Hi! I'm Ryan...
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.
Ryan Fitzgerald (NMLSR #1700631) has been with Prosperity Home Mortgage since 2017 starting as a Mortgage assistant and quickly moving up to his current role as a Mortgage Consultant. Ryan enjoys working with his clients to make one of the most important financial decisions of their lives.
He understands that financing a home is exciting but can also be intimidating, so he helps his clients every step of the way through the process, making it as simple as possible. He is committed to providing exceptional service and comprehensive financial solutions to meet each client’s unique needs.
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:
01Fixed & adjustable rate mortgages
02Federal Housing administration loans (FHA)
03Veterans affairs loans (VA)
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
First time homebuyerLearn more
Mortgage managementLearn more
Equity managementLearn more
Financial plannerLearn more
Estate planning attorneyLearn more
Divorce attorneyLearn more
Know Your Monthly Mortgage Payment
President and CEO
"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
5.00 of 5.00
Our average client rating. YTD 12/2021 on experience.com
Explore the local area. Find restaurants, delivery, movers, and more...
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325 W 2nd St, Tucson, AZ 85705
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)Read more on Yelp+1 (520) 886-0918
9431 E 22nd St, Ste 127, Tucson, AZ 85710
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6453 N Oracle Rd, Tucson, AZ 85704
Tito & Pep
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...Read more on Yelp+1 (520) 207-0116
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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...Read more on Yelp+1 (520) 461-1341
200 S Park Ave, Tucson, AZ 85719
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 ,...Read more on Yelp+1 (520) 299-3566
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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...Read more on Yelp+1 (520) 886-9428
7010 E Broadway Blvd, Tucson, AZ 85710
The Breaking Point
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...Read more on Yelp+1 (520) 286-2189
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World of Wonders
Went to visit today and it's no longer in business. Too bad it was a pretty cool place.Read more on Yelp
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I'm here to answer all
your 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.
Market Update June 23, 2023
Prosperity Home Mortgage's Remarkable Ranking and a Bright Future Ahead
Building Homes and Building Communities: Our Tucson Team Joins Habitat...
Coming together to give back.
Market Update - May 12, 2023
Market Update - April 28, 2023
Introducing BorrowSmart Access
FHFA Loan Level Price Adjuster Clarification
Market Update - 4.20.23
Market Update - 4.13.23
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?