Hi! I'm Chris...
Your Executive Mortgage Consultant!
We make the home loan process as simple as possible by guiding you through every step.
Chris LaRose
Senior Mortgage Consultant
NMLSR: 179133
Welcome to my website! With over two (2) decades of experience as a senior mortgage consultant, I have had the privilege of assisting countless individuals and families in achieving their homeownership dreams.
Throughout my career, I have developed a deep understanding of the ever-changing mortgage landscape and the unique challenges that borrowers face. My expertise spans a wide range of mortgage products, including conventional, jumbo, VA, FHA, USDA, down payment assistance loans, and more. Whether you’re a first-time homebuyer or a seasoned investor, I am here to guide you through the mortgage process and help you make informed decisions.
What sets me apart is my unwavering commitment to personalized service and attention to detail. I take the time to listen to your specific needs and goals, ensuring that I find the mortgage solution that best suits your financial situation. I believe in transparency and open communication, making sure you are well-informed at every step of the way.
In 2010, I was hired by Prosperity Home Mortgage and have continued to grow my reputation as an honest, trustworthy, and reliable mortgage consultant throughout Virginia, Maryland, and DC. I have remained with Prosperity because they share my values, dedication to customer service, and enable me to secure competitive rates and favorable terms for my clients. I understand that obtaining a mortgage can seem daunting, but rest assured, I will be your trusted advocate, simplifying the process and ensuring a smooth transaction from start to finish.
Beyond my professional expertise, I am passionate about empowering individuals with financial knowledge. Through my website, I aim to provide valuable resources, articles, and tips to help you navigate the mortgage market and make informed decisions about your financial future.
Thank you for visiting my website. I look forward to the opportunity to work with you, providing exceptional mortgage consulting services and helping you achieve your homeownership goals.
For J.D. Power 2024 Award information, visit www.jdpower.com/awards
Home financing tailored to meet your needs
We have a full suite of mortgage programs to meet your needs and give you a competitive edge:
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01Fixed & adjustable rate mortgages
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02Federal Housing administration loans (FHA)
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03Veterans affairs loans (VA)
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04Renovation financing
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05Jumbo loans
Know Your Monthly Mortgage Payment
Justin Messer
President and CEO
"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
4.96 of 5.00
Our average client rating. YTD 12/2021 on experience.com
I'm here to answer all
your mortgage questions
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Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
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Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
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What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
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What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
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Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
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What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Take a look
inside our world
Looking at how we do business at Prosperity Home Mortgage is as simple as a conversation. Are you ready to step inside?
Chris LaRose
Senior Mortgage Consultant
NMLSR: 179133