@ronwivagg
SVP- Sales Performance & Development
Prosperity Home Mortgage
Mortgage Professional
I believe good mortgage guidance starts with making the complicated understandable. Throughout my career, I’ve seen how outdated assumptions and incomplete information can keep people from exploring opportunities that may be available to them. I write to separate useful facts from market noise, challenge common misconceptions, and connect industry developments to the real decisions facing homebuyers, homeowners, and real estate professionals. My goal is simple: offer clear, practical perspective that helps people ask better questions, have better conversations, and make more informed decisions.
homebuying
Most recent homebuyers call the process a hassle. The fix isn't more apps — it's a team that actually communicates. Here's what to ask before you buy.
Mortgage Rates
When rates climb, some buyers pause — and the buyers who stay may gain negotiating power. A look at what a slower market can offer homebuyers.
Real Estate
Almost half of high-producing agents changed their top loan officer within a year.
Home Buying
By November 2, 2026, all new appraisals for Fannie Mae and Freddie Mac loans must use the redesigned UAD 3.6 format.
Mortgage Servicing
A familiar name on your mortgage statement isn't a small thing. Here's what loan servicing retention means for homeowners and the real estate pros who guide them…
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