Romy Espino
Mortgage Consultant at Prosperity Home Mortgage, Llc
Based in Washington, United States
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Seniority
Staff
Department
Sales & Business Development
Location
Washington
Industry
Financial Services
Company size
1.1K
Contact information
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r•••••••@phmloans.com
Phone
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Background
About Romy Espino
As of January 2nd, 2014, Prosperity Home Mortgage, LLC opened as a wholly owned subsidiary of Long & Foster Companies, transitioning from a joint venture between Long & Foster and Wells Fargo Ventures. Prosperity Home Mortgage is a direct seller/servicer for Fannie Mae, and Freddie Mac. Prosperity Home Mortgage remains a mortgage banker as we previously were (not a broker), but instead of selling our loans to Wells Fargo, we sell them directly to the agencies (that is, Fannie Mae, Freddie, Mac, and Ginnie Mae), in addition to outside investors.The big benefit in this process is that we now create our own guidelines and policies that fit the needs of our clients. Prosperity Home Mortgage is structured for the Purchase environment, with over 75% of our business generated by purchase transactions including realtors.Prosperity Home Mortgage will continue offering in-house processing, underwriting, and closing at the five operations centers across our footprint (our local operations center is in King Farm, Rockville in VA, DC, MD, GA, TX, NE & FLNMLS # 176685
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