Last Updated: 01/15/2026

These Terms and Conditions govern your use of PROSPERING HOME LOANS LLC services, including our website and our SMS (text message) and email communications. By using our services or opting into our communications, you agree to these Terms and our Privacy Policy.

1. SMS / Text Messaging Terms

Program: PROSPERING HOME LOANS LLC sends text messages to people who opt in through the SMS consent checkbox on our website contact form. Messages are informational and non-marketing: inquiry follow-ups, appointment reminders, loan updates, and document requests related to your mortgage inquiry or loan.

Consent: By checking the SMS consent box and providing your mobile number, you agree to receive these text messages from PROSPERING HOME LOANS LLC. Consent is not a condition of purchase, and you can still use our services without agreeing to receive text messages.

Message frequency: Message frequency varies based on your inquiry and interaction with our team.

Rates: Msg & data rates may apply. Contact your wireless provider with questions about your text or data plan.

Opt out: Reply STOP to any message to opt out. You will receive one confirmation message and no further text messages unless you opt in again.

Help: Reply HELP to any message for help, or contact us at [email protected] or +19126599987.

Carrier disclaimer: Carriers are not liable for delayed or undelivered messages.

Your mobile information: No mobile information, phone numbers, SMS opt-in data or SMS consent will be shared with or sold to third parties or affiliates for marketing or promotional purposes.

Privacy: See our Privacy Policy for how we collect, use and protect your information.

2. Email Communications

If you opt in to email, you can unsubscribe at any time using the unsubscribe link in any email.

3. Opt In Again

If you want to rejoin after opting out, you can opt in again using the same method you used to enroll originally.

4. Age Restriction & Eligibility

By using this website and submitting your information through our contact forms, you represent and warrant that you are at least 18 years of age and possess the legal authority to enter into this agreement. Our mortgage services are not intended for, or directed to, individuals under the age of 18. If we become aware that an individual under the age of 18 has provided us with personal information, we will take immediate steps to delete such information from our records and terminate any related communication.

5. Changes to Terms

We may update these Terms from time to time. Updates will be posted with a new Last Updated date.

6. Contact

Questions about these Terms can be sent to:

PROSPERING HOME LOANS LLC

Address: 1980 Chatham Parkway, 602, Savannah GA 31405

Phone: +19126599987

Email: [email protected]

If you have any questions regarding privacy, please read our Privacy Policy.