Hi, I'm Todd...
Your

Sales Manager

Your Mortgage Consultants

We make the home loan process as simple as possible by guiding you through every step.

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Ranked #1 in Customer Satisfaction among Mortgage Origination Companies
For J.D. Power 2024 Award information, visit www.jdpower.com/awards.
Todd Henley

Sales Manager

NMLSR

247911

State license
State licenses
Cell Phone
404-313-5855
Office Phone
Address:

Ste 100

Alpharetta
GA
30004
Languages:  
Awards received
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Todd M. Henley is a Sales Manager for Prosperity Home Mortgage in the Atlanta area.  He is responsible for building and managing current and new business, ensuring and maintaining excellent customer service standards and developing successful partnerships.

His personal goal is to help educate both clients and business partners about the home financing process, so each can move forward with an informed, efficient mortgage loan transaction. He and his team aim to ensure that they keep all parties in a transaction informed every step of the way.

He is an Atlanta native and is also licensed in the Southeast region and can serve the Georgia, South Carolina, Florida and Alabama markets.  He earned a Bachelor’s degree in Finance from Georgia State University.  Todd lives in Brookhaven, GA with his wife and three daughters.  In his spare time, Todd loves spending time with his family, coaching his daughter’s sports teams, biking, boating and college football

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About ME

Empowering Our Community Through 18 Years of Expert Lending Support.

With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.

18

+ Years

of serving our customers

1500

+

Loan Officers in all 50 states
It includes a review of your Financial Statement. This service is complimentary.
PREQUALIFICATION PROS
There is peace of mind in completing this early step in the homebuying.
EXPEDITED SERVICE
Typical turnaround times are 24 to 48 hours. We're open on weekends too.
Apply for Coop or Condo prequalification letter
STRENGTHEN YOUR OFFER
Your Coop or Condo offer stands out to sellers when you use this complimentary service.

Ask Us About
Pathway To Prosperity

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Ask Us About
Pathway To Prosperity

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Pathway To Prosperity

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What's your home worth?
Get your free home valuation report!

I'm here to answer allyour mortgage questions

  • Do I need to save for a 20% down payment?

    No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

  • Are Pre-Qualification and Pre-Approval the same thing?

    No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

  • What's the difference between an adjustable and a fixed rate mortgage?

    A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

  • What is Private Mortgage Insurance (PMI)?

    Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

  • Can I access my home equity before I finish paying off my loan?

    Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

  • What do I do if I can't afford my mortgage payment anymore?

    The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

What our customers are saying

Lawrenceville GA
Sep 27, 2024

Todd and his team were super patient and had flawless communication throughout the entire process.

Lawrenceville GA
Sep 25, 2024

Always professional, always timely, great communication, & always a fabulous experience!

Lawrenceville GA
Dec 31, 2024

Very professional and excellent communications, very responsive to any questions or concerns.

Cumming GA
Dec 21, 2024

Todd went above and beyond to work for my business. I felt comfortable and informed about my refinance.

Dallas GA
Dec 19, 2024

Todd and his team we're very helpful from the communication via email, phone and text. Everything was sent with timelines and people to reach out to for other services.

Dallas GA
Dec 13, 2024

Todd, you and your team made the process easy! Thank you.

Gainesville GA
Nov 28, 2024

Tops, Vickie and all involved at Prosperoty Mortgage made me feel like a top priority at all times. Calls and/or emails didnnit go unanswered for more than a hour or two with someone answering my questions what fealt like instanty. great team helped secure my mortgage and interest rate and will be referring to friends abs and family in the future! Thank you again for helping me secure my first home!!

Tucker GA
Nov 25, 2024

Quick reply during the process and being available.

Atlanta GA
Nov 22, 2024

From beginning to end, all went very smooth.

Tucker GA
Nov 22, 2024

Todd was great to work with! He took care of my client and provided me with consistent updates! 10/10

Jefferson GA
Nov 03, 2024

The comunication Todd & his team had with me ! Very friendly and patient

Roswell GA
Nov 01, 2024

Todd Henley and his team are outstanding! Todd is an exceptional lender who consistently goes above and beyond to serve his clients. As a Realtor with experience working alongside various lenders, I can confidently say that Todd’s team sets a high standard of professionalism and expertise. They are knowledgeable, responsive, and truly committed to delivering an excellent experience for every client. I highly recommend Todd Henley... he will not disappoint!

Holly Springs GA
Oct 26, 2024

Worked quickly, explained all the steps, kept me informed and eased all my fears of doing everything on line.

Milton GA
Oct 25, 2024

Todd and his team have great communication and service delivery!

Milton GA
Oct 25, 2024

This was an amazing experience! So much care was shown throughout the process from beginning to end! I especially appreciated the accessibility and timely communication! I can't recommend Todd and team enough!

Valdosta GA
Oct 25, 2024

Todd you knew we had some hurdles to overcome, and you found the solution. You and Vickie responded right away when I had questions. The procedure was made easy, with signing paperwork. There was some stress on my part in finding everything you needed, but got it done.

Canton GA
Oct 23, 2024

Todd was great with communicating with us, even if we weren’t the most responsive at times. He looked out for us and got a great rate before they went back up. Very happy to have been referred to Todd and to have worked with him buying our new home.

Gainesville GA
Oct 20, 2024

Felt well supported and had lots of options for my loan. It was a pleasant experience.

Austell GA
Sep 30, 2024

Had a very pleasant experience with Todd and his team. They communicated really well and made the home buying process very quick and smooth.

Lawrenceville GA
Sep 27, 2024

Todd and his team were super patient and had flawless communication throughout the entire process.

Lawrenceville GA
Sep 25, 2024

Always professional, always timely, great communication, & always a fabulous experience!

Lawrenceville GA
Dec 31, 2024

Very professional and excellent communications, very responsive to any questions or concerns.

Cumming GA
Dec 21, 2024

Todd went above and beyond to work for my business. I felt comfortable and informed about my refinance.

Calculate Your Mortgage Payment

  • 3%
  • 3.25%
  • 3.50%
  • 3.75%
  • 4%
  • 4.25%
  • 4.50%
  • 4.75%
  • 5%
  • 5.25%
  • 5.50%
  • 5.75%
  • 6%
  • 6.25%
  • 6.50%
  • 6.75%
  • 7%
  • 7.25%
  • 7.50%
  • 7.75%
  • 8%
Mortgage Amount, $
250,000.00
Total Cost Of Mortgage, $
0.00
Monthly payment:
0.00
P&I
Insurance
Taxes
PMI
HOA

Rent Info

Property information

Loan information

Taxes and insurance information

Calculate now
Name
Before
After
  • Taxes and insurance, $
Before
0.00
After
22,500.00
  • Total PMI, $
Before
0.00
After
4,062.50
  • Total maintenance, $
Before
0.00
After
4,500.00
Total payments
51,996.70
125,872.72
  • Average Monthly Payment, $
Before
866.61
After
2,097.88
  • Monthly Rent Savings, $
Total
1,231.27
  • Tax Savings, $
Before
0.00
After
4,550.00
Total Rent Savings
69,326.02
  • House Appreciation Value, $
Total
382,884.47
  • Proceeds Minus Costs, $
Total
356,082.56
  • Loan Balance, $
Total
234,027.44
  • Equity Appreciation, $
Total
122,055.11
Home Purchase Benefits
52,729.09

Is it financially better to buy a home or to rent? The answer to this question depends upon how much the home costs, how much you are paying for rent, and how much you will have to pay each year in order to maintain your home.

If you were to pay 800.00 per month, for example, and the average rental payment increase was 4.00, you would pay 51,996.70 in a 5 year period toward rent. If you purchased a home and borrowed 250,000.00 with a 6.50 interest rate, and you paid 900.00 every year toward its maintenance, you would pay 125,872.72 in a 5 year period toward mortgage payments if your Federal tax rate is 26.00, you pay 3,000.00 in taxes each year and your annual insurance rate is 1,500.00.

When you consider your tax benefits and the appreciation of your home, however, you will actually SAVE money by purchasing a home. If your home shows an annual appreciation of 5.00 and your selling cost is 7.00, your house appreciation value will be 382,884.47. As a result, your total home purchase benefit will amount to 52,729.09.

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4.88 of 5.00
Our average client rating. YTD 01/2023 on experience.com

"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."

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Justin Messer
President and CEO
President and CEO
Justin Messer
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prosperity
todd.henley@phmloans.com
todd.henley@phmloans.com
todd.henley@phmloans.com
Alpharetta
todd.henley@phmloans.com
1644440684524367
Text Link
Todd Henley
todd.henley@phmloans.com
404-313-5855
247911