I have been a Loan Officer for 5+ years strong now.  I first started at New Century Financial, a direct lender in the sub-prime market in 2003 as the leading Financial Expert.

I was handpicked out of thousands of Loan Officers to enroll in the Leadership Development Program, a 1 year training class for future Branch Managers and Leadership Roles.

I have a background in Finance, Marketing and Advertising. I consider myself highly involved in the current Technology and Market trends.  I love Blogging and Talking about current Technology and Marketing Buzz.

I live in Virginia Beach about 5 minutes away from the ocean and on the weekends I love playing Texas hold-em Poker and catching some waves during downtime.  Surfing is one of the most exhilarating experiences you can ever have to have a wonderful Zen and Peace of Mind.

         An Affiliate of Wells Fargo    

Prosperity Mortgage is a Mortgage Banker that underwrites and fund our own loans regulated by the Federal Government. This format brings the security and control of a banking environment and combines it with the flexibility and rate shopping ability of a mortgage broker. You get the best of both worlds by going directly to the source to the Loan Officer as a Direct Lender without the fees of a Broker.    

• FHA (No Minimum Credit Score Required)
  
• VA (No Minimum Credit Score Required)
• VHDA
• Conforming Prime
• Non-Conforming
• Alt-A less than perfect credit
  
• Jumbo
• HELOCS / 2nd Mortgages / Lines of Credit
  
• Reverse Mortgages (Age 62 Older )
  
• Construction / 203k / Renovation / Home Improvement
  
• Manufactured / Mobile / Modular
  
• Purchases (100%+ Financing)
  
• Refinances (No Doc, Stated, Full, Limited)
  

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I am never too busy for your questions or concerns.  I am always available via e-mail, text, phone or social media.  I will always strive to keep you updated throughout the whole loan process because buying and refinancing a home is a major role in your life and I am here to help you achieve your goal.

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"Justin was outstanding with our loan process." 

- Leonard Johnson [Norfolk, Va]

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"We want to acknowledge the OUTSTANDING work Mr. Justin Williams did for us! When we first started the refinancing we were not real sure if it was the right thing to do.  After discussing our situation with Mr. Williams, he gave us what our options would be.  We started the process of refinancing.  Mr. Williams had to jump through some hoops with our case.  We appreciate all the time and dedication he took in our case.  He always went the extra mile to help in any situation.  He was always there for us when we needed him.  He was always there at the office when I called or if on another line always returned my call within the hour.  We appreciate his prompt response to us.  He is a very valued employee. Never once did we ever hear him with a doubt in mind.  Even though, we had doubts of our own.  It was a pleasure doing business with him.  He is dedicated to his job and gives excellent customer service."

- Troy and Shellie Shallis [Virginia Beach, Va]

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"Justin is the best in the Mortgage Industry!  He always lends his expertise and advice on anything I need!"

- Scott Doverspike [Virginia Beach, Va]