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Emily Ruff
Chairman's Club Loan Officer
Prosperity Home Mortgage, LLC, is a full service mortgage banker specializing in residential and refinance loans. Prosperity Home Mortgage offers a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans,... Show More
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9 AM to 5 PM
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closed
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Communication
The GREAT experience started by Emily first reaching out to me to let me know of possible refinancing options. It was GREAT because that had been something I had mentioned a year ago when completing our initial mortgage and to know that this...
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Prosperity did for us what our long-time major bank couldn't. Emily is great!
My previous mortgage company was less then easy to deal with, and Emily navigated every obstacle with ease and expertise.
Emily Ruff was great to work with. She saved us nearly 2% from our previous mortgage and prudently advised us throughout the process. She and the other PHM staff who worked with us are true professionals - very accessible and client-centered....
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Responsive to all questions
clear process
great communication along the way
Emily always made herself available when I had questions and was always polite, professional, and friendly.
OK where do we start! Emily initially called us offering to refinance, rates had dropped and since we were previous clients of Dee that we wouldn't have any points or origination fees, and all costs were heavily discounted by Propserity for...
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Emily was always communicating during the entire process promptly. She was helpful and informative always with a friendly demeanor.
Emily was always quick to respond!
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About
Prosperity Home Mortgage, LLC, is a full service mortgage banker specializing in residential and refinance loans. Prosperity Home Mortgage offers a wide range of mortgage products, including fixed and adjustable rate mortgages, jumbo loans, Federal Housing Administration (FHA), Veterans Affairs (VA) loans, and renovation financing.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
Adjustable Rate Mortgages
Non-QM
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Time Zone
Pacific Standard Time (PST)
Awards
Chairman's Club Me...
Disclaimer
©2026 Prosperity Home Mortgage, LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031. All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Licensed by the Delaware State Bank Commissioner. Georgia Residential Mortgage Licensee. Massachusetts Mortgage Lender and Mortgage Broker MC75164. Licensed by the NJ Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. Rhode Island Licensed Lender. Rhode Island Licensed Loan Broker. Rhode Island Licensed Third-Party Loan Servicer. Also licensed in AK, AL, AR, AZ, CO, CT, DC, FL, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY.
