Hi! I'm Stephanie...
Your Executive Mortgage Consultant!
We make the home loan process as simple as possible by guiding you through every step.
Stephanie McAllister
Mortgage Consultant
NMLSR: 1155639
With over 30 years of experience in the Atlanta Market, Stephanie and her team strive to offer the highest level of customer care. Stephanie knows that each home purchase is an important and exciting event in a buyer’s life. She finds it truly a privilege to help her homebuyers reach their homebuying goals. Stephanie lives in Metro Atlanta with her husband and is a parent to three grown children. In her spare time, Stephanie loves riding and competing her two horses and hiking with her beloved dogs.
Stephanie is consistently ranked top 1% of all Mortgage Originators in the U.S. by the Scotsman Guide, recipient of the Top US Women Originators award by Scotsman guide, and a two-time Atlanta Magazine, Best in Real Estate All-star Award. The McAllister Mortgage team is a highly talented mortgage team ready to make your next mortgage transaction smooth and seamless. We partner with your Real Estate Agent to ensure you have a successful home search with our innovative processes. Our goal is to provide every client with quick and personalized service. Please let us know how we can help you!
For J.D. Power 2024 Award information, visit www.jdpower.com/awards
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
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."
4.94 of 5.00
Our average client rating. YTD 12/2021 on experience.com
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 Mortgage is as simple as a conversation. Are you ready to step inside?
Stephanie McAllister
Mortgage Consultant
NMLSR: 1155639