Hi! I'm Todd...
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.
Todd Henley
Sales Manager
NMLS: 247911
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
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.
Select a module
Know Your Monthly Mortgage Payment
Tim Wilson
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
Explore the local area. Find restaurants, delivery, movers, and more...
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Local Expedition Wood Fired Grill
990 reviews
Omg so good I had to go back two days in a row ! The Brussel sprouts and the sauces are so good !
Read more on Yelp+1 (470) 448-12495315 Windward Pkwy, Ste B, Alpharetta, GA 30004
Kimchi Red
51 reviews
The people are super friendly and 2 came to our table to ask how everything tasted and if we needed anything. This is more of a grab and go type of place so...
Read more on Yelp+1 (470) 336-72223630 Old Milton Pkwy, Ste 110, Alpharetta, GA 30005
Vito's Pizza & Ristorante
183 reviews
This is a small venue which deserves to be much bigger. I've seen a couple of negative reviews and the first problem is ordering pizza for delivery,...
Read more on Yelp+1 (770) 475-03693665 Old Milton Pkwy 60, Ste 60, Alpharetta, GA 30005
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Local Expedition Wood Fired Grill
990 reviews
Omg so good I had to go back two days in a row ! The Brussel sprouts and the sauces are so good !
Read more on Yelp+1 (470) 448-12495315 Windward Pkwy, Ste B, Alpharetta, GA 30004
Palm 78
6 reviews
It is a very beautiful place! Loved the interior. Cocktails were strong and delicious Seafood paella was sooo tasty! Wish it had more seafood though Short...
Read more on Yelp+1 (678) 395-53265325 Windward Pkwy, Alpharetta, GA 30004
Carson Kitchen
224 reviews
Everything we ate ..delicious!! Bacon Jam is a must.. you see reviews on this jam and it's crazy good!! Short rib steak.. also we had the BLT !! Amazing .....
Read more on Yelp+1 (770) 696-17524 S Main St, Alpharetta, GA 30009
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Avalon
187 reviews
Such a nice place to even just walk around in. Not only are the shops versatile, but the restaurants are even better. They have a tesla charging spot where...
Read more on Yelp+1 (770) 765-10002200 Avalon Blvd, Alpharetta, GA 30009
North Point Mall
115 reviews
This mall was insane being that it was the first two story mall I had been to. It had quite a few stores in it and I believe I went to it multiple times...
Read more on Yelp+1 (770) 740-92731000 North Point Circle, Alpharetta, GA 30022
The Collection at Forsyth
22 reviews
The Collection is a beautiful outdoor shopping center with an assortment of shops and restaurants. I have been coming here for years and it's very...
Read more on Yelp+1 (770) 781-0333410 Peachtree Pkwy, Ste 4165, Cumming, GA 30041
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Aurora Cineplex
146 reviews
Excellent movie theater and mini golf! Prices on tickets and concessions are great. I've started seeing movies here instead of AMC.
Read more on Yelp+1 (770) 518-09775100 Commerce Pkwy, Roswell Mall Shopping Center, Roswell, GA 30076
Main Event Alpharetta
249 reviews
Fun Friday night with the family. Surprisingly not very busy on a Friday night at 8pm. Tons of parking available outside, decently clean facility (minus...
Read more on Yelp+1 (770) 521-910010700 Davis Dr, Alpharetta, GA 30009
VR1 Gaming
7 reviews
Very specious space with a a couple dozen well equipped VR games. 6 tokens for $30 so it's $5 for a 5 minute game. I spend time here with my son who loves...
Read more on Yelp+1 (229) 633-0873410 Peachtree Pkwy, Ste 364, Cumming, GA 30041
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.
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Looking at how we do business at Prosperity Home Loans Mortgage is as simple as a conversation. Are you ready to step inside?
Todd Henley
Sales Manager
NMLS: 247911