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Hi! I'm Karen...
Your Mortgage Consultant!

We make the home loan process as simple as possible by guiding you through every step.

Karen Greenberg

Mortgage Consultant

NMLSR: 203286

State license: CA-DOC203286

408-497-1647

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?

Buy a Home
Refinance a Home
Apply now

Ranked #1 in Customer Satisfaction among Mortgage Origination Companies

Home financing tailored to meet your needs

We have a full suite of mortgage programs to meet your needs and give you a competitive edge:

  • 01
    Fixed & adjustable rate mortgages
  • 02
    Federal Housing administration loans (FHA)
  • 03
    Veterans affairs loans (VA)
  • 04
    Renovation financing
  • 05
    Jumbo loans

Where can we help you thrive?

Are you looking to buy your first home? Need help managing your mortgage payment?

Trying to figure out how to afford that renovation? Whatever you situation is, we've got the answers.

Select a module

First time homebuyer

First time homebuyer

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Mortgage management

Mortgage management

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Refinancing

Refinancing

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Self-employed

Self-employed

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Veteran

Veteran

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Equity management

Equity management

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Financial planner

Financial planner

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Estate planning attorney

Estate planning attorney

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Realtor

Realtor

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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

CA

Corina Aguilar

5.0

Oakley, CA

Aug 26, 2024

Karen saved the day! Our previous lender made a last minute change causing us to look for a new lender 4 days into our 21 day escrow. Karen was able to get us approved and onto underwriting right away! We closed right on time and we couldn’t have been happier with Karen and her teams service. They were quick, responsive and extremely helpful throughout the entire process. I’ll recommend Karen and her team to anyone that is looking for a loan!

JC

Jacquelyn Copple

5.0

Menlo Park, CA

Jul 22, 2024

IT WAS EASY!

DH

Daniel Harbor

5.0

San Jose, CA

May 11, 2024

We had a somewhat unique lending situation but, unlike many of the other mortgage providers we spoke with during our loan search, Karen was able to quickly come up with a solution that worked perfectly for us. Additionally, she guaranteed and ensured a prompt close of escrow. It was so straightforward to work with Karen and I would absolutely advise anyone to at least consult with her while searching for a lender, and even more so those in atypical lending situations.

AA

Amey Prakash Asgaonkar

5.0

San Jose, CA

Apr 8, 2024

closed quickly and reliably, great communication along the process.

AB

Antonia Boscacci

5.0

Palo Alto, CA

Mar 23, 2024

Communication

CG

Carole Griggs

5.0

Mountain View, CA

Feb 28, 2024

Karen was very clear, communicative, trustworthy, and efficient. She was great to work with!

MH

Mohit Hemnani

5.0

Mountain View, CA

Feb 16, 2024

Karen was incredibly resourceful and helpful throughout the lending process, helping us with the loan pre approval letter during the home search process, various loan estimates and iterations as we submitted the offer, and a streamlined loan approval and closing process. She made accurate recommendations that helped us submit a very competitive offer and helped us get a very positive outcome.

KT

Kathryn Tomaino

5.0

Mountain View, CA

Feb 14, 2024

Karen communicated clearly and answered my questions promptly. It feels good to always have someone at the other end of the line. Responsiveness is important to me!

JD

Joseph Digiovanni

5.0

Loomis, CA

Dec 11, 2023

Karen's support and professionalism were unwavering during this trying transaction due to my client's challenge with getting homeowners insurance in a high fire danger area.

GR

Gary Rose

5.0

Penn Valley, CA

Oct 6, 2023

Seamless experience.

JH

Janet Hurt

5.0

San Jose, CA

Jul 17, 2023

Karen was very helpful in helping us understand the numbers, helping us through the load process and having all the documents signed via DocuSign was so helpful. We really enjoyed working with Karen and her team

MD

Maria de los Angeles Duffy

5.0

Half Moon Bay, CA

Jun 26, 2023

Customer attention; knowledgeable;;flexible

JA

Justina Awazi

4.8

Antioch, CA

May 22, 2023

The communication and keeping me informed of any amendment made it easy for me.

ED

Emine Doganay

4.8

Sunnyvale, CA

Mar 29, 2023

She is very responsive and professional whenever we asked any question, she answered on time.

MB

Mustafa Bayraktar

5.0

Sunnyvale, CA

Mar 26, 2023

She did great job. She is very responsive. She explains in detail when we ask a question. She promises that she will respond if we have questions going forward. Thank you, Karen. It was a long journey but it is worth.

SK

Sonia Kris

5.0

Santa Clara, CA

Mar 16, 2023

Karen is an awesome mortgage consultant. I am so happy with her excellent service in getting my house loan so quickly. She is a very trustworthy agent and also an expert in her field. Highly recommended!

JM

Ji Young Moon

5.0

San Carlos, CA

Oct 19, 2022

When we had any questions, you gave us explanations and solutions. We appreciate to your support and help a lot.

President and CEO - Justin Messer

Justin Messer

President and CEO

"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."

4.96 of 5.00

Our average client rating. YTD 12/2021 on experience.com

What is your home worth?

Check current market values for your home and view buyer demand.

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 payements 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.

Take a look
inside our world

Looking at how we do business at Prosperity Home Loans Mortgage is as simple as a conversation. Are you ready to step inside?

Karen Greenberg

Karen Greenberg

Mortgage Consultant

NMLSR: 203286

Learn More