Barbara Cowles at Prosperity Home Mortgage

Barbara Cowles at Prosperity Home Mortgage I am a Mortgage Consultant with Prosperity Home Mortgage NMLSR #1255985
PHM, LLC NMLSR #75164 NMLS Consumer Access @ www.nmlsconsumeraccess.org/

Women's Outerwear in one size and plus size. I also sell leggings hats and other accessories. I use my small business as a way to give back to local charities by tithing back a percentage of every sale. when I am not doing various fundraisers my give back goes to SPA WOMEN'S MINISTRY HOMES in Elkhart, IN

🩺 Medical professionals don’t always fit into traditional mortgage boxes — and they shouldn’t have to.If you’re a physic...
02/18/2026

🩺 Medical professionals don’t always fit into traditional mortgage boxes — and they shouldn’t have to.

If you’re a physician, dentist, CRNA, or eligible medical professional, your income potential, career trajectory, and student loan profile deserve a financing strategy built around them.

âś” No down payment required
âś” No mortgage insurance
âś” Student loan flexibility for residents & fellows
âś” Loan amounts up to $2M

Your career path is unique. Your mortgage should be too.

On your path to prosperity, we structure loans that support your long-term success.

02/17/2026

Thinking about buying? Start with the right strategy.

Our FHA Rate Rollback Special has been EXTENDED to March 1st, 2026 … but it won’t last forever. ⏳

Today we're taking a moment to reflect on the history and leadership that have shaped our nation.Happy President’s Day! ...
02/16/2026

Today we're taking a moment to reflect on the history and leadership that have shaped our nation.

Happy President’s Day! 💙🏡

Celebrating love, connection, and the moments that matter most.Happy Valentine’s Day. 💙
02/14/2026

Celebrating love, connection, and the moments that matter most.

Happy Valentine’s Day. 💙

This VA-lentine’s Day, we’re sending a whole lot of love to the heroes who serve our country every day 🇺🇸 💙Because you’v...
02/13/2026

This VA-lentine’s Day, we’re sending a whole lot of love to the heroes who serve our country every day 🇺🇸 💙

Because you’ve earned more than just chocolates — you’ve earned powerful homebuying benefits. 🏡✨

Happy VA-lentine’s Day to our Veterans & Active Duty heroes! ❤️🇺🇸

🚪 FHA Loans Are Opening DoorsFHA loans are not just about qualifying. They are about creating smart options that help bu...
02/11/2026

🚪 FHA Loans Are Opening Doors

FHA loans are not just about qualifying. They are about creating smart options that help buyers preserve cash, plan strategically, and move forward with confidence.

With the right guidance, FHA loans can support long-term goals while keeping today’s market realities in focus. It is all about meeting clients where they are and helping them move along their own path to prosperity. 🏡✨

❓Ever hear “1-0 buydown” and wonder what it actually means?It’s a temporary rate reduction that lowers payments in year ...
02/10/2026

❓Ever hear “1-0 buydown” and wonder what it actually means?

It’s a temporary rate reduction that lowers payments in year one—sometimes funded by the seller, lender, or borrower.

Not every option fits every scenario, but understanding the tools matters. Reach out if you’d like to explore what could work for you. 💙🏡

Getting a tax refund? 👀It might be the boost your home-buying plans need. 🏡
02/10/2026

Getting a tax refund? đź‘€

It might be the boost your home-buying plans need. 🏡

📉 Mortgage Mondays: Headlines love to say rates are “high,” but history tells a different story. Today’s mortgage rates ...
02/09/2026

📉 Mortgage Mondays: Headlines love to say rates are “high,” but history tells a different story. Today’s mortgage rates are closer to long-term averages than many realize. The real challenge for homeownership? Affordability.

Home prices have risen far faster than wages over the past few decades, which means monthly payment—not just rate—matters most. That’s why focusing on price, income, and local market dynamics is more important than chasing a headline rate.

National Reach. Local Expertise. Understanding the full picture is how better decisions get made.

02/06/2026

When the world is watching excellence, we stay focused on what matters most: serving our clients relentlessly.

🚫 FHA Loan Myths—DebunkedThere’s a lot of misinformation out there about FHA loans, and it can stop buyers before they e...
02/06/2026

🚫 FHA Loan Myths—Debunked

There’s a lot of misinformation out there about FHA loans, and it can stop buyers before they even explore their options.

The truth? FHA loans are designed to be flexible, accessible, and helpful for a wide range of homebuyers, not just first-timers or borrowers with less-than perfect credit.

✔️ No borrower income limits
✔️ Not limited to single-family homes
✔️ Competitive rates & flexible guidelines
✔️ Options for repeat buyers, too

💬 Don’t let outdated myths stand between you and homeownership. A conversation with a Prosperity Mortgage Consultant can help you understand what’s actually possible.

Not all borrowers will qualify.

Buying a home isn’t just about the rate—it’s about the right strategy.Our FHA Rate Rollback Special pairs FHA’s flexible...
02/04/2026

Buying a home isn’t just about the rate—it’s about the right strategy.

Our FHA Rate Rollback Special pairs FHA’s flexible guidelines with a complimentary 1-year temporary buydown, helping reduce payments upfront and create breathing room as you settle into homeownership.

Swipe through to learn:
👉 Why FHA works for many buyers
👉 How a temporary buydown can help
👉 What makes this offer different

đź“… Available for a limited time. Reach out to your Prosperity Mortgage Consultant to explore your options. Not all borrowers will qualify.

Address

6312 Stadium Drive
Elkhart, IN
49009

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