

🤝 Real Estate Pros: Use this insight to help guide your clients. Whether they’re buying now or planning ahead, knowledge is power—and we’re here to support you at every market turn.

Let’s walk the Path to Prosperity together.