Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
Great Rates. 5-Star Service. Giving back to the community with every loan. That’s the consistently positive result clients will achieve with Tracy Leddy as their Mortgage Consultant with Prosperity Home Mortgage.
Backed by a dedicated team of loan assistants, processors, underwriters and closing specialists and supported by cutting edge technology designed to simplify the mortgage process, Tracy delivers a smart mortgage solution every time. Rates, service, clear and responsive communications. That’s what clients get when working with Tracy and his team at Prosperity.
Having raised 4 kids in the same community for 20+ years and having volunteered at numerous non-profits from the local preschool to area civic organizations, Tracy knows homes are best in communities that care. To that end, Tracy is donating $100 from his salary for each funded loan to area non-profits. To date, Tracy’s efforts have resulted in more than $31,000 to local charities! So at every closing, clients can be assured that Tracy has delivered the smartest mortgage solution for them while also doing good for the community they live in.*
*At the time of closing, a $100 donation will be made to the Mortgages for a Cause Fund of the Chicago Community Foundation for later distribution to a local charity. Donations are valid for all loans closed from 10/01/2022 through 12/31/2023. Prosperity Home Mortgage is not affiliated with the Chicago Community Foundation nor does Prosperity Home Mortgage sponsor or endorse the Chicago Community Foundation. Applicant subject to credit approval. If loan does not close for any reason, donation will not be made. This offer and/or receipt of application does not represent an approval for financing or interest rate guarantee. This offer cannot be redeemed for cash/has no cash value. Restrictions may apply, contact Prosperity Home Mortgage for current rates or more information.
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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
1500
+
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Pathway To Prosperity
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Pathway To Prosperity
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Pathway To Prosperity
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.
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"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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