Kim Andres at Prosperity Home Mortgage

Kim Andres at Prosperity Home Mortgage I am a Mortgage Consultant with Prosperity Home Mortgage NMLSR #249224
PHM, LLC NMLS #75164 NMLS
Consumer Access @ www.nmlsconsumeraccess.org/

💡 Not every mortgage qualification story starts with a W-2.For real estate investors, a DSCR loan can offer another path...
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.

📊 Mortgage Mondays: Freddie Mac reported the average 30-year fixed rate at 6.47% last week, down 0.34% from a year ago, ...
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.

Summer has a way of reminding us that some of life's best moments happen right at home. ☀️Here's to sunshine, new beginn...
06/21/2026

Summer has a way of reminding us that some of life's best moments happen right at home. ☀️

Here's to sunshine, new beginnings, and creating memories in the place that's uniquely yours.

Happy First Day of Summer!

Today, we celebrate the dads and father figures who lead with love, show up without hesitation, and make life's biggest ...
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. 💙

A day of remembrance. A celebration of freedom. A promise to keep moving forward. ❤️💛💚Today, we honor Juneteenth and the...
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.

🔥 Father’s Day week has us thinking about backyard wish lists… Are you team Grill Station for quick summer cookouts or t...
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! 👇

Mortgage rate movement isn’t unusual — it’s part of the market cycle.Since 1972, the average annual range in the 30-year...
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.

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

Honoring the flag, the freedoms it represents, and the communities we’re proud to call home!🏡Happy Flag Day! ❤️🤍💙 ...
06/14/2026

Honoring the flag, the freedoms it represents, and the communities we’re proud to call home!🏡

Happy Flag Day! ❤️🤍💙

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409 Strawberry St
Richmond, VA
23220

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