Fair Housing Month: Empowering Homeownership for All

Fair Housing Month: Empowering Homeownership for All

April is Fair Housing Month, a time to recognize the importance of equitable access to housing and the protections provided by the Fair Housing Act of 1968. This landmark legislation prohibits discrimination in housing based on race, color, national origin, religion, sex, familial status, and disability. It ensures that everyone has the right to fair and equal housing opportunities—whether renting, buying, or securing financing.

Why Fair Housing Matters More Than Ever

The Fair Housing Act is a cornerstone of equal opportunity, but the journey toward housing equity continues. Homeownership is a powerful way to build generational wealth, yet many individuals and families still face challenges accessing financing and housing opportunities.

At Prosperity Home Mortgage, we’re committed to meeting clients wherever they are on their path to homeownership. Whether you’re a first-time buyer, a veteran, or navigating unique financial circumstances, we have solutions to fit your needs. We believe everyone deserves a place to call home and are dedicated to making homeownership accessible for all.

How Prosperity Home Mortgage Supports Fair Housing

We’re here to help you achieve your homeownership goals—no matter where you are in the process. Our specialized loan programs provide flexible and accessible financing options:

1. BorrowSmart – More Home, Less Money Out of Pocket
   Our BorrowSmart program is designed to help qualified buyers purchase a home with less money out of pocket. This program provides financial assistance that can be used for down payments and closing costs, making homeownership more accessible for low-to-moderate-income borrowers.
2. Uplift² – Affordable Solutions for FHA and VA Borrowers
   The Uplift program offers low rates and fees for qualified FHA and VA loan customers, providing significant savings and making homeownership attainable for those who have served our country or need a more accessible path to home financing.

1. Home Advantage Zero-Down FHA Loan³ – A Helping Hand for First-Time Buyers
   The Home Advantage Zero-Down FHA Loan combines a 3.5% down payment first mortgage option with a down payment assistance second mortgage of up to 5%. This assistance can be used toward the down payment and/or closing costs, providing a zero-down payment solution for qualified buyers.

Building a More Inclusive Future

Fair Housing Month is about more than reflecting on progress—it's a call to action. At Prosperity Home Mortgage, we are dedicated to helping you achieve your homeownership dreams by providing personalized guidance, innovative loan solutions, and unwavering support.

Wherever you are on your journey to homeownership, we’re here to help. Contact us today to explore your options and take the next step toward owning your own home!

‍

‍

‍

‍

‍

‍

‍

‍

‍

¹Other restrictions apply. Borrower must occupy the property as their primary residence. Not all borrowers will qualify. Speak to a mortgage consultant for additional information. BorrowSmart is not available in Alaska or Hawaii.

Low down payment options may not be the best option for all borrowers. Consult your mortgage consultant to review potential loan scenarios and financing options to determine the home loan that is right for you. Following counseling through a HUD approved agency, eligible borrowers will receive either a $600 credit at closing based on qualifying income.

²FHA and VA home loan programs may not be the best product for all borrowers or all situations. Consult your mortgage consultant to discuss your financing options. FHA loans have the benefit of a low down payment but there are other loan products with the same option. Ask your mortgage consultant to help you compare the overall costs of all products, including the monthly and long-term costs and conditions of the required mortgage insurance. In many instances, FHA may be a more expensive financing option and should only be considered after thoroughly evaluating all other product options that meet your credit qualifying and financial needs. Available in Alabama, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Michigan, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, Texas, Virginia, Wisconsin and West Virginia. County Limitations also apply. Contact your local mortgage consultant for more details. Not available in New York or Hawaii. Prosperity Home Mortgage, LLC, Prosperity Home Mortgage and HomeServices Lending are not affiliated with or endorsed by any government agencies. Some and/or all qualifying criteria may be set by independent third party program sponsors. Contact your mortgage consultant for program eligibility and details.

³Home Advantage is only available with the purchase of a property with an FHA home loan. Low down payment options may not be the best option for all borrowers. Consult your mortgage consultant to review potential loan scenarios and financing options to determine the home loan that is right for you. Not all borrowers will qualify. Standard & customary closing costs still apply. Forgiven after 5 years if there is no 90 day or greater delinquency on the first 60 payments of the FHA first lien and property remains a primary residence. If the borrower moves out, sells, or refinances the mortgage prior to the anniversary of the 5th year, the borrower owes the entire original principal balance of the second lien. Repayable second mortgage lien is amortized over 30 years and repayable with a 70-year balloon payment. Not all borrowers will qualify.

‍