The Mortgage Process
Does Not Have To
Be Stressful!
When seeking a mortgage lending partner you deserve an individual who will be honest and transparent in all facets of the mortgage process. Rest assured that my team will consistently deliver on this promise.
Being a broker allows me to offer you many options from many lenders all working hard to get your business. They compete on programs, process and rates which benefit you. Having this many options could be overwhelming but we work hard to provide these options to you in a clear, concise and honest way. Our goal is 5 star reviews every time. Check them out here!
CONVENTIONAL
The vast majority of mortgages are conventional loans. Down Payments as low as 3% for First Time Homebuyers. Can be used for up to 4 unit properties.
FHA
The Original First Time Homebuyer program. Down Payments as low as 3.5%. Usually lower interest rates than conventional loans. More lenient qualifications.
VA
If you are a veteran, or are currently serving, you can purchase a home with as little as zero percent down. An amazing program for our service members!
USDA
A speciality program for buyers looking to purchase in more rural or undeveloped areas. Down payments as low as zero percent down.
BUY THEN SELL
Pairs a cash out refinance, or bridge, with a new purchase mortgage making it possible to purchase a new home prior to selling with no money out of pocket.
HECM/REVERSE
For qualifying persons over 62 and with equity requirements, this amazing program allows the borrower to access a portion of their equity without monthly payments.
BRIDGE
Pull equity out of your current primary residence to use as the down payment on your new home. Let your equity work for you to accomplish your dreams!
DSCR
Used for the purchase of an investment property this tool, the Debt Service Coverage Ratio loan, allows a buyer to purchase with only the potential property income.
HELOC
Access the equity from the increase in appreciation in the value of your home for whatever purpose you choose. Quick close and interest only options.
NMLS# 1740379 • (303) 870-6165
charles.davis@edgehomefinance.com • approvedbycharles@gmail.com
