Home loans
Going to one bank means seeing one set of options. I shop your file across 100+ lenders, then explain every step in plain language. I am licensed in Minnesota and Wisconsin, and home loans in other states are available through the licensed team at Edge Home Finance, LLC, with me as your point of contact.
Seeing your options takes no hard credit pull, so your score is not affected. About 60 seconds.
Already under contract?
If you're under contract and holding a Loan Estimate from another lender, text me a photo of it. I'll compare it against my lenders and tell you straight whether I can do better. If I can't, I'll say so, and you keep your lender.
Feel free to cover your name and loan number before you send it.
About fifteen minutes online, or call me and I'll walk you through it.
Documents reviewed first, so the letter means something to a seller.
I keep you posted at every step. No surprises at the closing table.
These are the most common paths, and with 100+ lender relationships there are many more behind them. Self-employed? Your write-offs are not the end of the story.
Standard purchase financing for buyers with strong credit profiles. Fixed and adjustable options.
Built for first-time buyers and buyers whose credit is still a work in progress. Government-backed, flexible qualification.
For veterans and service members. Earned, not given. No monthly mortgage insurance.
For eligible rural and suburban properties, with low down payment options for buyers who qualify.
Above conventional loan limits. I work with lenders who specialize in large-balance purchases.
Lower the payment, shorten the term, or access equity. I'll tell you honestly if a refinance makes sense, and honestly if it does not.
Flexible, revolving access to the equity you have built, without touching your first mortgage. A HELOC is secured by your home.
Programs that let you make a non-contingent offer while you still own your current home.
Purchase and repairs in one loan, for the home that needs work.
Coffee at the kitchen table
He called because the online application was winning. An older gentleman, sharp as anyone, and not about to photograph his bank statements with a phone. I get it. So I drove over. We had coffee at his kitchen table, and in one afternoon every document was in.
Then he told me he only meant to keep the loan about a year. That is not a thirty-year problem. We built it so he put the least cash down up front.
The right loan depends on your plan, not the lender's menu.
Same loan, thousands less at the table
She knew exactly what she wanted. Another lender had priced it so high the deal barely made sense. The structure was fine. The price was not.
I found the same structure at a far lower cost. She kept the loan she wanted, saved thousands at closing, and we closed in under twenty days.
Shopping the loan is the minimum. Shopping the cost of the loan is the job.
Real clients, details changed for privacy. Every loan is different.
Adjust the inputs to match your situation. Every estimate updates as you type, and nothing here asks for your email.
No jargon. Plain answers to the questions I hear every week.
More questions? Read the answers, or text me yours.
One conversation: programs, what you need, timeline. No pitch.