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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

408-497-1647
Address: 10080 North Wolfe Road, Suite SW3-100, Cupertino, CA, 95014
Awards received
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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

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

Learn more
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...

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.

MB

Marshall Baek

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 Palekar

5.0

Cupertino, CA

Jun 28, 2022

Prompt responses. And concise information provided as needed.

MZ

Miroslav Zivkovic

5.0

San Jose, CA

Jun 1, 2022

She was very professional and a pleasure to work with!

BN

Bryson Nakamura

5.0

Sunnyvale, CA

May 5, 2022

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

AS

Abhishek Sivapurapu

5.0

Santa Clara, CA

Apr 26, 2022

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

SH

Stephen Huie

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.

DN

Deepa Narvekar

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 Huie

4.7

Mountain View, CA

Apr 17, 2022

Karen was always extremely responsive to any questions that we had

VD

Valentin De La Fuente

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 DeSilva

4.8

San Jose, CA

Apr 4, 2022

Noooooooooo

PK

Paul Kreun

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 Chiprez

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

Explore the local area. Find restaurants, delivery, movers, and more...

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    Had a very great experience thanks to Jas. She was extremely polite and respectful. Food came out in an very timely manner.

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    Read more on Yelp
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    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...

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    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...

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    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...

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    Immersive Gamebox - Valley Fair, San Jose

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    Cupertino Night Market

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SEARCH ENGINE IS POWERED BY

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.

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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

NMLS: 203286

Learn More