Apply now

Hi! I'm Steve...
Your Mortgage Consultant!

We make the home loan process as simple as possible by guiding you through every step.

Steve Mohabir

Mortgage Consultant

NMLSR: 662137

763-458-5653
Address: 4100 Minnetonka Boulevard St. Louis Park, MN, 55416

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

Ranked #1 in Customer Satisfaction among Mortgage Origination Companies

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

Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

WG

Wayne G.

5.0

W St Paul, MN

Apr 22, 2025

Steve has a very good way with clients. He makes them feel comfortable and confident in the process.

FC

Fiana C.

5.0

W St Paul, MN

Apr 22, 2025

Everything was done in a timely and professional manner.

RC

Rosalee C.

5.0

Minneapolis, MN

Apr 17, 2025

Steve walked me through each step and explained it clearly. He is always great at quickly following up and answering

CB

Carl B.

4.8

Minneapolis, MN

Mar 26, 2025

professional, timely and efficient service

MA

Michon A.

4.8

North Oaks, MN

Mar 17, 2025

Easy process and effiicient

RS

Rebecca S.

5.0

Minneapolis, MN

Mar 14, 2025

Thanks for being so fast & responsive (including on the weekends!)!

JH

Joy H.

5.0

North Oaks, MN

Mar 13, 2025

Steve worked quickly to get my clients preapproved on a Friday and by Saturday he was helping us put together a winning offer. I appreciated the update videos he sent to my clients throughout the transaction. Thank you, Steve!

HZ

Hoda Z.

5.0

Minneapolis, MN

Mar 13, 2025

Steve is an exceptional lender whom I trust completely with my clients. His communication is always clear and timely, making the lending process smooth and stress-free. He goes above and beyond to ensure buyers understand their options and feel confident in their decisions. His professionalism, reliability, and dedication set him apart. I highly recommend Steve to anyone.

HC

Hoffman C.

4.8

Roseville, MN

Jan 31, 2025

Always prompt in communication and clear in answering any questions.

NA

Nahom A.

5.0

Plymouth, MN

Jan 29, 2025

Hello is knowledgeable

GD

Gregory D.

5.0

Minnetonka, MN

Jan 8, 2025

Very responsive, very flexible, honest and dependable.

CT

Carrie T.

5.0

Roseville, MN

Jan 3, 2025

Steve is very smart, friendly, flexible and prompt.

SJ

Shawn J.

5.0

Roseville, MN

Jan 8, 2025

The communication was great. The videos were also very helpfull. The entire process flowed along pretty smoothly. .

DH

Dustin H.

5.0

Robbinsdale, MN

Jan 2, 2025

quick response time, very detailed on process and helping through the process

SF

Sheri F.

5.0

Minnetonka, MN

Dec 31, 2024

Super responsive and great troubleshooting as well answering any and all questions expeditiously. Thank you!

LJ

Laura J.

5.0

Saint Louis Park, MN

Dec 16, 2024

Communication and addressed all questions. Love the portal

ND

Nancy D.

5.0

Faribault, MN

Nov 6, 2024

Steve was great to have on our side. Happy to help us along and answer questions as well. Thank you for all the help, you made this a great experience!

JR

Jennifer R.

5.0

Plymouth, MN

Nov 6, 2024

-------------

RB

Robert B.

5.0

Alexandria, MN

Oct 16, 2024

Steve's outstanding! The level of professionalism, communication, and industry expertise are a huge asset to any homebuyer.

CG

Connor G.

5.0

Saint Paul, MN

Oct 11, 2024

Super helpful team!

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."

4.95 of 5.00

Our average client rating. YTD 12/2021 on experience.com

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.

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?

Steve Mohabir

Steve Mohabir

Mortgage Consultant

NMLSR: 662137

Learn More