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Hi! I'm Todd...
Your Executive Mortgage Consultant!

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

Todd Henley

Sales Manager

NMLSR: 247911

404-313-5855
Address: 11800 Amber Park Drive Ste 100, Alpharetta, GA, 30004
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Todd M. Henley is a Sales Manager for Prosperity Home Mortgage in the Atlanta area.  He is responsible for building and managing current and new business, ensuring and maintaining excellent customer service standards and developing successful partnerships.



His 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. He and his team aim to ensure that they keep all parties in a transaction informed every step of the way.



He is an Atlanta native and is also licensed in the Southeast region and can serve the Georgia, South Carolina, Florida and Alabama markets.  He earned a Bachelor’s degree in Finance from Georgia State University.  Todd lives in Brookhaven, GA with his wife and three daughters.  In his spare time, Todd loves spending time with his family, coaching his daughter’s sports teams, biking, boating and college football

Buy a Home
Refinance a Home
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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, $
270,000
Total Cost Of Mortgage, $
703,080.00
Monthly payment:
1,953.00
P&I
Insurance
Taxes
PMI
HOA

Rental information

Property information

Loan information

Taxes and insurance information

Financial analysis
Plain English help
Rent
Buy
Total rent or P&I payments, $
129,992
68,300
Taxes and insurance, $
6,000
47,500
Total Mortgage Insurance, $
0
6,750
Total maintenance and HOA dues, $
0
5,000
Total payments
135,992
127,550
Rent
Buy
Average Monthly Payment, $
2,267
2,126
Monthly Rent Savings, $
141
Total income tax savings, $
0
19,375
Total Rent Details
-27,817
House Appreciation Value, $
382,884
Proceeds Minus Selling Costs, $
22,973
Minus Loan Balance, $
240,047
Recover Initial Down Payment, $
30,000
Recover Loan closing Costs, $
10,000
Home Purchase Benefits
79,864

Is it financially better to buy a home or to rent? The answer to this question depends upon how much the home costs, how much you are paying for rent, and how much you will have to pay each year in order to maintain your home.

If you were to pay 2,000 per month, for example, and the average rental payment increase was 4, you would pay 135,992 in a 5 year period toward rent and insurance. If you purchased a home and borrowed 270,000 with a 3 interest rate, and you paid 5,000 every year toward its maintenance/HOA dues, you could expect to pay a total amount of 127,550 in a 5 year period. For property taxes and insurance, you pay 7,500 in taxes each year and your annual insurance amount is 2,000.

When you consider your tax benefits and the appreciation of your home, however, you will actually MAKE money by purchasing a home. If your home shows an annual appreciation of 5 and your selling cost is 6, your house appreciation value will be 382,884. As a result, your total home purchase benefit will amount to 79,864.

What my clients say...

MR

Matthew Rochlin

4.7

Roswell, GA

Mar 31, 2025

Thanks for everything, great experience.

SK

Sean Keeney

5.0

Santa Rosa Beach, FL

Mar 31, 2025

Todd and his team were awesome and helped through the entire loan underwrting and closing process! I would not use anyone else!

CS

Charles Swain

5.0

Monroe, GA

Mar 7, 2025

Quick responses and great finance options!

JV

Jennifer Varn

5.0

Atlanta, GA

Mar 7, 2025

Clear and timely communications

NH

Neal Heery

5.0

Atlanta, GA

Mar 7, 2025

Todd will solve any situation. Including the ones I create.

MM

Molly McCrum

5.0

Marietta, GA

Mar 7, 2025

I felt like everyone was working hard to help me get through the process smoothly and efficiently

TL

Taiwo Anthony Lapite

5.0

Lawrenceville, GA

Mar 14, 2025

Thorough, professional, on time, on top of the process. I'm happy. Will recommend over and over again

AP

Andrew Pilcher

5.0

Woodstock, GA

Mar 7, 2025

Fantastic responses, promises kept, clear information and all round awesome.

MS

Martha Shatzen

5.0

Lawrenceville, GA

Mar 7, 2025

Fantastic partner!

MK

Michael Kitlas

5.0

Lawrenceville, GA

Mar 7, 2025

Everyone on the team was very helpful, informative, and timely with communications. It mad everything super smooth from start to finish, even when being across the country.

JE

Joshua Elliott

5.0

Forsyth, GA

Mar 31, 2025

Clear communication, prompt responses, and dedication to finding the best solutions for my needs truly set you apart. It’s rare to encounter a team that goes above and beyond like you did, and I genuinely appreciate all your hard work.

NH

Neal Heery

5.0

Atlanta, GA

Mar 18, 2025

Todd pulls another deal out of the fire and closes despite the trials and tribulations. Great team!

JH

James Hayes

5.0

Lawrenceville, GA

Mar 14, 2025

Very professional and excellent communications, very responsive to any questions or concerns.

CV

Carol Van Buul

5.0

Cumming, GA

Mar 18, 2025

Todd went above and beyond to work for my business. I felt comfortable and informed about my refinance.

JM

Jonathon Mulligan

5.0

Dallas, GA

Mar 18, 2025

Todd and his team we're very helpful from the communication via email, phone and text. Everything was sent with timelines and people to reach out to for other services.

CM

Cody Mauldin

5.0

Dallas, GA

Mar 31, 2025

Todd, you and your team made the process easy! Thank you.

ZC

Zachary Curran

5.0

Gainesville, GA

Mar 31, 2025

Tops, Vickie and all involved at Prosperoty Mortgage made me feel like a top priority at all times. Calls and/or emails didnnit go unanswered for more than a hour or two with someone answering my questions what fealt like instanty. great team helped secure my mortgage and interest rate and will be referring to friends abs and family in the future! Thank you again for helping me secure my first home!!

JG

Jules Gelin

5.0

Tucker, GA

Nov 25, 2024

Quick reply during the process and being available.

BS

Beth Smith

5.0

Atlanta, GA

Nov 22, 2024

From beginning to end, all went very smooth.

BR

Bridget Roosa

5.0

Tucker, GA

Nov 22, 2024

Todd was great to work with! He took care of my client and provided me with consistent updates! 10/10

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."

4.97 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?

Todd Henley

Todd Henley

Sales Manager

NMLSR: 247911

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