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Hi! I'm Chris...
Your Mortgage Consultant!

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Chris LaRose

Senior Mortgage Consultant

NMLS: 179133

703-786-8919
Address: 4600 Cherry Hill Road, Arlington, VA 22207
Awards received
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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.

Buy a Home
Refinance a Home
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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:

  • 01
    Fixed & adjustable rate mortgages
  • 02
    Federal Housing administration loans (FHA)
  • 03
    Veterans affairs loans (VA)
  • 04
    Renovation financing
  • 05
    Jumbo loans

Where can we help you thrive?

Are you looking to buy your first home? Need help managing your mortgage payment?

Trying to figure out how to afford that renovation? Whatever you situation is, we've got the answers.

Select a module

First time homebuyer

First time homebuyer

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Mortgage management

Mortgage management

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Refinancing

Refinancing

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Self-employed

Self-employed

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Veteran

Veteran

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Equity management

Equity management

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Financial planner

Financial planner

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Estate planning attorney

Estate planning attorney

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Realtor

Realtor

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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

JR

Joseph Reid

5.0

Arlington, VA

Mar 12, 2024

Chris's communication, ability to walk us through the process, and diligence as we progressed was extremely helpful and made us feel confident in our homebuying ability.

JG

Jesse Gonzalez

5.0

Alexandria, VA

Mar 12, 2024

Sound and timely lending advice and responsiveness

KR

Kristin Ricci

5.0

Burke, VA

Mar 21, 2024

Buying a house as a first-time home owner is daunting, but Chris made the process as stress-free as possible. Chris was extremely helpful in answering any questions we had and providing clarity on each step we needed to take throughout the process. He was efficient, responsive, and knowledgeable, making the whole process as painless as possible.

LW

Lansing Wilson

5.0

Ashburn, VA

Mar 21, 2024

Chris was phenomenal. No matter what the questions were or at what time, he was patient, straightforward, and reliable. 10/10 recommend.

MC

Mark Carr

5.0

Burke, VA

Feb 23, 2024

continued communication through the process. no surprises.

DJ

David Jones

5.0

Ashburn, VA

Feb 23, 2024

Chris communicated with me every step of the way, was available whenever I needed assistance, explained everything thoroughly and was simply phenomenal!

TC

Theodore Carlson

5.0

Falls Church, VA

Feb 23, 2024

Everything went smoothly and on time.

CC

Cynthia Carlson

5.0

Falls Church, VA

Feb 23, 2024

Always very pleasant. Well informed. Good communicator. Patient.

MM

Melinda Martinez

5.0

Dunkirk, MD

Mar 12, 2024

Super easy communication back and forth and Chris helped me to understand the process. He listened to my needs and wants and accommodated as much as possible!

GE

George Elias

5.0

Leesburg, VA

Mar 12, 2024

Chris was really great in the weeks leading up to locking in our rate. He was very transparent and I enjoyed discussing the ups and downs of the market and the factors affecting rates. The rate was also competitive relative to others

KZ

Kaitlyn Zito

5.0

Springfield, VA

Mar 12, 2024

Chris was great! He will have me as a forever client!

LW

Laura Wake-Ramos

5.0

Fairfax, VA

Mar 12, 2024

Chris has been patiently working with me for over a year as I was planning for home buying. Now that I am a home owner, I am grateful to have Chris as my mortgage partner!

AM

Abigail Milberg

5.0

Woodbridge, VA

Mar 21, 2024

Chris and the other staff we interacted with were friendly and knew what they were talking about, and we were able to close on time without any hiccups.

ML

Misook Lee

5.0

Annandale, VA

Oct 24, 2023

It’s been a great experience, and I had a piece of mind throughout the whole process.

President and CEO - Justin Messer

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

What is your home worth?

Check current market values for your home and view buyer demand.

I'm here to answer all
your mortgage questions

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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 Loans Mortgage is as simple as a conversation. Are you ready to step inside?

Chris LaRose

Chris LaRose

Senior Mortgage Consultant

NMLS: 179133

Learn More