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Prospera Home Loansput your roots down

Here for you every step of the way. Because buying a home is a BIG deal.

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Fixed-rate, adjustable and low down payment home loan options

Buying a home is amazing. It’s exciting, but it can be overwhelming, too. Let our Mortgage Partners help with the overwhelming part so you can focus on the good stuff! We have three options listed below. We’ll help you choose the one that works best for your unique situation.

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Fixed-Rate Mortgage

Have you found the one and you’re never moving again? Then the security of a fixed rate is the right choice for you. There are multiple terms to choose from – 10, 15, 20 and 30 years.

Adjustable-Rate Mortgage

Also known as an ARM. Sometimes the idea of an adjustable-rate worries people. But, if you plan to be in this home for 10 years or less, this really is an ideal option for you.

It’s a fixed rate for a portion of the term and adjustable thereafter. It often provides a lower rate up front and therefore a lower monthly payment during the portion of the term when the rate is fixed. Multiple options here as well – 3, 5, 7 and 10 years.

Low Down Payment Options

The thought of putting a large down payment on a house can be daunting, to say the least. Qualified borrowers can make down payments as low as 3%. (Whew.)

In addition, Prospera has some home loan specials where community heroes/experts¹ can make down payments as low as 1% – plus, gifts and grants are allowed! Say what?!

Apply Online Now In 15-20 Minutes

Get details, view mortgage rates and get expert help along the way.

Contact a Prospera Mortgage Lender Directly

Cheryl Ellis

Senior Mortgage Lender, NMLS #756300


Matt Eldred

Director of Mortgage Lending, NMLS# 426018


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Spread the word. We’ll pay you for It.

If you think Prospera could help your friends, family, co-workers or whomever, a referral is the greatest compliment. We’ll show our appreciation with $50 cash for each mortgage.²

When they apply for a mortgage, make sure they specifically note who referred them. We’ll take care of the rest.

¹Applies to Community Hero professions such as teachers, firefighters, police officers, emergency medical technicians and paramedics, as well as Community Expert professions such as CPAs, PHDs, Architects, Mortgage Bankers and Actuaries.

²Offer valid on first mortgage only; no investment or commercial properties. Referral bonus is considered income; a 1099 will be issued. Offers not valid with other promotions and not transferable. Offers dependent on credit approval and acceptance. Certain restrictions apply. Account must be in good standing to receive bonuses. Good standing means that the checking account opened in conjunction with this promotion is not negative (including sub-accounts opened on or after the share savings is opened), all loans associated with the account are current (including loans opened on or after the share savings is opened) and there are no charge-off’s or blocked persons associated with the account.


Closing costs may vary.