Discovery Call
We start with a conversation about your goals, your timeline, and what you're working with. No pressure, no commitment.
Independent Mortgage Broker · TX · OK · TN
Own Your Home.
Own Your Future.
Mortgage Broker. Over 100 Lenders. The best rates and loan programs to achieve your home ownership goals.
NMLS #2032978 · Edge Home Finance, LLC · NMLS #891464 · 
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Mortgage tips and guides—newest first.
Find Out Where You Stand
Ready to buy a home? Let's find out.
Take our 3-minute quiz and get a personalized readiness assessment.
Meet Ben
A quick word from me
Video coming soon
I started in mortgage because I saw too many people getting a bad deal and not even knowing it. This is a quick intro to who I am and how I work.
About Ben
Before lending, I spent years in senior leadership in the hotel industry. Then COVID hit, I was furloughed, and I had a decision to make, wait for the callback, or bet on myself. I closed 109 loans in my first year and made the Scotsman Guide Top 1% of originators. Not because I was the best salesman in the room, but because I was coaching people and being straight with them. That's still how I operate today.
How It Works
The mortgage process, demystified.
No surprises. No jargon. Here's exactly what happens from first call to closing day.
Application & Pre-Qualification
You complete a quick application and send me some documents. I pull together your numbers, and we figure out exactly what you qualify for and what makes sense.
Shop & Make Offers
Armed with your pre-qualification, you go shopping with your realtor. When you find the one, I update what needs to be updated and get the ball rolling.
Processing & Underwriting
My team packages your file, submits it to the lender, and manages every condition. Your job is simple: get us what we ask for, when we ask for it, and start planning your move.
Clear to Close
The lender gives the green light. We schedule closing and make sure everything is buttoned up.
Closing Day
You sign the papers, get the keys, and officially become a homeowner. Don't be surprised if I'm more excited than you are.
What Are You Looking For?
Let's point you in the right direction.
Helpful Resources
Dig deeper before you call.
Plain-English answers, real process details, and local market info. Use whatever helps — none of it requires a credit pull or a phone call.
Where I lend
Licensed mortgage broker in Texas, Oklahoma, and Tennessee. Pick your market for state-specific details.
VIP Rate Watch
Get notified when rates drop.
Join the VIP refi list. When rates fall below your current rate, you'll be the first to know.
No spam. Just rate alerts.