Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
5702 Grove Avenue
Bonnie Williams-Harris is a licensed Mortgage Loan Originator in both North Carolina and Virginia. Bonnie has over 15 years of experience in the mortgage financing field. She is well versed in new construction, government, bond, and jumbo transactions. From the 1st time home buyer to the empty nester looking to purchase that dream vacation home, Bonnie’s expertise will make the process smooth and easy.
Bonnie has been recognized as a leader within Prosperity Home Mortgage and previously has served as a sales manager with the company. Her personal goal is to help educate both clients and business partners about the home financing process, so each can move forward with an informed, efficient mortgage loan transaction.
Bonnie earned a Bachelor of Applied Science degree from the University of Richmond. She currently resides in Midlothian, Virginia with her family and their dog Truffle. In her spare time, Bonnie enjoys trips to the beaches of the Carolinas and attending University of Richmond basketball games.
Visit us in Fort Myers, FL
About ME
Empowering Our Community Through 18 Years of Expert Lending Support.
With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.
18
+ Years
1500
+
Ask Us About
Pathway To Prosperity
Ask Us About
Pathway To Prosperity
I'm here to answer allyour 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 payments 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.
What our customers are saying
Great communication and team approach!
appreciated Bonnie's expertise and professionalism during our loan process!
Extremely responsive! It was my first time purchasing a home on my own and uou all made it an easy experience and I was very comfortable throughout the whole process
a awesome job everything went smoothly
Bonnie was excellent to work with. After a less-than-pleasant experience with another lender, she reassured me and was very helpful throughout the process. The communication was effective, and she was always available for questions. I highly recommend Bonnie with Prosperity Home Mortgage.
Bonnie is on top of everything and communicated well to let me know when tasks were due. She is also very responsive and has a great customer-first mentality.
Bonnie has been far above my go to for 15-20 years
Bonnie is what is so great. ALways on top of it. Love her
Bonnie was responsive, always willing to talk through anything, and addressed any of our concerns in a timely fashion.
Bonnie stepped in when another mortgage consultant at another company dropped the ball. She was so helpful, professional, and made the entire experience as pleasant as it could possibly be. Thank you!
Thanks for all your help!
Bonnie and Chastity kept us well informed throughout the process and cheerfully answered our questions.
Bonnie has excellent customer service skills. She keeps on top of each piece of buying a home. I appreciate all that she has done for me!!
Professional friendly prompt kept us informed and patient. Thanks for helping us secure our new home.
Bonnie and her staff were always quick to call us back, answer emails, and help us understand the loan process. Excellent service and always with a friendly tone.
BONNIE!!!!!
Bonnie was patient and found a good rate for us.
Very helpful and very knowledgeable throughout the entire process
Great communication Quick response to questions Well informed Bonnie was great to work with ! Would definitely recommend to others
Great communication and team approach!
appreciated Bonnie's expertise and professionalism during our loan process!
Extremely responsive! It was my first time purchasing a home on my own and uou all made it an easy experience and I was very comfortable throughout the whole process
a awesome job everything went smoothly
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"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
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