mortgage consultant

customer service representative

sales coordinator

loan officer

sales leader

Prosperity-Home-Mortgage

My day usually starts at 6:00 am until 9:00 pm.  Those are the hours I make myself available to agents and borrowers...7 days a week.  I have learned the meaning of flexibility and time management.  I have originated loans for 13+ years.  I have worked for the "big banks" and credit unions.    I was retired but was asked if I would talk with Prosperity and think about re-entering the career again.   My first impulse was to say no because I had been let down by previous lenders before.  They always over promise and can't deliver what they have promised.   I am so happy I did take the "leap of faith". My manager is OUTSTANDING and is supportive of me every step of the way.  If there is a negative that my manager and I need to address he always offsets it with a positive. The workplace culture is one to be respected and embraced.  The complete PHM team is a pleasure to work with and are prompt with answers and help.  The Encompass team is the best I have ever worked with and are always upbeat even though they are busy beyond description.  Sometime when I just can't figure out something on an application I know that I can call them and they will coach me to get it resolved.  Very patient people.  I have been with the company for several months and rather than to spend excessive time to figure something out I know they are there to help me.  The Encompass training class is outstanding and again the presenters are patient and always take time for questions. The hardest part of the job is having to tell someone they can't qualify but have learned in my career to give them hope by saying lets make a plan on what needs to be done to get you to the next step. The support for social media is always accessible and great support material for borrowers and agents are available.  The best part of the job is being at the closing and seeing them get the keys to their new home.  I love this part and PHM Loans makes this happen.   LOVE everything about this organization.

Best employer! My typical day starts off with 'Good Mornings' and 'How are you?' And ends with 'Thanks You' and 'We appreciate all you do!'. Everyone here genuinely takes the time to show they care for one another here. The basic values of the company are implemented everyday by each employee or shall I say team member.

The mortgage consultants are polite and always show gratitude for our hard work. As a processor, most of the files are straight forward and clean. For those that aren't the MCs and team will help in anyway possible to help find solutions.

The atmosphere is more like a family here. Everyone pitches in to help do what we all love to do, which is to help people obtain their dream home in many cases. If you need your hours to fit a particular schedule with most job titles they are able to accommodate. Sick days, PTO, or Vacation are never a problem. They do not pressure you to work through your plans or unforeseen emergency.

Pay is also great. Overtime is always there but not mandatory. They also have a pretty good bonus system, benefits, and retirement plan. I love it here. They really go above and beyond to make a stressful face paced and customer service driven position comfortable for the realistic lifestyles we have. They won't treat like a robot here but a human being. 

Training is always available and they even send out regulation updates as soon as they are updated by any of our investors! The environment here is driven by customer service, learning and growing methods and not ego. More over, as a women of color, the abundance of diversity and open-mindedness really makes it comfortable for people of all races, backgrounds or etc. to not just fit into this team but to also be recognized and heard.

Most of the employees here have been here for years and don't plan on going anywhere because it is that comfortable. Just do your job and you will be rewarded for it. Simple as that.

My day at the office started with saying hello to who was already in the office, turning on my computer and starting all the other software. I answered emails and phone messages and when my boss arrived and settled in, we talked about clients and what he wanted me to do for the day.  I would work with current clients, making sure we had all the necessary documents needed for loan processing.  
  When we had new clients, I would introduce myself by email or phone and work on their loan applications if brand new or instruct them on what  the process was and what documents were needed for loan processing. If necessary, I would print the loan disclosures or send them by secure email to new clients with new home contracts. 
  I worked with the agents in the office and agents outside the office, giving them updates on their clients loans and getting information from them if necessary. Once a week, I would have a call from our processor at our operations center to get updates on the loans in process and answer any questions the processor had on any of the loans. 
  My boss, the mortgage consultant would average about $3,000,000 or more in new loans each month and closing about the much in the month as well.
 My other daily activities were to complete reports when necessary on sales volume and opportunities, checked on the marketing software for status of the marketing pieces, adding new clients or referral partners.
During the football season, we would have a company football pool for the agents as well as the Superbowl pool. This was an enjoyable activity as the agents were very competitive amongst themselves.

Prosperity offers the right balance of appreciation for both Sales and Operations - not something common in the mortgage industry. Their commitment to technology allows employees to work smarter and more efficiently. This dedication leads to increased opportunities to help borrowers achieve home ownership - the ultimate reward from our daily efforts! From the CEO to local management, the employee appreciation cultivates a work family dynamic - making Prosperity truly a home away from home. Prosperity offers equitable pay, comprehensive benefits and even has a unique employee recognition platform. Prosperity not only cares about its employees, but is also community focused and works tirelessly to develop unique programs for all borrowers. These programs provide mortgage consultants a competitive edge to originate more loans.  While we can all agree the mortgage industry is fast paced and highly stressful, working for Prosperity provides an atmosphere poised to tackle the day with a grateful heart and can do attitude! With many years of mortgage experience, I can confidently say I'm blessed to be a part of this incredible company.

A typical day here at Prosperity Home Mortgage is very different each day, some days it is everyone overwhelmed and stressed out due to the work load, but still will take time out of there day to make sure that the people around them are okay and some days are easy and have plenty of time to make sure that the work we have done are correct. I came into this company with zero knowledge about this industry. Know after almost a year of being here I have learned so much and still learning new stuff everyday. Management is very open minded about everything and knows when to speak up about subjects that need fixed. The hardest part of the day is honestly just staying on top of the work load and not getting behind. Our team has been doing amazing catching up but its easy to get behind. The best part about my day is the work environment, I have worked in many different types of environments and this is no doubt the best work place to be apart of. A great team does affect the work ethic.

Having been with the company for several years, I've seen it go through a lot of changes, but one thing that has been consistent is continual, positive growth. This is a strong, well-run company that is poised to stay competitive well into the future. I especially appreciate the focus that's put onto community lending and giving back through organizations like Habitat for Humanity. The hardest part of most jobs here is handling the volume of work at certain times.  Refinance booms and the annual spring/summer market is always challenging, but I also believe that management understands the stress of the job and acts to make the workplace better and compensate employees. The best part of the company is that it invests heavily in technology, which allows for an easier loan process for customers, plus a more flexible work/life balance for employees by providing the ability to work from home.

Prosperity Home Mortgage offers a wonderful opportunity for everyone to learn, grow and succeed in a team enivronement. If you want to take your career to the next level, and have fun while your doing it, PHM is the right place for you !

Management is engaged and in touch with what is going on in the trenches. They consistantly make decisions that positively impact the life's of their employees.

When it comes to building your mortgage business; PHM takes care of you on the front and back end. Front End:  Broad Product Mix, Very Competitive Pricing, and Outstanding Service. Back End: Best in Class Operations Team with Encompass and All Regs, Amazing Sales Tools - Goldmine, Total Expert, and Personal Marketing Team.

What is the best part of working at the company?
I really Loved my branch - family caring.  Branch manager and area manager was always available, very knowledgeable, and being humble in their roll. I would recommend this company. 

What is the most stressful part about working at the company?
The most stressful part of working at the branch was not having in-house closer. Getting closing disclosure documents in a timely manner 

What is the work environment and culture like at the company?

The office was very family oriented and they thought about holidays. They sent flowers on Mother’s Day, and thought about birthdays and always had a Events for the past and present customers including the agents they loved on the internal and external customers.

zero support here.  No training, but if you mess anything up it's on you.   The "askwho" team is less than helpful,  unless your management.  They set up a SharePoint that is supposed to answer any questions you may have (because heaven forbid your manager answer any question) yet not everything can be addressed here.  Communication here sucks and is non existent.  Too bad the owners aren't truly aware of how some positions are treated.   No Communication,  rat race and time spent chasing your tail while MC sits back and asks you questions they could find out for themselves (lazy and allowed to be).  Most a backwards company I've ever worked for. 

Top Job Titles	Average Salary
Mortgage consultant 1 salary reported	$54,507 per year
Customer service representative 1 salary reported	$19.50 per hour
Sales coordinator 1 salary reported	$18.56 per hour
Loan officer 2 salaries reported	$238,691 per year
Sales leader 1 salary reported	$175,000 per year

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