Andy Alderdice | Real Estate Agent | Long & Foster Skip to main content

Home Mortgages Calculator and Tools

When it comes to home financing interest rates and tech-savvy mortgage tools, we can contend with the big banks up on Wall Street.
But, as your local lender up the street, we think we have them beat on service.
On explaining every detail.
On seamlessly coordinating the home buying process.
On building a home loan around your unique needs.

How Much House Can I Afford?

It's the one question every home buyer starts with, but there is no one formula to determine what you can afford. You can estimate your buying power with our quick mortgage calculators. For more specific numbers, talk to one of our mortgage consultants at 877-275-1762.


Home Mortgages Calculators

Home mortgages calculator, quality service

Exceeding on Service

Prosperity Home Mortgage is a local lender aiming to wow you with personalized service while delivering the competitive rates and paperless process you expect.
It makes us nimble enough to get you answers and loan decisions quickly, flexible enough to customize a loan package around your unique financial circumstances, and experienced enough to guide you seamlessly from application to closing.

Prosperity Home Mortgage and Long & Foster

Part of Your Long & Foster Family

Since Prosperity Home Mortgage is a member of the Long & Foster family of companies, your agent can introduce you to local home lending consultants.
Our consultants actually work right alongside the real estate team, insurance agents and settlement pros in many local Long & Foster offices. So the process and paperwork are all perfectly put together before you get to the closing table.

Home buying process

By Your Side on Your Journey Home

With a substantial life change ahead, we can help simplify and demystify your mortgage. Your personal consultants will be on-call to answer all your questions, spell out every acronym, and explain every detail of your transaction.
You'll know exactly what to expect every step of the way. And, we'll help meet those expectations with a smooth home buying process and an on-time closing.

Mortgages 101: The Process


Getting Started

Start shopping for a mortgage before you start shopping for a home.
Get prequalified to estimate your buying power and start a relationship with a Prosperity Home Mortgage consultant. Or, opt for the more in-depth preliminary approval process to help show sellers you are a serious buyer when putting an offer on a home.



Making an Offer

Knowing what you can afford, your Long & Foster agent will help you craft a competitive offer on the home you choose. The offer will include a letter from Prosperity Home Mortgage explaining that you have a preliminary approval for home financing. And, maybe you’ll sweeten the deal with a quick closing, more cash, or a heartfelt note to the sellers.



Completing Financing

If you've already gotten a preliminary approval, your mortgage consultant will update your loan application and help you move forward with the financing process.
You may need to provide more documents or meet certain conditions before getting a final loan decision.



Closing Coordination

Finally, the big day!
Together, your Long & Foster agent and Prosperity Home Mortgage consultant will make sure all of the closing paperwork is squared away.
We'll be by your side with insight and advice until you've initialed every page and signed on every dotted line.


Ready to Get Started?

©2023 Prosperity Home Mortgage, LLC. (877) 275-1762. All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Licensed by the Delaware State Bank Commissioner. Georgia Residential Mortgage Licensee. Massachusetts Mortgage Lender and Mortgage Broker MC75164. Licensed by the NJ Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. Rhode Island Licensed Lender. Rhode Island Licensed Loan Broker. Rhode Island Licensed Third-Party Loan Servicer. Also licensed in AK, AL, AR, AZ, CO, CT, DC, FL, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY. Long & Foster Equal Housing Logo

NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at ©2023 Prosperity Home Mortgage, LLC