Prosperity Home Mortgage
Our Preferred Lenders
pam.hickman@agentownedrealty.com
401 South Mill St., Manning, SC 29102, USA
Since becoming a licensed real estate professional in October 2019, I have built a career centered on unmatched dedication, deep market knowledge, and a commitment to serving clients with integrity. Over the past five years, I have successfully closed more than $7,000,000 in sales volume, representing buyers and sellers across a wide range of property types. My experience spans multiple regions through my membership in both the Greater Pee Dee MLS and the Sumter MLS, giving my clients a broader reach, stronger exposure, and the advantage of multi-market insight.
My clients and colleagues consistently describe me as someone who goes above and beyond to ensure a smooth journey to the closing table. I take pride not only in negotiating strong deals, but also in handling the many moving parts behind the scenes—coordinating inspections, addressing county requirements, communicating with lenders and attorneys, and anticipating potential roadblocks before they become issues. Whether working with first-time buyers, experienced investors, or families preparing to sell a long-time home, I approach every transaction with patience, transparency, and a genuine desire to create the best possible outcome.
A key strength in my business is the network of trusted professionals I have developed over the years. I maintain strong working relationships with reliable lenders, inspectors, contractors, surveyors, appraisers, and attorneys who share my commitment to quality service. These connections allow me to offer clients a seamless real estate experience and keep transactions on track even when challenges arise. My clients never feel like they are navigating the process alone—I walk them through every step with clear communication and dependable support.
Real estate is not a typical nine-to-five career, and I have fully embraced that. I am known for being willing to work 24/7 to meet the needs of my clients, whether that means answering late-night questions, showing property early in the morning, or negotiating time-sensitive offers on weekends and holidays. My work ethic, combined with strong organizational skills and a background in customer service and business management, has allowed me to not only meet expectations but exceed them consistently.
Ultimately, my goal is simple: to provide exceptional service backed by experience, professionalism, and a genuine passion for helping people achieve their real estate goals. Every client deserves an agent who will advocate for them, protect their investment, and make their journey as smooth as possible—and that is the standard I strive to uphold every single day.
Mortgage Help
Down Payment
The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.
Loan Term
Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.
Loan Type
There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.
Interest Rate
This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.
Property Tax Rate
The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.
Home Insurance
Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.
HOA Fees
A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.