The CompetivEdgeSM Pledge

The Edge You Need in Today's Competitive Market

Buying a Home? Start with Prosperity prior to shopping for a home and receive these outstanding CompetivEdgeSM benefits.

Let’s make S.U.R.E. your offer stands out!  Give Yourself a CompetitivEdgeSM.

CompetitivEdgeSM Benefits Include:

Exclusive HomeSURE Advantage1

An offer that is HomeSURE approved, not just pre-approved!

Secure Financing Up Front

Underwritten Loan Commitment

Ready to Buy TODAY

Expedited Loan Closings

$30,000 On-Time Closing Guarantee2

Seller Closing Guarantee:

If the loan does not close as scheduled, we will pay the seller $15,000.

Real Estate Brokerage Closing Guarantee:

If the loan does not close as scheduled, we will also pay the listing real estate brokerage $15,000.

The CompetitivEdgeSM Pledge

Home Buyers: Offers will stand out from others, putting them in the best position to win.

Home Sellers: Prosperity buyers are well-qualified with a commitment letter in hand and financing mostly complete.

Real Estate Agents: The sale will close on time, resulting in satisfied buyers and sellers.

Contact Us for More Information.

1. HomeSURE Advantage is not a final loan approval or a guarantee to lend. A Commitment Letter is based on verified information and documentation provided by the borrower and a review of the borrower's credit report. The interest rate and type of mortgage used to approve borrower for a specified loan amount is subject to change, which may also change the terms of approval. If the interest rate used for credit approval has changed, borrower may need to re-qualify. Information provided by borrower is subject to review and all other loan conditions must be met. After a borrower has chosen a home and the purchase offer has been accepted, final loan approval will be contingent upon obtaining an acceptable appraisal and title commitment. Additional documentation and loan qualifications may be required. Not all borrowers will qualify. May not be available in all areas.
2. Some restrictions may apply. The Closing Guarantee is only available on HomeSURE Advantage-designated, conventional, FHA and VA loans with a valid Commitment Letter issued by Prosperity Home Mortgage, LLC (“Prosperity”), in writing prior to execution of fully ratified sales contract. Some jumbo loan programs may be eligible at the sole discretion of Prosperity. Brokered jumbo loans are NOT eligible, and any jumbo loan programs requiring investor preapproval are NOT eligible. The Closing Guarantee is NOT available on renovation loan products, loans for the purchase of cooperative housing units, or loans involving any sort or type of bond, grant, down payment assistance, mortgage credit certificate, or any other non-profit, municipal, or housing authority program. For conventional loans, FHA loans, and VA loans, an acceptable appraisal must be received and approved by Prosperity at least ten (10) business days prior to closing or loan is not eligible for Closing Guarantee. The Commitment Agreement has an expiration date, which, solely for purposes of eligibility for the Closing Guarantee, may not be extended. The loan must close on or before the expiration date contained in the initial Commitment Agreement issued by Prosperity. Subject to acceptable appraisal of property value at or above contract sales price. The Closing Guarantee is subject to the satisfaction by the Borrower(s) of all loan conditions identified in the Commitment Agreement at least three (3) business days prior to closing or as otherwise determined by Prosperity in its sole discretion. The Closing Guarantee is not valid if either Borrower(s) or Seller terminate the purchase contract, extend the settlement date, or otherwise choose not to consummate the transaction for any reason whatsoever. The Closing Guarantee is invalid if there is a substantial change in the Borrower’s financial condition or to the terms of either the loan, loan product, loan type, or the purchase contract between Borrower(s) and Seller. The Closing Guarantee is void in the event closing is delayed or cancelled as a direct result of an unforeseen disruption of service; an act of God; a national, state, or local emergency; pandemic; natural disaster; or other public health declaration. This offer is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before 12/31/2025. The Closing Guarantee is limited solely to the transaction and subject property identified herein.

*Not all borrowers will qualify

*Not all borrowers will qualify

More Loan Types

Fixed & adjustable rate mortgages
These are two of the most popular loan types when buying a home or refinancing your mortgage.
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FHA and VA mortgage programs
Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) loans are popular homebuyer...
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FHA streamline
Allows qualified borrowers to refinance a current FHA mortgage loan to a lower interest rate more quickly and ...
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VA loans
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Rapid Close ™
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Uplift
Our Uplift program ensures all FHA and VA qualified customers receive low rates and fees, which will reduce ...
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USDA Loans
Offers eligible borrowers in rural areas with no-down-payment financing options. These loans must meet certain criteria.
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Jumbo (Non-Conforming) Loans
Provide financing for loan amounts higher than the maximum conforming limits set by Fannie Mae and Freddie Mac.
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FNMA HomeReady ™
FNMA HomeReady™ by Fannie Mae is designed to help qualified borrowers in designated low-income, minority, and ...
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First Time Homebuyer Loan Options
Great news! With the many options now available for qualified buyers, you may be able to buy a home sooner...
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Low Down Payment
Qualified first-time home buyers may be able to get a conventional loan for as little as a 3% down.
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FHA Streamline
Allows qualified borrowers to refinance a current FHA mortgage loan to a lower interest rate more quickly and ...
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USDA Loans
Offers eligible borrowers in rural areas with no-down-payment financing options. These loans must meet certain criteria.
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3% Down First Time Homebuyer Program
Is your savings account standing between you and homeownership? We may be able to help.
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Lock, Shop & Home
We understand rising interest rates are a concern while searching for a home, but our Lock, Shop & Home program may ...
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XLR8
XLR8 is an expedited mortgage approval process designed to allow us to verify a borrower’s credit, assets and ...
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Real Estate Investor Loan Programs
Let us help you reach your real estate investment goals with a variety of different programs.
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Good Neighbor Next Door
Contribute to the revitalization of your community while becoming a homeowner.
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Wedding Gift Funds
Planning your wedding or just married? Congratulations! If you’ve decided the next step in your life together will ...
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Calculate Your Mortgage Payment
Find out what your monthly payment will be with applicable finance charges, PMI, hazard insurance, and property taxes.
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Basics of Buying
Follow these helpful tips when applying for a mortgage to help make the process go smoothly.
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Things to Provide: Document Checklist
Use this handy checklist to gather documents for your home loan.
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Mortgage Process Roadmap
Wondering what to expect from start to finish when it comes to obtaining financing for your mortgage? Find out below.
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Understanding Your Credit Score
Learn about the 5 components that determine your credit score and how to manage it.
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Mortgage Glossary
Not sure what appraisal, escrow or private mortgage insurance are? Find out about these mortgage terms and more.
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The CompetivEdgeSM Pledge
Shopping for a Home? Get the CompetivEdgeSM to get the confidence you need in Today's Competive Market!
Learn more