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About
Prosperity Home Mortgage
700 Grand Avenue
St. Paul, MN 55105
Prosperity Home Mortgage, LLC is a full-service mortgage banker specializing in residential and refinance loans and is a subsidiary of HomeServices of America, a Berkshire Hathaway Affiliate. Prosperity operates in 49 jurisdictions and, in 2023, funded nearly $7 billion in production. Prosperity's team of over five hundred Mortgage Consultants works closely with consumers throughout the financing process, ensuring customers can make informed decisions on their journey to homeownership.
Prosperity Home Mortgage offers a wide range of mortgage products, including fixed and adjustable-rate mortgages, jumbo loans, Federal Housing Administration (FHA), Veterans Affairs (VA) loans, and renovation financing. We helped over 19,000 customers buy a new home in 2023, with almost 9,000 of those being first-time homebuyers. Each and every day, customers entrust Prosperity with the biggest financial transactions most will likely ever make. We take tremendous pride in providing exceptional customer service and view each transaction as an opportunity to impress.
©2025 Prosperity Home Mortgage LLC®. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031. All first mortgage products are provided by Prosperity Home Mortgage, LLC®. Not all mortgage products may be available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) Arizona Mortgage Bankers License 1001252. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Licensed by the Delaware State Bank Commissioner. Georgia Residential Mortgage Licensee. Massachusetts Mortgage Lender and Mortgage Broker MC75164. Licensed by the NJ Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. Rhode Island Licensed Lender. Rhode Island Licensed Loan Broker. Rhode Island Licensed Third-Party Loan Servicer. Also licensed in AK, AL, AR,AZ, CO, CT, DC, FL, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND,NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY. Prosperity Home Mortgage, LLC® , Prosperity Home Mortgage and the Open Door Icon are Registered in U.S. Patent and Trademark Office.
About Karna Young Ferguson
I am Karna pronounced (Car-Na), a REALTOR® with Edina Realty serving the Twin Cities metro and surrounding Minnesota communities. I have over 23 years of experience, I have built a reputation for providing steady, informed guidance to buyers and sellers navigating important and often complex real estate decisions.
My work spans a wide range of markets and price points, including exceptional and distinctive properties that require thoughtful positioning, strong negotiation, and tailored marketing strategies. My approach is grounded in experience, preparation, and a deep understanding of local market dynamics—allowing my clients to move forward with confidence whether they are purchasing their first home, selling a long-time property, relocating, or making a strategic move in a changing market.
I am known for her local market knowledge across Minneapolis, St. Paul, and the surrounding Twin Cities suburbs, as well as her ability to clearly explain options, anticipate challenges, and protect my clients’ interests throughout the process. She combines data-driven pricing, effective negotiation, and modern marketing tools—including professional photography, video, and digital exposure—to position homes competitively and help buyers and sellers achieve their goals.
Clients value my responsiveness, professionalism, and calm, client-first approach. I understand that every transaction is unique, and I tailor my strategy to align with each client’s priorities, timeline, and comfort level. Whether guiding buyers through competitive offers or helping sellers prepare and position their home for maximum value, I focus on clear communication, sound strategy, and results.
Above all, I believe real estate decisions should be made with clarity—not pressure. My goal is to provide trusted guidance, honest insight, and a smooth experience from start to finish, so her clients feel confident in every step they take. Service Areas: Twin Cities Metro, Shoreview, St. Paul, Roseville, Arden Hills, Maplewood, Delano, Lakeville, North Branch, and surrounding Minnesota communities.
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The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than St. Paul Grand Avenue are marked with the Broker Reciprocity logo or the Broker Reciprocity thumbnail logo (little black
house) and detailed information about them includes the name of the listing brokers.
© 2026 Realtor Association of Southern Minnesota. All rights reserved. The data relating to real estate for sale on this limited electronic display comes in part from the Broker Reciprocity (sm) Program of the Realtor Association of Southern Minnesota Multiple Listing Service. Real estate listings held by brokerage firms other then St. Paul Grand Avenue are marked with the Broker Reciprocity(sm) logo or the Broker Reciprocity(sm) thumbnail logo (a little black house) and detailed information
Information should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is recommended. Copyright ©2017 All rights reserved.
