Explore Your Options
Loan Programs
Every situation is different. As a wholesale broker, I have access to 100+ lenders and every major loan type, so we find the program that actually fits your life, not the other way around.
Government-backed, conventional, and specialty
U.S. mortgages fall into a few big buckets. Government-backed loans are insured or guaranteed by federal agencies: FHA (Federal Housing Administration, part of HUD), VA (U.S. Department of Veterans Affairs), and USDA (Rural Development). Conventional loans follow guidelines from Fannie Mae and Freddie Mac, with limits set annually by the FHFA. Jumbo loans sit above those conforming limits. Non-QM programs use alternative income documentation outside the CFPB's qualified-mortgage standard. And there are specialty products for renovation, construction, and investor deals.
Each program below links to my detailed breakdown — what it is, who it fits, and the real-world tradeoffs. Every originator is listed in the NMLS Consumer Access database; mine is #2032978 under Edge Home Finance, LLC #891464.
Not Sure Which Loan Is Right for You?
That's exactly what I'm here for. I'll walk you through your options, compare real numbers, and help you pick the program that saves you the most money, with zero pressure.
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