John Hinrichs
Senior Loan Officer
Direct: 925-784-6410
Fax: 866-493-8068
304 Banner Court
Modesto, CA 95356
Learning Center
Mortgage Education
Before securing financing for a property, it is important to be familiar with the loan process, types of loan programs available, common mortgage terms, and factors affecting your loan, such as credit.
This section contains information that will help you understand how mortgages work and to make informed decisions. However, you should still consult an experienced Loan Officer when you have questions or need advice.
- Frequently Asked Questions
- First-Time Home Buyer Mortgage Information
- The Lending Process
- Home Loan Application Checklist
- Credit Basics
- Pre-Approval vs. Pre-Qualification
- Home Ownership Tax Benefits
- Closing Costs
- Loan Programs
- Adjustable Rate Mortgages (ARMs)
- Why mortgage rates change
- Glossary of Terms
Equal Housing Lender. Prospect Mortgage is located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Prospect Mortgage, LLC (Unique Identifier #3296) is a Delaware limited liability company licensed by the CA Dept. of Corps. under CRMLA and operates with the following licenses: AK Mortgage Lender License #100251; AZ Mortgage Banker License #BK0903027, #BK0909362, #BK0908046, #BK0908050, #BK0908056, BK#0908057, #BK0908058, #BK0908731, BK#0903112, BK#0903912, BK#0906650, BK#0906913; To check the license status of your CO mortgage broker, visit www.dora.state.co.us/real-estate/index.htm; GA Residential Mortgage License #16984; IL Residential Mortgage Licensee #6424; MA Mortgage Lender/Broker License #MC2011; MS Licensed Mortgage Co.; MT Residential Mortgage Lender Licensee #120; NV Division of Mortgage Lending Mortgage Banker #1173 and Mortgage Broker #3095; Licensed by the NH Banking Dept.; Licensed Banker-NJ Dept. of Banking and Insurance #9932415; Operates as Prospect Lending, LLC in NY (Licensed Mortgage Banker-NYS Banking Department); Operates as Prospect Mortgage, LLC of Delaware in OH (Ohio Mortgage Broker Act, Lic # MB.803629.000); OR Mortgage Lender Licensee #ML-2006; PA Dept. of Banking license #1740; RI Licensed Lender #20021343LL, Broker #20041643LB; licensed by the VA State Corp. Commission as MC-2195. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. This is not an offer to enter into a rate lock agreement under MN law, or any other applicable law.