Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
500 Village Center Drive
Every one of our Mortgage Consultants can walk you through our products in detail – probably more detail than you want, in fact. So they definitely know their stuff.
More importantly, they want to know about you: What's your goal?
Visit us in Fort Myers, FL
About ME
Empowering Our Community Through 18 Years of Expert Lending Support.
With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.
18
+ Years
1500
+
Ask Us About
Pathway To Prosperity
Ask Us About
Pathway To Prosperity
I'm here to answer allyour 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 payments 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.
What our customers are saying
I’m a semi regular purchaser of property, so my experience is one of familiarity with the process. Lori was very accessible and timely with her communication. She made it easy to keep up with paperwork needs along the way.
Everyone was helpful and kept communication with me along the way!
Working with Lori Perpich at Prosperity Home Mortgage was an absolute dream! From start to finish, she made the loan process smooth, stress-free, and even enjoyable. Lori is not only incredibly knowledgeable and professional, but she is also warm, personable, and genuinely invested in our success. We encountered a few unexpected hurdles along the way, and Lori handled each challenge with creativity, determination, and expert problem-solving skills. She went above and beyond to ensure we got the best possible loan, keeping us informed and reassured at every step. It was clear that she truly cared about our family and was committed to making our home-buying experience as seamless as possible. If you're looking for someone who is exceptionally skilled, responsive, and an absolute pleasure to work with, Lori is the one! We can't recommend her highly enough and are so grateful for her guidance and support!
Working with Lori Perpich at Prosperity Home Mortgage was an absolute dream! From start to finish, she made the loan process smooth, stress-free, and even enjoyable. Lori is not only incredibly knowledgeable and professional, but she is also warm, personable, and genuinely invested in our success. We encountered a few unexpected hurdles along the way, and Lori handled each challenge with creativity, determination, and expert problem-solving skills. She went above and beyond to ensure we got the best possible loan, keeping us informed and reassured at every step. It was clear that she truly cared about our family and was committed to making our home-buying experience as seamless as possible. If you're looking for someone who is exceptionally skilled, responsive, and an absolute pleasure to work with, Lori is the one! We can't recommend her highly enough and are so grateful for her guidance and support!
Lori was very timely, very professional, and overall great to work
She was with me the entire journey, it took me 3 years but she was always there
So helpful and understandin! couldn't recommend Lori enough! Thanks!
Lori has always been a pleasure to work with, she is extremely knowledgeable in answering all questions and has a clear communication style making the process as seamless as possible.
Lori provided helpful and useful information with clear communication throughout the whole process. She was great to work with!
Lori was very good in keeping me informed as to the process and very receptive to my questions. She was also very easy to deal with and very understanding when I had maybe wasn't making much sense. She also got back to me very quickly with any answers that she had for me. Great to deal with. I would recommend her very highly to anyone.
Always a pleasure working with Lori!
Great communication and easy process!
I appreciated the clear communication and feeling like I could ask any question I had.
Lori was always responsive, informative and helpful throughout our loan process!
She's the best in the business! Always does a great jon for my clients.
Lori is professional, knowledgeable and experienced. Always follows through and is a good communicator. Lori is great to work with. I
We have worked with Lori for both the purchase of our home and our cabin property, and had a wonderful experience both times. Lori was quick to answer our questions, kept us informed and updated during the entire process, and made everything very clear. We would recommend Lori and Edina Realty Mortgage to anyone! Thank you, Lori!
In the prior weeks to closing I decided to go with Lori and she made sure I got to my original closing date. The communication was great and she helped me understand everything that was going on and it was relieving to get the process completed and make it to closing
Very easy to communicate with Lori! She was responsive and quick to get us the information we needed so we knew what to expect
Lori was the last person I had talked to in the process to getting my house. She worked with me all the way from start to finish, coaching me on what I needed in order to get my first home.
I’m a semi regular purchaser of property, so my experience is one of familiarity with the process. Lori was very accessible and timely with her communication. She made it easy to keep up with paperwork needs along the way.
Everyone was helpful and kept communication with me along the way!
Working with Lori Perpich at Prosperity Home Mortgage was an absolute dream! From start to finish, she made the loan process smooth, stress-free, and even enjoyable. Lori is not only incredibly knowledgeable and professional, but she is also warm, personable, and genuinely invested in our success. We encountered a few unexpected hurdles along the way, and Lori handled each challenge with creativity, determination, and expert problem-solving skills. She went above and beyond to ensure we got the best possible loan, keeping us informed and reassured at every step. It was clear that she truly cared about our family and was committed to making our home-buying experience as seamless as possible. If you're looking for someone who is exceptionally skilled, responsive, and an absolute pleasure to work with, Lori is the one! We can't recommend her highly enough and are so grateful for her guidance and support!
Working with Lori Perpich at Prosperity Home Mortgage was an absolute dream! From start to finish, she made the loan process smooth, stress-free, and even enjoyable. Lori is not only incredibly knowledgeable and professional, but she is also warm, personable, and genuinely invested in our success. We encountered a few unexpected hurdles along the way, and Lori handled each challenge with creativity, determination, and expert problem-solving skills. She went above and beyond to ensure we got the best possible loan, keeping us informed and reassured at every step. It was clear that she truly cared about our family and was committed to making our home-buying experience as seamless as possible. If you're looking for someone who is exceptionally skilled, responsive, and an absolute pleasure to work with, Lori is the one! We can't recommend her highly enough and are so grateful for her guidance and support!
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"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
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