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/

One housing market? Hardly.From Elgin, IL at +7.7% to Everett, WA at -3.7%, FHFA data shows just how differently home pr...
09/21/2026

One housing market? Hardly.

From Elgin, IL at +7.7% to Everett, WA at -3.7%, FHFA data shows just how differently home prices are moving across the country.

For buyers, sellers, and homeowners, local appreciation trends can provide important context for pricing, negotiating, and understanding the equity you may have built.

For real estate agents, this is another reminder that national headlines are only the starting point. The most valuable client conversations are grounded in what’s happening locally.

Whether you’re planning your own next move or helping a client prepare for theirs, We're here to help put the financing side of the picture into context.

Source: U.S. Federal Housing Finance Agency and NAHB analysis

09/21/2026

✨Starting your week with a spark of inspiration. Let’s make it a great one! 💪

The closing table isn’t the finish line.With servicing coming to Prosperity, our commitment can continue into whatever c...
09/18/2026

The closing table isn’t the finish line.

With servicing coming to Prosperity, our commitment can continue into whatever comes next.

We’re Relentless in Servicing, too.

Primary suite wish list: which one would you choose? 👀A walk-in closet for space, storage, and getting-ready ease 👗or a ...
09/16/2026

Primary suite wish list: which one would you choose? 👀

A walk-in closet for space, storage, and getting-ready ease 👗
or a spa bathroom for calm, comfort, and a little everyday luxury 🛁✨

Vote 1 or 2 below—and tell us which feature would make the biggest difference in your home. ⬇️

Mortgage Insiders know: Appraisal reports are changing, but a longer report doesn’t automatically mean there’s a problem...
09/15/2026

Mortgage Insiders know: Appraisal reports are changing, but a longer report doesn’t automatically mean there’s a problem.

Beginning November 2nd, 2026, conventional appraisals will include more structured property information. Additions, ADUs, converted spaces and discrepancies with public records may receive a closer look.

For buyers, sellers and real estate agents, the takeaway is simple: share unusual property details early. More information upfront can mean fewer surprises later.

🏗️ New construction opportunity isn’t spread evenly across the country.Eight of Realtor.com's 10 highest-ranked metros f...
09/14/2026

🏗️ New construction opportunity isn’t spread evenly across the country.

Eight of Realtor.com's 10 highest-ranked metros for new construction are in the South, including six in North or South Carolina. Charleston earned the No. 1 position, closely followed by Greenville.

For real estate agents, the takeaway is clear: understanding where builders are active can help clients uncover additional inventory and compare new construction with existing-home options.

Did any of these markets surprise you?

On Patriot Day, we pause to remember the lives lost on September 11 and honor the courage of the first responders, servi...
09/11/2026

On Patriot Day, we pause to remember the lives lost on September 11 and honor the courage of the first responders, service members, and everyday heroes who answered with selflessness. At Prosperity Home Mortgage, we stand united in remembrance and carry forward the spirit of compassion, resilience, and service that brought our nation together.

We will never forget.

Same word. Three very different jobs. 🏠🛡️🏡 Homeowners insurance helps cover the home and belongings after certain covere...
09/09/2026

Same word. Three very different jobs. 🏠🛡️

🏡 Homeowners insurance helps cover the home and belongings after certain covered losses or damage.

📜 Title insurance addresses certain ownership or title problems connected to the property’s past. A lender’s policy protects the lender, while an owner’s policy protects the homeowner.

💰 Mortgage insurance protects the lender if the borrower stops making payments. Whether it is required depends on the loan program, down payment and other factors.

All three may come up during the homebuying process, but they are definitely not interchangeable.

Real estate colleagues, save and share this before your buyer asks, “Wait, which insurance is this again?” 💙

📘 : Let’s talk credit.Your credit profile is made up of more than just a score. How much available credit you’re using,...
09/08/2026

📘 : Let’s talk credit.

Your credit profile is made up of more than just a score. How much available credit you’re using, the accounts on your report, and when your credit is reviewed can all be part of the bigger picture.

This week, we’re breaking down three terms worth knowing: Credit Utilization, Tradelines, and Credit Inquiries.

👉 Swipe through for a quick credit vocabulary refresh—and save this one for later!

Have questions about how credit factors into the mortgage process? Get in touch with us to learn more.

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409 Strawberry St
Richmond, VA
23220

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