Hi, I'm Alicia...
Your

Executive Mortgage Consultant

Your Mortgage Consultants

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

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Alicia O'Brien

Executive Mortgage Consultant

NMLSR

260889

State license
State licenses
Cell Phone
804-855-4590
Office Phone
Address:

409 Strawberry Street

Richmond
VA
23220
Languages:  
Awards received
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With a combined total of 8 years working in Richmond as a real estate paralegal and title insurance underwriter, and now with more than 19 years as a mortgage loan originator, Alicia O’Brien’s (NMLSR #260889) thorough knowledge of the real estate and mortgage industries has led her to consistent recognition as one of the top Mortgage Consultants at Prosperity Home Mortgage, LLC. With a focus on customer service and and industry experience to anticipate hurdles and setbacks, Alicia’s objective is to lead the customer on a seamless and transparent process from loan application to closing.

Prefer Meeting in Person?
Visit us in Fort Myers, FL
About ME

Empowering Our Community Through 18 Years of Expert Lending Support.

With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.

18

+ Years

of serving our customers

1500

+

Loan Officers in all 50 states
It includes a review of your Financial Statement. This service is complimentary.
PREQUALIFICATION PROS
There is peace of mind in completing this early step in the homebuying.
EXPEDITED SERVICE
Typical turnaround times are 24 to 48 hours. We're open on weekends too.
Apply for Coop or Condo prequalification letter
STRENGTHEN YOUR OFFER
Your Coop or Condo offer stands out to sellers when you use this complimentary service.

Ask Us About
Pathway To Prosperity

Learn more

Ask Us About
Pathway To Prosperity

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What's your home worth?
Get your free home valuation report!

I'm here to answer allyour 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 payments 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.

What our customers are saying

Richmond VA
Jun 04, 2024

Alicia was super communicative!

Sandston VA
Jun 03, 2024

Alicia was amazing. She made every step of the process as easy as possible. She was very responsive with questions and emails. She also gave us great recommendations for an inspector and title company.

Oct 21, 2025

Working with Alicia was fantastic. Always kept us informed on what was going on. Answered all our questions right away and resolved any issues we had quickly and efficiently. It was a pleasure working with her and her team. Would highly recommend them.

Henrico VA
Oct 04, 2025

Knowledgeable and helpful in every way

North Chesterfield VA
Sep 23, 2025

Alecia was patient, communicated well and got the job done.

Henrico VA
Sep 09, 2025

Alicia was competent and effecient and brought the process to a successful conclusion in the shortest time possible. However, I think that some of the requirements for documents to be delivered in specific formats (pdf, etc) was unreasonablel and resulted for extra work for me. Docs in other formats should be acceptable to reduce demands on your customers. Gerald Williams

Sep 09, 2025

Alicia is very professional and very personable. She took my information and quickly gave me my mortgage estimation. She also was always available for questions etc. she made the closing run very smoothly. I enjoyed working with her and would recommend her!

Henrico VA
Aug 26, 2025

From start to finish, Alicia was there every step of the way. She returned phone calls promptlyy, provided direct assistance when needed, and was positive during every encounter. We have never had such a positive experience.

Aug 26, 2025

The absolute best. A positive, competent and caring professional who answered every phone call and provided support whenever we needed.

Jul 29, 2025

Alicia is top notch and knows how to deliver a one of a kind customer experience. A++++

Jul 29, 2025

Alicia was accessible, knowledgeable, kind, and patient. She is a strategic thinker. She wants the best for her clients.

Fredericksburg VA
Jul 28, 2025

Helpful, effecient, friendly service. Alicia worked hard to help us through the process. Definitley recommend.

Richmond VA
Jul 25, 2025

Professional, knowledgeable and prompt.

Richmond VA
Jul 19, 2025

Alivia made herself available to answer all of our questions and made the process very smooth! Great experience overall!

Jul 12, 2025

I cannot recommend Alicia O'Brien enough! She made the daunting process of home buying a pleasure.

Richmond VA
Jul 03, 2025

Alicia as great and took care of every detail in a timely fashion

Mechanicsville VA
Jul 03, 2025

Alicia was very friendly and patient with us during the entire process. Everything went smoothly and we are very appreciativ.

Midlothian VA
Jun 23, 2025

Alicia is amazing.! Very knowledgeable and efficient. Answered emails and calls very quickly Would 1000% recommend her

Henrico VA
May 21, 2025

My wife and I compared Prosperity against two (2) other loan organizations before closing on our house with Prosperity. Alicia and Prosperity Home Mortgage were hands down the most transparent, provided the best rate, and answered all of our questions (of which there were many) in the most timely manner. I would absolutely recommend Prosperity and Alicia to anyone looking for a home mortgage.

May 21, 2025

Alicia was informative, supportive, communicative and timely. We enjoyed our homebuying process with her.

Montpelier VA
May 20, 2025

Alicia was informative, supportive, communicative and timely. We enjoyed our homebuying process with her.

Henrico VA
May 16, 2025

The whole experience

Glen Allen VA
May 09, 2025

Great overall experience

Richmond VA
Apr 28, 2025

Alicia & her team's communication was excellent, and action was always extremely prompt. They truly made us feel that we had an advocate with our best interests in mind in our corner - for first time home buyers, it was great to feel such trust in Alicia's work.

Powhatan VA
Apr 27, 2025

Alicia answered all of my questions any time of day that I called or texted. She was responsive and knowledgeable. I never had to ask for updates as she provided all information needed as it became apparent. She was lovely to work with.

Mar 18, 2025

Working with Alicia was nothing but great! She was helpful throughout the process, made sure we closed on time, and kept us in the loop as our loan was processed. Couldn’t recommend her more!

Feb 27, 2025

Alicia was super helpful! Thank you so much for everything!

Mechanicsville VA
Feb 21, 2025

Alicia was extremely responsive and available exactly when I needed her. She made my clients feel at ease during the entire process and was great to work alongside. Will highly recommend her going forward to all my clients.

Chester VA
Feb 21, 2025

The lender's availability to us and expert advice when we needed it was invaluable. She prepared us in advance for what we would need to have ready throughout the process so we weren't caught behind the ball. Overall this was a smooth process. If i could, I'd use Alicia for all home buying And selling.

Glen Allen VA
Feb 05, 2025

Alicia is absolutely irreplacable as a lender partner. My clients are always grateful for her ability to get to the heart of their goals and expertly navigate the process with them.

Crozet VA
Dec 29, 2024

Alicia was excellent at responding to our queries on short notices. We had a very pleasant experience working with her

Dec 28, 2024

Alicia is a pleasure to work with. She is completely on top of everything, gives timely responses to both myself and the clients, efficient, knowledgeable, and works hard to get the clients the best loan they can get.

Crozet VA
Dec 24, 2024

Working with Alicia as a lender has been one of the best lending expierences I had during the mortagage process. Alicia was on top of everything right from day one and has done a fantastic job in providing expedited support as she wnet above and beyond in making sure the deadlines are met , she made sure of providing regular updates, items required, clarifications at every step. I would recommend Alicia as Mortage lender to anyone looking for seamless expierence.

Dec 07, 2024

Unbelievable experience - it would be a mistake to work with anyone else!!!

Dec 07, 2024

Fastest communication ever!! Never left wondering about anything. :)

Winchester VA
Nov 22, 2024

Overall it was a great process.

Amelia Court House VA
Nov 10, 2024

Alicia stayed on top of things, to where we were able to close early. That was the first time me or my wife have even closed on time, when delays were both related to financing. The whole experience was fantastic!

Amelia Court House VA
Nov 06, 2024

Good communication and clear questions when information was needed. When we had questions, they were andwered quickly. We were even able to close two days early!

Henrico VA
Oct 30, 2024

Fastest communication ever!! Never left wondering about anything. :)

Emporia VA
Oct 18, 2024

Alicia went out of her way to make sure I understood the entire loan process to buy my first home. She never skipped a beat and had the ball rolling! Every attempt of communication was fulfilled. She is very knowledgeable of the process as well. My loan approval was a tricky one but Alicia made it work and got me approved! Thank you Alicia for all of your hard work and dedication! It is and will forever be appreciated!

Montpelier VA
Sep 22, 2024

The personalized service made my experience great.

Ruther Glen VA
Sep 12, 2024

Unbelievable experience - these people are EXPERTS - and handle things better than any bank could. As a very experienced former loan officer - I can tell you that it would be a HUGR - mistake to work with anyone else for an unlimited amount of reasons.

North Chesterfield VA
Sep 07, 2024

The convenience of online review and eSign of documents kept the process flowing smoothly. the team was very responsive to inquiries and questions throughout the process which was appreciated.

Henrico VA
Jul 30, 2024

Alicia was always available when needed. She made my whole process so easy, no stress at all. If she didn't have an answer she found one for me. Over all Alicia was amazing it was a pleasure working with you on this great opportunity for me and my family and we are so great full.

Highland Springs VA
Jul 29, 2024

I never met Alicia in person, but whenever I called or texted her, she responded immediately. She kept me informed as to our progress, she was always pleasant and encouraging when talking to me. She encouraged me to call her at anytime if I had any questions or cincerns. I love my new home, thank you!😊

Highland Springs VA
Jul 25, 2024

Alicia has been great to work with! Very informative and very detailed

Henrico VA
Jul 11, 2024

Alicia has always been extremely responsive and done a superb job of helping my clients and getting them closed.

Richmond VA
Jun 25, 2024

Alicia was responsive, informative, and patient. She also was confident, and she allowed me to be ignorant.

Richmond VA
Jun 12, 2024

The communication from Alicia was so thorough and we were always kept updated.

Barboursville VA
Jun 06, 2024

Alicia made the process super easy and answered all my questions promptly. Even when we made changes last minute she happily made arrangements to keep closing on schedule! Highly recommend!

Richmond VA
Jun 04, 2024

Alicia was super communicative!

Sandston VA
Jun 03, 2024

Alicia was amazing. She made every step of the process as easy as possible. She was very responsive with questions and emails. She also gave us great recommendations for an inspector and title company.

Oct 21, 2025

Working with Alicia was fantastic. Always kept us informed on what was going on. Answered all our questions right away and resolved any issues we had quickly and efficiently. It was a pleasure working with her and her team. Would highly recommend them.

Henrico VA
Oct 04, 2025

Knowledgeable and helpful in every way

Calculate Your Mortgage Payment

  • 3%
  • 3.25%
  • 3.50%
  • 3.75%
  • 4%
  • 4.25%
  • 4.50%
  • 4.75%
  • 5%
  • 5.25%
  • 5.50%
  • 5.75%
  • 6%
  • 6.25%
  • 6.50%
  • 6.75%
  • 7%
  • 7.25%
  • 7.50%
  • 7.75%
  • 8%
Mortgage Amount, $
250,000.00
Total Cost Of Mortgage, $
0.00
Monthly payment:
0.00
P&I
Insurance
Taxes
PMI
HOA

Rent Info

Property information

Loan information

Taxes and insurance information

Calculate now
Name
Before
After
  • Taxes and insurance, $
Before
0.00
After
22,500.00
  • Total PMI, $
Before
0.00
After
4,062.50
  • Total maintenance, $
Before
0.00
After
4,500.00
Total payments
51,996.70
125,872.72
  • Average Monthly Payment, $
Before
866.61
After
2,097.88
  • Monthly Rent Savings, $
Total
1,231.27
  • Tax Savings, $
Before
0.00
After
4,550.00
Total Rent Savings
69,326.02
  • House Appreciation Value, $
Total
382,884.47
  • Proceeds Minus Costs, $
Total
356,082.56
  • Loan Balance, $
Total
234,027.44
  • Equity Appreciation, $
Total
122,055.11
Home Purchase Benefits
52,729.09

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 800.00 per month, for example, and the average rental payment increase was 4.00, you would pay 51,996.70 in a 5 year period toward rent. If you purchased a home and borrowed 250,000.00 with a 6.50 interest rate, and you paid 900.00 every year toward its maintenance, you would pay 125,872.72 in a 5 year period toward mortgage payments if your Federal tax rate is 26.00, you pay 3,000.00 in taxes each year and your annual insurance rate is 1,500.00.

When you consider your tax benefits and the appreciation of your home, however, you will actually SAVE money by purchasing a home. If your home shows an annual appreciation of 5.00 and your selling cost is 7.00, your house appreciation value will be 382,884.47. As a result, your total home purchase benefit will amount to 52,729.09.

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4.88 of 5.00
Our average client rating. YTD 01/2023 on experience.com

"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."

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Justin Messer
President and CEO
President and CEO
Justin Messer
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prosperity
alicia.obrien@phmloans.com
alicia.obrien@phmloans.com
alicia.obrien@phmloans.com
Richmond
alicia.obrien@phmloans.com
1644440684524367
Text Link
Alicia O'Brien
alicia.obrien@phmloans.com
804-855-4590
260889