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Hi! I'm Eric...
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.

Eric Otfinoski

Mortgage Consultant

NMLS: 254462

Address: 3130 Wilshire Blvd., Ste 100, Santa Monica, CA, 90403

Eric Otfinoski (NMLSR#  254462) is a seasoned Mortgage Loan Consultant with over 25 years of experience in the mortgage industry. He is an expert in loan products ranging from Conventional, High Balance, VA, FHA, Down Payment Assistance, Jumbo, and outside of the box alternative programs. His success lies not only in his expertise on products, but his understanding that home financing is typically the largest investments in one’s life so he will be with you every step of the way through the entire process.

Eric possesses a Bachelor of BA with a major in finance and minor in accounting from the University of Connecticut. This technical background helps with even the most complex financials, but it’s his communication skills that really sets him apart – he has the ability to explain, and help clients navigate, any mortgage transaction in simple, understandable language.

Eric currently lives in Los Angeles, but is a native of Connecticut and also lived in San Diego for 25 years. His passion for animals has led him to work with homeless animals in the Los Angeles area.

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Refinance a Home
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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:

  • 01
    Fixed & adjustable rate mortgages
  • 02
    Federal Housing administration loans (FHA)
  • 03
    Veterans affairs loans (VA)
  • 04
    Renovation financing
  • 05
    Jumbo loans

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 homebuyer

First time homebuyer

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Mortgage management

Mortgage management

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Equity management

Equity management

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Financial planner

Financial planner

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Estate planning attorney

Estate planning attorney

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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:

What my clients say...


Matthew Hosek


Sherman Oaks, CA

Sep 21, 2023

We had great communication with Eric throughout the process, and really appreciated his detailed (but understandable) explanations of how the mortgage works, what our options were, etc.


Asma Akter


Culver City, CA

Sep 21, 2023

Thank you so much for helping us to reach our dream. We appreciate your effort & hard work.


Christopher Callaway


Los Angeles, CA

Sep 21, 2023

Eric did a great job of navigating the full process. He was very patient with my questions and answered everything thoroughly. He helped connect me to helpful solutions such as a lower down payment and a 1-year lender buy down which made sense for my situation


Joshua Porro


Studio City, CA

Sep 21, 2023

Good humor and great follow-through. Thanks!


Anthony Hung


Playa Del Rey, CA

Jan 2, 2023

Eric was very responsive and communicative. I really appreciated his assistance through the entire process.


Ian Menzies


Pasadena, CA

Oct 5, 2022

Eric walked me through the often overwhelming and sometimes confusing amount of paperwork and hurdles to overcome with patience and understanding. He was always happy to explain until I understood. He was a big part of making the home buying experience bearable.


Ilona Hamer


Ventura, CA

Oct 5, 2022

Eric went above and beyond to explain the process and find us the best rate for our loan. He made the journey as smooth as it could be and we are grateful for his time and energy.


Daniil Kozhemyako


Lawndale, CA

Aug 23, 2022

Excellent communication and support on all steps.


Scott Marintsch


Inglewood, CA

Oct 5, 2022

Eric was informative, professional and kept the entire experience fun and interesting (which isn’t always easy in finance!). He was extremely communicative and available, even on weekends and holidays. Can’t thank Eric enough for the fantastic customer experience!


Tatiana Mazourick


Santa Clarita, CA

Jul 20, 2022

It was a long journey with Prosperity Home Mortgage during last 3 months, with obstacles and reworks, sometimes rushing problems resolving and sometimes long wait times, and finally when all the things done, I hope in a best possible way.


Stephanie Sweat


Los Angeles, CA

May 29, 2022

Everything closed on time!


Adam Bernstein


Manhattan Beach, CA

Mar 19, 2022

Eric - knowledge, communication, involvement, personal attention


Silene Corn


Palmdale, CA

Oct 5, 2022

Eric is very knowledgeable, friendly and approachable. He took the time to explain every detail and answer all my questions with a great amount of patience . I loved the fact that he returned all my calls promptly. I had a fabulous experience dealing with Eric and I would highly recommend him to all my friends and family.


Alva Carrasco


North Hills, CA

Nov 19, 2021

Best home purchase experience I have ever experienced. Third house was the charm! Eric and team was awesome. Thank you for making the entire process so smooth.


Isabelle Safai


Laguna Niguel, CA

Oct 27, 2021

Eric is the absolute best! Very knowledgeable and helped us achieve a record 12 day close. Truly cares about his clients. Would highly recommend him to friends family ect.

President and CEO - Justin Messer

Justin Messer

President and CEO

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

4.98 of 5.00

Our average client rating. YTD 12/2021 on

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What is your home worth?

Check current market values for your home and view buyer demand.

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.

  • 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 payements 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.

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?

Eric Otfinoski

Eric Otfinoski

Mortgage Consultant

NMLS: 254462

Learn More