Hi! I'm Jon...
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.
Jon Humig
Mortgage Consultant
NMLS: 542388
Jon Humig (NMLSR# 542388) is Southwestern born and bred. His professional service is founded on delivering the best possible customer experience for his clients and partners.
Jon does this by setting realistic and accurate expectations with his clients. He strives to guide them respectfully to the product that best suits their needs by really listening to their objectives and clearly communicating all the available options. His over 150 five-star reviews prove he is a tried and true lending professional-let Jon help take the stress out of your next big move!
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
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
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Warfuel Kitchen
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WarFuel Kitchen @ 325-1 W. 2nd St. is at the back of the Dunbar building, as the small sign on the fencing says. Access to the parking lot is from 3rd St....
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Golden House
287 reviews
The Mongolian tofu and the tofu w/spiced salt are fantastic. If you're veggie, you should 100% go for one of those! (We didn't care for the fake meat)
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Go Dim Sum
49 reviews
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The Parish
1405 reviews
If you're debating, just go here!! To those who left bad reviews for "too much seasoning/spices"... You are insulting true Cajun cooking. This is how we...
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Tito & Pep
462 reviews
What a great, hidden gem. An intimate bistro serving a seasonal menu of Southwestern-inspired food and beverages. Execution was off the chart, worthy of a...
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Cielos
113 reviews
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Lost Barrio
20 reviews
The other day the baby and I were just driving around and stumbled about this part of Park that I totally forgot existed. We parked the car and perused each...
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La Encantada
93 reviews
We probably don't use La Encantada to the fullest. We only live 3 signals away, but the ice cream and the fine dining are all we've done here. But now ,...
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Tucson Premium Outlets
86 reviews
Originally we chose this location as our meeting destination for the rehoming and introduction of a puppy (I breed French Bulldogs in Peoria) so feeling...
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Gaslight Theatre
175 reviews
The Gaslight Theater has been entertaining Tucson for longer than I've been alive - well over 40 years - and for the same reason. It's absolutely top-shelf...
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The Breaking Point
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This place is awesome!!!! You can connect your bluetooth to your music. The online booking process is so easy. Once you get there they go over the rules and...
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World of Wonders
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Went to visit today and it's no longer in business. Too bad it was a pretty cool place.
Read more on Yelp4500 N Oracle Rd Space, Ste 106, Tucson, AZ 85705
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?
Jon Humig
Mortgage Consultant
NMLS: 542388