NMLS# 365482

Prospect Home Finance

Lender Summary

At Prospect Home Finance, we know your home is probably the largest investment you will make in your life. We are here to advise and guide you in making the right decisions that will best suit you and your family's mortgage needs. We will never try to sell you a mortgage; rather, we are here to guide you down the correct path. Prospect Home Finance is committed to making the loan and buying process as fast and easy as possible. It's an approach that focuses on helping our clients reach their individual goals more quickly and more comfortably. It's the reason so many clients come back to us time and time again for all of their refinancing and purchasing needs. Prospect Home Finance understands that the mortgage industry is a very mature and sophisticated marketplace where pricing and product availability can make or break a mortgage company. We realize that no longer can slick marketing practices and extensive advertising campaigns promote success in the absence of superior pricing. If you don't believe us, check out Prospect Home Finance reviews to see what other LendingTree customers are saying.

What they're saying

Ratings & Reviews
379 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

TERRIBLE advertising and response time

I tried to use an advertisement I received from this company that they would "match any rate" or I would receive $500. They would not match the rate I was quoted from another company, then gave me the run around for WEEKS, dodging my emails, and LIED to me through the process. (I also got a MUCH better rate somewhere else).

Hi Anna, I would like to thank you for bringing this to our attention so that we can improve our business practices. Please accept my sincere apology on behalf of our company. We understand your frustrations with this miscommunication and I am very sorry that your experience with us was less than adequate. Per guidelines stated in the flyer you received, we would have needed to have your loan in Underwriting (Approved with Conditions) in order to match any other lender’s offer. Feel free to reach out if you have any questions here to speak with Sales Managers here: https://prospecthomefinance.com/feedback/ Once again we apologize for any confusing advertisement and not be able to keep you in house. Best regards, Prospect Home Finance
This review is flagged
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review
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Prospect Made It Happen

Prospect Home Finance, and especially our loan officer Jeffrey Johnson, really went out of their way to get this done. I am self-employed and had trouble getting a loan despite ample documented income. Further complicating matters was the fact we bought our house with an owner carry. Jeffrey helped us navigate all that and secure the loan. Definitely recommend Prospect and will come back for the next loan.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Peter Chen has exceeded my expectations.

Peter Chen made the entire process less stressful. Timely response, for all my inquiries. Great communication.
Thank you for all your support and guidance. I would highly recommend Prospect Home Finance.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Prospect Home Finance

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