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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

Know Your Monthly Mortgage Payment

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

What my clients say...

JC

Jacquelyn C.

5.0

Menlo Park, CA

Jun 29, 2025

Easy, easy easy !!

KT

Kevin T.

5.0

Mountain View, CA

Jun 25, 2025

Karen was incredible to work with! She helped us secure our mortgage quickly and efficiently, making the entire process smooth and stress-free. Thanks to her expertise and responsiveness, we were able to close on our property in less than three weeks. We highly recommend Karen to anyone looking for a reliable and knowledgeable mortgage advisor!

JA

Jonathan A.

5.0

Alamo, CA

May 2, 2025

Straight forward communication!

WC

William C.

5.0

SAN JOSE, CA

Apr 8, 2025

She took over in the middle of the transaction and was great

TD

Timothy D.

5.0

San Jose, CA

Apr 8, 2025

All questions were answered, and Karen was great when we went back and forth a bit considering different options. Ended up running a TON of numbers/scenarios for us!

LH

Lee H.

5.0

San Jose, CA

Feb 17, 2025

Easy to work with, good communication

GR

George R.

5.0

Benicia, CA

Feb 17, 2025

Karen and staff were efficient, knowledgeable, and the tech used made the process simple.

EF

Eric F.

5.0

Pismo Beach, CA

Feb 17, 2025

The speed at finishing the process, the frequency of communication the teams availability to talk

DT

Donna T.

5.0

Pismo Beach, CA

Jan 8, 2025

Karen was extremely communicative and professional throughout the entire process and was able to close our transaction on time.

DV

Daniel V.

5.0

Redwood City, CA

Dec 19, 2024

Karen was amazing she Made the process so easy and communicated well with us.

J

Jessica Gant .

5.0

Dec 18, 2024

Best expierence ever! Helped me when I didn’t know anyone could, I’m so appreciative!

JG

Jessica G.

5.0

Los Gatos, CA

Dec 17, 2024

Karen and her team saved me!!! I had a horrific experience before being introduced to Karen, and she had such confidence and knowledge to help me complete this transaction! 100 stars and an lifetime of referrals and appreciation.

CB

Charles B.

4.8

San Mateo, CA

Dec 13, 2024

Quick communication, flexible ways of qualifying for a loan.

MB

Margaret B.

5.0

San Jose, CA

Dec 13, 2024

Karen said it would close, and it did :) Plus Karen's team, Veronica and Chris were awesome too. Great communication! Thank you Team Karen!

WK

Warren K.

5.0

Cupertino, CA

Nov 27, 2024

I got PAID!

S

saumya khulbe .

5.0

Dec 7, 2024

It was pleasure working with Karen. We were first time home buyer & she was very helpful during the entire process & gave us the right advise on all our questions. It was our first house we were bidding on & she worked with our agent to get closing reduced to 21 days from 28 which really made our offer competitive. We did not even have an underwriting done so closing in 21 days was most amazing service we can ever imagine. I would totally recommend PHM & Karen if you are looking to close on a house.

SK

Saumya K.

5.0

Fremont, CA

Nov 26, 2024

She was very helpful during the entire process & gave us the right advise on all our questions. It was our first house we were bidding on & she worked with our agent to get closing reduced to 21 days from 28 which really made our offer competitive. We did not even have an underwriting done so closing in 21 days was most amazing service we can ever imagine.

CA

Corina A.

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 C.

5.0

Menlo Park, CA

Jul 22, 2024

IT WAS EASY!

DH

Daniel H.

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 A.

5.0

San Jose, CA

Apr 8, 2024

closed quickly and reliably, great communication along the process.

AB

Antonia B.

5.0

Palo Alto, CA

Mar 23, 2024

Communication

CG

Carole G.

5.0

Mountain View, CA

Feb 28, 2024

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

M

Mohit Hemnani

5.0

May 7, 2024

PHM is a great home mortgage company, had a very positive experience with Karen G! Everything from pre approval letters, revised loan estimates, offer strategies, and closing went very smoothly. Would definitely recommend Karen and her team if you're shopping for a home loan!

M

Mohit Hemnani

5.0

Mountain View, CA

Mar 4, 2025

PHM is a great home mortgage company, had a very positive experience with Karen G! Everything from pre approval letters, revised loan estimates, offer strategies, and closing went very smoothly. Would definitely recommend Karen and her team if you're shopping for a home loan!

MH

Mohit H.

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 T.

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 D.

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 R.

5.0

Penn Valley, CA

Oct 6, 2023

Seamless experience.

JH

Janet H.

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 D.

5.0

Half Moon Bay, CA

Jun 26, 2023

Customer attention; knowledgeable;;flexible

JA

Justina A.

4.8

Antioch, CA

May 22, 2023

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

ED

Emine D.

4.8

Sunnyvale, CA

Mar 29, 2023

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

MB

Mustafa B.

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 K.

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 M.

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.

MB

Marshall B.

5.0

San Carlos, CA

Oct 19, 2022

As a first time home buyer, there were many aspects of our preparation that were less than perfect. Karen guided us through all of the process with the utmost professionalism and encouragement that made us feel empowered to take this huge step forward. Thank you!

AP

Amber P.

5.0

Cupertino, CA

Jun 28, 2022

Prompt responses. And concise information provided as needed.

MZ

Miroslav Z.

5.0

San Jose, CA

Jun 1, 2022

She was very professional and a pleasure to work with!

BN

Bryson N.

5.0

Sunnyvale, CA

May 5, 2022

Karen and her staff were always available and ready to assist. Highly recommend. Thank you!

AS

Abhishek S.

5.0

Santa Clara, CA

Apr 26, 2022

Very professional. Super quick response and accurate information every time.

S

SHMV

5.0

May 7, 2024

Superb communication with Karen and her associate, Chris. Super responsive and very clear in directions. Understanding of our situation and proactive to help us put forward a strong loan application.

SH

Stephen H.

5.0

Mountain View, CA

Apr 20, 2022

Superb communication with Karen and her associate, Chris. Super responsive and very clear in directions. Understanding of our situation and proactive to help us put forward a strong loan application.

S

Shmv

5.0

Mountain View, CA

Mar 4, 2025

Superb communication with Karen and her associate, Chris. Super responsive and very clear in directions. Understanding of our situation and proactive to help us put forward a strong loan application.

DN

Deepa N.

5.0

San Jose, CA

Apr 17, 2022

Karen is very professional and honored her commitment of closing the loan on time! Wouldn’t have been possible without her!!

MH

Michelle H.

4.7

Mountain View, CA

Apr 17, 2022

Karen was always extremely responsive to any questions that we had

VD

Valentin D.

5.0

South Lake Tahoe, CA

Apr 4, 2022

Karen got me a great rate/terms for my house, and communicated with me throughout the process. There were some hiccups along the way that were outside her control but everything worked out in the end and we closed the deal!

TD

Tyrone D.

4.8

San Jose, CA

Apr 4, 2022

Noooooooooo

PK

Paul K.

5.0

Boulder Creek, CA

Mar 3, 2022

Karen and her team had great customer service and were very knowledgeable. They helped me navigate the process for the first time.

LC

Lizeth C.

5.0

Cupertino, CA

Mar 1, 2022

Karen Greenberg was excellent to work with. She is highly knowledgeable and responsive. Her colleague Chris Detwiler was also a pleasure to work with

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 Mortgage is as simple as a conversation. Are you ready to step inside?

Karen Greenberg

Karen Greenberg

Mortgage Consultant

NMLSR: 203286

Learn More