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Introducing HomeSense

New Home Loan Option Offering No Income Restrictions

So you have decided to buy a home, but you are looking for a mortgage option with a low down payment, flexible sources of funds, and no income restrictions.  Good news!  In certain states, Prosperity Home Mortgage, LLC (Prosperity) now offers HomeSense, a program that may make sense for home buyers like you.1  HomeSense presents a responsible path to homeownership for first-time home buyers and low-to-moderate income borrowers that includes stable fixed-rate options.

Here are some advantages of HomeSense:

  • No income restrictions
  • Flexible down payment sources with as little as 3% down
  • Down payment does not need to be from borrower’s own funds
  • Reduced, cancelable Mortgage Insurance (MI)
  • No credit score required with a 5% down payment
  • Boarder/Rental income allowed
  • Up to 6% interested party contributions allowed

“As a mortgage company, we are committed to offering stable, responsible financing options to our customers,” said Tim Wilson, president and CEO of Prosperity.  “That’s why we are pleased to offer HomeSense—a competitive, fixed-rate loan that matches a variety of clients’ needs and helps prospective home buyers become more confident about jumping into the housing market.”

In addition to a low down payment and fixed interest rate, qualified buyers who choose HomeSense financing will also have an opportunity to receive homeownership education and counseling to help them prepare for the responsibility of owning a home.

Randy Krout, president of sales at Prosperity, expanded on Wilson’s thoughts. “For customers who have limited credit or funds, making sure they are comfortable with their monthly mortgage payment is our top priority,” said Krout.  “HomeSense may be a great opportunity for certain customers to obtain financing and enjoy homeownership for years to come.”


To learn more about HomeSense, contact your local mortgage consultant.




HomeSense may not be the best mortgage product for all borrowers. Please consult your mortgage consultant to discuss your financing options.

1. HomeSense is available in Florida, Georgia, Maryland, North Carolina, Pennsylvania, and Virginia only. Ask a mortgage consultant for the maximum loan amount in your area.

All first mortgage products are provided by Prosperity Home Mortgage, LLC. (877) 275-1762. Prosperity Home Mortgage, LLC products may not be available in all areas. Not all borrowers will qualify. Licensed by the NJ Department of Banking and Insurance.  Licensed by the Delaware State Bank Commissioner.  Also licensed in District of Columbia, Florida, Georgia, Indiana, Maryland, Michigan, North Carolina, Pennsylvania, South Carolina, Tennessee, Virginia, and West Virginia.

NMLS ID #75164 (NMLS Consumer Access at

©2018 Prosperity Home Mortgage, LLC. All Rights Reserved.

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