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

Alicia O'Brien
260889
Alicia O'Brien
260889
409 Strawberry Street

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.

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
1500
+

Ask Us About
Pathway To Prosperity

Ask Us About
Pathway To Prosperity

Ask Us About
Pathway To Prosperity

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.
Have more questions? I've got answers.
What our customers are saying
Alicia was super communicative!
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.
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.
Knowledgeable and helpful in every way
Alecia was patient, communicated well and got the job done.
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
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!
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.
The absolute best. A positive, competent and caring professional who answered every phone call and provided support whenever we needed.
Alicia is top notch and knows how to deliver a one of a kind customer experience. A++++
Alicia was accessible, knowledgeable, kind, and patient. She is a strategic thinker. She wants the best for her clients.
Helpful, effecient, friendly service. Alicia worked hard to help us through the process. Definitley recommend.
Professional, knowledgeable and prompt.
Alivia made herself available to answer all of our questions and made the process very smooth! Great experience overall!
I cannot recommend Alicia O'Brien enough! She made the daunting process of home buying a pleasure.
Alicia as great and took care of every detail in a timely fashion
Alicia was very friendly and patient with us during the entire process. Everything went smoothly and we are very appreciativ.
Alicia is amazing.! Very knowledgeable and efficient. Answered emails and calls very quickly Would 1000% recommend her
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.
Alicia was informative, supportive, communicative and timely. We enjoyed our homebuying process with her.
Alicia was informative, supportive, communicative and timely. We enjoyed our homebuying process with her.
The whole experience
Great overall experience
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.
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.
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!
Alicia was super helpful! Thank you so much for everything!
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.
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.
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.
Alicia was excellent at responding to our queries on short notices. We had a very pleasant experience working with her
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.
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.
Unbelievable experience - it would be a mistake to work with anyone else!!!
Fastest communication ever!! Never left wondering about anything. :)
Overall it was a great process.
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!
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!
Fastest communication ever!! Never left wondering about anything. :)
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!
The personalized service made my experience great.
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.
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.
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.
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!😊
Alicia has been great to work with! Very informative and very detailed
Alicia has always been extremely responsive and done a superb job of helping my clients and getting them closed.
Alicia was responsive, informative, and patient. She also was confident, and she allowed me to be ignorant.
The communication from Alicia was so thorough and we were always kept updated.
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!
Alicia was super communicative!
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.
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.
Knowledgeable and helpful in every way
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