derekalverson.phmloans.comDerek Alverson - Prosperity Home Mortgage, LLC

Loans & Programs Loan Types First Time Home Buyer Loan Options Unique Loans and Products Refinance Pathway to Prosperity Mortgage 101 Mortgage 101 Mortgage Calculators Educational Videos Find Us Find a Mortgage Consultant Community Lending Explore Our Family of Brands Brokerage PartnersAbout Prosperity Leadership Team Testimonials Career Opportunities Blog & News Contact Us Contact Us FHA Case Number Transfer Customer Service Payments Career Opportunities Apply Now Blog & News My Account Apply Now Hi, I’m Derek... Your Senior Mortgage Consultant Your Mortgage Consultants We make the home loan process as simple as possible by guiding you through every step. Buy a Home Refinance a Home Apply Now Derek Alverson NMLS 244650 Derek Alverson Senior Mortgage Consultant NMLS 244650 State license State licenses Schedule a call Personal information Name Derek Alverson NMLS 244650 Contact BIO Cell Phone 804-647-7018 Office Phone Email derek.alverson@phmloans.com Fax 703-293-4006 Social Address: 5702 Grove Avenue Richmond , VA , 23226 Languages: Email: derek.alverson@phmloans.com Awards received No items found. 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? APPLY FOR A COOP OR CONDO LOAN PREQUALIFICATION LETTER. It includes a review of your REBNY Financial Statement.This service is complimentary. PREQUALIFICATION PROS There is peace of mind incompleting this early step in the homebuying process. EXPEDITED SERVICE Typical turnaround times are 24 to 48 hours. We’re open on weekends too. Apply for Coop Condo prequalification letter STRENGTHEN YOUR OFFER Your Coop or Condo offer stands out to sellers when you use this complimentary service. Ask Us About Pathway To Prosperity Learn more Ask Us About Pathway To Prosperity Learn more Ask Us About Pathway To Prosperity Learn more What’s your home worth? Get your free home valuation report! Loading... 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 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. Have more questions? I’ve got answers. Let’s talk! What our customers are saying More reviews See all reviews Get a Personal Consultation Schedule a call Calculate Your Mortgage Payment Monthly Mortgage Payment Rent vs. Buy Home Refinance Learn more Home Purchase Learn more "Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend." 4.88 of 5.00 Our average client rating. YTD 01/2023 on experience.com Justin Messer President and CEO Justin Messer President and CEO Explore the local area. Find restaurants, delivery, movers, and more... DELIVERY RESTAURANTS shops entertainment Farmhouse Kitchen Thai Cuisine 3133 reviews They increased prices 2x after they redecorated. Decent food but Not worth it in my opinion. Should be $$$ Read more on Yelp (415) 592-8232 San Francisco, CA710 Florida St SEARCH ENGINE IS POWERED BY Ready to become a homeowner? Let’s do it right now! Get Started My Home Mortgage The ProsperityNow app is a mobile application that helps Loan Officers enhance relationships, stay ahead of the competition and close loans faster! Loan Officers stay front and center with individually branded apps! Get our app for free! APPLE STORE 4.8 • 3K Ratings GOOGLE PLAY 4.8 • 3K Ratings Articles No items found. 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