Ben Miller at Prosperity Home Mortgage

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Ben Miller at Prosperity Home Mortgage Market Sales Leader with Prosperity Home Mortgage
NMLSR: 271140
Prosperity Home Mortgage NMLS #75164

Prosperity Home Mortgage, LLC, a wholly owned subsidiary of The Long & Foster Companies, is a full service mortgage banker that specializes in residential and refinance loans. Prosperity Home Mortgage offers a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, construction loans and renovation financing. Our company is represented by more than 500 mortgage consultants throughout 48 jurisdictions including: Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming. NMLS ID #75164 (NMLS Consumer Access at http://www.nmlsconsumeraccess.org/)

A mortgage closes. The relationship shouldn’t.With mortgage servicing coming to Prosperity, our commitment to homeowners...
10/09/2026

A mortgage closes. The relationship shouldn’t.

With mortgage servicing coming to Prosperity, our commitment to homeowners can continue well beyond the closing table.

Relentless in Service. Relentless in Servicing, too.



NMLSR ID #271140
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

Buying in a higher-rate market can call for a little creativity. A 2/1 temporary buydown gives buyers a planned payment ...
10/07/2026

Buying in a higher-rate market can call for a little creativity. A 2/1 temporary buydown gives buyers a planned payment runway:

🏠 Year One: Payment calculated using a rate 2 percentage points below the note rate.

🏠 Year Two: Payment calculated using a rate 1 percentage point below the note rate.

🏠 Year Three and beyond: The full note-rate payment applies.

The important detail? The mortgage’s actual note rate does not change. Funds set aside at closing subsidize the difference during the first two years, and the payment progression is established from the beginning.

When permitted, negotiated seller concessions may help fund this strategy. It will not fit every buyer or transaction, but it can be worth discussing when the numbers align.

Real estate colleagues, save and share this with buyers exploring their options! 💙



NMLSR ID #271140
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

When rates give buyers pause, it’s worth getting curious about your options. 🏡In markets where buyers have more room to ...
10/06/2026

When rates give buyers pause, it’s worth getting curious about your options. 🏡

In markets where buyers have more room to negotiate, seller concessions could help fund a 2/1 temporary buydown—providing some breathing room in your monthly budget as you settle into homeownership.

Here’s how it works:
• Year 1: Principal-and-interest payments calculated at a rate 2 percentage points below your loan’s fixed rate.
• Year 2: Payments calculated at a rate 1 percentage point below.
• Year 3 onward: Payments based on your loan’s full fixed rate.

The opportunity starts with a conversation about the whole picture: the home, the terms, and a payment that fits your budget beyond those first two years.

Wondering what this could look like for your purchase? Let’s run the numbers together.

Subject to loan program requirements and seller agreement. Temporary payment reductions do not change your loan’s fixed interest rate.



NMLSR ID #271140
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

The Fed makes headlines. Your homebuying plans deserve a closer look. 🏡Mortgage rates and the Fed’s policy rate don’t mo...
10/05/2026

The Fed makes headlines. Your homebuying plans deserve a closer look. 🏡

Mortgage rates and the Fed’s policy rate don’t move in lockstep. Inflation, bond markets, and expectations about the economy also influence mortgage rates—helping explain why the two lines on this chart follow different paths.

When higher borrowing costs cause some buyers to pause, those still shopping may find less competition and more room to negotiate.

The opportunity is in the whole picture: the home’s price, seller concessions, available financing options, and a monthly payment that fits your budget.

Let’s talk through what those pieces could mean for your next move.



NMLSR ID #271140
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

Appraisals are becoming more detailed, but a longer report doesn’t automatically mean there’s a problem. 🏡Beginning Nove...
10/02/2026

Appraisals are becoming more detailed, but a longer report doesn’t automatically mean there’s a problem. 🏡

Beginning November 2, 2026, Uniform Appraisal Dataset 3.6 will be required for applicable appraisal submissions. Buyers, sellers and real estate agents may notice more upfront questions about square footage, ADUs, renovations, property features and potential discrepancies.

The goal is a clearer, more consistent description of the property—and fewer surprises later in the process.

Have questions about what these changes could mean for your transaction? Connect with us today!



NMLSR ID #271140
Equal Housing Lender
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031.
All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all products are available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

The August REALTORS® Confidence Index reflects a market moving at a more measured pace:🏡 Median existing-home price: $42...
09/30/2026

The August REALTORS® Confidence Index reflects a market moving at a more measured pace:

🏡 Median existing-home price: $429,100
👥 First-time buyers: 30% of transactions
📈 16% of homes sold above list price
⏳ Median days on market: 31

For buyers, a little less competition can create new opportunities. For agents, it’s a chance to help clients look beyond the headlines, understand their options, and be ready when the right home comes along.

Because even in a changing market, preparation creates a competitive edge—and we’re Relentless in Service every step of the way.

The home you’ve been waiting for could show up this fall. 🍂🏡Before you make an offer, get a clearer picture of your fina...
09/29/2026

The home you’ve been waiting for could show up this fall. 🍂🏡

Before you make an offer, get a clearer picture of your financing. CompetitiveEDGE® can help you approach the process with confidence.

Thinking about buying this season? Connect with us today!

09/28/2026

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

Your first home starts before the house hunt. It starts with a plan. 🏡Through our partnership with Foyer®, first-time bu...
09/25/2026

Your first home starts before the house hunt. It starts with a plan. 🏡

Through our partnership with Foyer®, first-time buyers can open a dedicated First-Time Homebuyer Savings Account designed to help turn “someday” into a real goal. With high-yield savings, deposit matching of up to 6% and tools created for future homebuyers, every contribution can help build momentum toward what comes next.

Whether you’re hoping to buy soon or just beginning your home fund, connect with us to see how Foyer could fit into your path to homeownership.

Terms and eligibility requirements apply. Deposit match is subject to Foyer program terms.

One mortgage payment can have a few moving pieces. Here’s where the money may go: 🏠🏡 Principal reduces the amount you ow...
09/23/2026

One mortgage payment can have a few moving pieces. Here’s where the money may go: 🏠

🏡 Principal reduces the amount you owe on the loan.

💰 Interest is the cost of borrowing that money.

🧾 Escrow, when included, sets aside funds for expenses such as property taxes and homeowners insurance so they can be paid when due.

One payment. Multiple pieces. Understanding the breakdown can help buyers build a more complete monthly budget and make that first mortgage statement much less mysterious.

Real estate colleagues, save and share this with your buyers! 💙

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3011 Sutton Gate Drive
Suwanee, GA
30024

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