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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...

HC

Hoffman Chan

4.8

Roseville, MN

Jan 31, 2025

Always prompt in communication and clear in answering any questions.

NA

Nahom Asefeha

5.0

Plymouth, MN

Jan 29, 2025

Hello is knowledgeable

GD

Gregory Duhl

5.0

Minnetonka, MN

Jan 8, 2025

Very responsive, very flexible, honest and dependable.

CT

Carrie Thompson

5.0

Roseville, MN

Jan 3, 2025

Steve is very smart, friendly, flexible and prompt.

SJ

Shawn Jeppesen

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 Heim

5.0

Robbinsdale, MN

Jan 2, 2025

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

SF

Sheri Fine

5.0

Minnetonka, MN

Dec 31, 2024

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

LJ

Laura John

5.0

Saint Louis Park, MN

Dec 16, 2024

Communication and addressed all questions. Love the portal

ND

Nancy DeRosier-Brune

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 Runck

5.0

Plymouth, MN

Nov 6, 2024

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RB

Robert Bloedorn

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 Gamble

5.0

Saint Paul, MN

Oct 11, 2024

Super helpful team!

DJ

Dennis Johnson

5.0

Plymouth, MN

Oct 3, 2024

This is the third home I have purchased. And Steve met everyone of my requirements and answered all questions in a very timely Manor. He was concise and accurate. We went to closing and we didn’t have to write a check. That was awesome. We knew what to expect going in and an hour later we had a new home so thank you.

DH

David Herrick

5.0

Plymouth, MN

Oct 1, 2024

Steve was super responsive and was always willing to answer our questions as we went through the mortgage financing process. He's a great asset to Edina Realty Mortgage.

MS

Matthew Spector

5.0

Plymouth, MN

Sep 24, 2024

The Prosperity app and Steve Mohabir’s attention to details and his willingness to offer my clients affordable solutions, make working the them a no-brainer!

RL

Richard Lanford

5.0

Minneapolis, MN

Sep 13, 2024

Steve was very hands on communicating with us. And his management kept out loan on track.

BF

Brandon Fosso

4.8

New Brighton, MN

Aug 28, 2024

Steve was very responsive to all of my questions.

AF

Amy Michielle Freeman

5.0

Bloomington, MN

Jul 19, 2024

I get to refer Steve everyday to my clients...getting to experience the process with him and his team, is a whole other level. His entire team is very professional and approachable. I was pleasantly surprised his loan processor called me to introduce herself, so often the person in that role, stays way behind the scenes. I now have first hand experience, how Steve is miles ahead of the competition. Consumers only think about everything going smoothly start to finish. Well, that is not always the case. My transacation had an appraisal issue...Steve had the remedy even before we had the official word. I can't express how much this took stress and pressure off of me, thinking I might not be able to close and be homeless. His level of commitment, professionalism, knowledge and expertise cannot be matched! I am grateful, THANK YOU Steve! 5-star experience all the way!

JT

John Tusken

5.0

Crystal, MN

Jul 15, 2024

Steve was very communicative and personable. From day one, we felt comfortable and cared about. As we ramped up into the meat of home buying, he kept us updated and regularly informed about where we were in the process and the needed next steps. In any industry, you look for people you can trust. Steve is someone I feel I can trust.

MT

Meghan Tusken

5.0

Crystal, MN

Jul 15, 2024

Quick, friendly and helpful communications. Steve was not only helpful in getting us accurate information, he also explained the numbers and taught us about financial planning. Would recommend!

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 Loans Mortgage is as simple as a conversation. Are you ready to step inside?

Steve Mohabir

Steve Mohabir

Mortgage Consultant

NMLSR: 662137

Learn More