Hi! I'm Gwen...
Your Mortgage Consultant!
Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
Gwen Goins
Mortgage Consultant
NMLS: 451891
Gwen Goins (NMLSR #451891) is a Mortgage Consultant with over 32 years of experience in mortgage origination, currently licensed in Missouri and Kansas.
Gwen possesses a Bachelor of Science in Accounting from Ball State University and has completed the certification training to originate Missouri Housing Development Commission First Place and Next Step grant programs. Gwen is also a proud veteran of the United States Army Reserve where she earned a Medal of Service for active duty service during Operation Desert Storm.
Gwen has a thorough understanding of the entire home buying process and is knowledgeable on many types of loans, including JUMBO, VA, USDA, FHA, and Conventional. Gwen is extremely patient and believes that educating her borrowers is just as important as closing on their home. To that end, she specializes in first time homebuyers and newer agent relationships, providing Homebuyer Education Courses and New Agent Training regularly.
Gwen resides in Lee’s Summit, Missouri and is the mother of two beautiful daughters. She serves as Secretary of her United Methodist Women unit, Secretary of St. James United Methodist Church Usher Board, active committee member of Alpha Kappa Alpha Sorority, Inc., member of Mortgage Banker Association of Kansas City and American Legion, Post 149. In her spare time, she enjoys community service projects and spending time with her granddaughter.
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
Where can we help you thrive?
Are you looking to buy your first home? Need help managing your mortgage payment?
Trying to figure out how to afford that renovation? Whatever you situation is, we've got the answers.
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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."
4.96 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 Loans Mortgage is as simple as a conversation. Are you ready to step inside?
Gwen Goins
Mortgage Consultant
NMLS: 451891