Hi! I'm Karen...
Your Mortgage Consultant!
Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
Karen Greenberg
Mortgage Consultant
NMLS: 203286
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?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:
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01Fixed & adjustable rate mortgages
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02Federal Housing administration loans (FHA)
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03Veterans affairs loans (VA)
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04Renovation financing
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05Jumbo 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
Know Your Monthly Mortgage Payment
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
Explore the local area. Find restaurants, delivery, movers, and more...
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Siam Station
379 reviews
This place was really good. From the savory Pad Thai to the mouthwatering skewers of satay, every bite was a burst of authentic Thai goodness. The bustling...
Read more on Yelp+1 (408) 352-520720956 Homestead Rd, Ste A2, Cupertino, CA 95014
Chicken Meets Rice
268 reviews
Situated in a developing food court next to 99 ranch. Order through kiosk and they'll call your name for pick up. Came at lunch and started to get pack bc...
Read more on Yelp+1 (408) 412-772810445 S De Anza Blvd, Ste 101, Cupertino, CA 95014
BJ's Restaurant & Brewhouse
2019 reviews
Had a very great experience thanks to Jas. She was extremely polite and respectful. Food came out in an very timely manner.
Read more on Yelp+1 (408) 865-697010690 N De Anza Blvd, Cupertino, CA 95014
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Siam Station
379 reviews
This place was really good. From the savory Pad Thai to the mouthwatering skewers of satay, every bite was a burst of authentic Thai goodness. The bustling...
Read more on Yelp+1 (408) 352-520720956 Homestead Rd, Ste A2, Cupertino, CA 95014
Home Eat
271 reviews
Good quality and flavor People r friendly Very long and sophisticated menu Good vibe
Read more on Yelp+1 (408) 982-398820588 Stevens Creek Blvd, Cupertino, CA 95014
YGF Malatang Noodles & Pots - Cupertino
8 reviews
YGF Malatang has finally opened in Cupertino! This place is very trendy, the inside is super clean, and the process for ordering is incredibly easy and very...
Read more on Yelp+1 (408) 352-510119672 Stevens Creek Blvd, Cupertino, CA 95014
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Cupertino Village Shopping Center
49 reviews
This is a hidden gem of a shopping mall with a stunningly beautiful and well-designed landscape. The collection of products is outstanding, with a large...
Read more on Yelp+1 (408) 252-8084Wolfe Rd & Homestead Rd, Cupertino, CA 95014
Daiso Japan
364 reviews
Daiso Japan has been a great store to pick up knick knacks, things, gadgets, snacks, candy, drinks, etc. Similar to the Dollar Store, but a step up with...
Read more on Yelp+1 (408) 973-033119750 Stevens Creek Blvd, Cupertino, CA 95014
De Anza Flea Market
123 reviews
This happens first Saturday of every month from 8am - 2pm. Free admission and free parking. I haven't been to a flea market in forever. This one was pretty...
Read more on Yelp+1 (408) 864-841421250 Stevens Creek Blvd, De Anza College Parking Lot, Cupertino, CA 95014
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Fujitsu Planetarium
54 reviews
Came here for a laser show--stranger things edition. Was very well done and memorable! Would recommend for anyone local, but definitely not a once in a...
Read more on Yelp+1 (408) 864-881421250 Stevens Creek Blvd, De Anza College, Cupertino, CA 95014
Immersive Gamebox - Valley Fair, San Jose
52 reviews
Great fun with colleagues, friends or kids via tapping and motion sensors. Their games have varying themes that cover players of all ages. Some games are 30...
Read more on Yelp+1 (408) 320-23722855 Stevens Creek Blvd, Ste 2605, Santa Clara, CA 95050
Cupertino Night Market
1 reviews
Cool food festival type of event held at De Anza College, similar to FoodieLand and 626 Night Market but smaller, without any fancy lighting, decor, or...
Read more on Yelp21250 Stevens Creek Blvd, Cupertino, CA 95014
I'm here to answer all
your mortgage questions
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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.
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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.
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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.
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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.
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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.
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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
Mortgage Consultant
NMLS: 203286