Whether you are refinancing, buying your first home, condo or co-op, investment property or even having a home newly built, Prospect has the loan program to fit your needs!

As one of the nation's largest independent residential retail lenders with over 200 locations across the country, we help thousands of people every month through the mortgage process to secure home financing. Because we're a local lender, it's your choice to work with us over the internet, by phone or come in and sit with us face-to-face.

Home Purchase

Ready to buy? We can answer your questions and help you with a loan pre-approval* so you can home shop with confidence. You'll know your budget and what you can afford to make an offer on a home. Learn more »

*The Prospect pre-approval is conditional and subject to the following conditions: Verification of all information provided by the customer; satisfactory appraisal of the subject property; satisfactory title search; fully executed sales contract; and underwriter review and approval of the complete loan file. This list is not exhaustive and other items may be required. The conditional pre-approval is not a commitment to lend or for a specific rate.


Refinancing can make sense when a new loan can save you money or is a better fit for your long-term goals. Is a refinance right for you? Our Loan Officers can show you all the options and help you decide which products fit those goals. Learn more »

203(k) Renovation Loans

With our Dream Remodel Loan you can create the home you've always wanted. The best part is you won't need cash or equity to pay for the renovations!

Renovation loans give customers the ability to purchase or refinance, and roll home improvement costs on the property into the same loan all with one closing.
Learn more »

VA Loans

Prospect Mortgage specializes in government loans including FHA, USDA and VA loans. We are committed to giving back to the communities we serve, including Veterans who have served in the U.S. Military.
Learn more »

Fannie Mae Foreclosure Loans

Buying a foreclosure from Fannie Mae can be a great way to get the house you want at an affordable price. Prospect Mortgage has many loan programs that are perfect for purchasing your foreclosure. We can even provide funds to upgrade the home with no additional down payment! Learn more »

Tools & Information

Prospect wants your home-financing experience to be as easy, simple and stress-free as possible. That's why we provide resources to help you understand and work through the mortgage loan process.

About Prospect

Mortgage Blog

Get Set to Renovate!

Learn how our customers' homeownership dreams are coming true by watching Prospect's nationally televised commercial. As seen on TLC, HGTV, IFC and other networks, the commercial will show you how the Prospect Mortgage Dream Remodel Loan can turn a good house into a perfect home.

Watch the commercial, read about real-life customers and learn more about renovation benefits here »

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