Blog Archive
The journey to homeownership can be uniquely challenging for self-employed individuals. The flexibility and autonomy of self-employment come with its own set of hurdles when
Embarking on the journey to homeownership can be thrilling, yet the path is often paved with intricate financial preparations. As a Mortgage Loan Originator, I’ve
Today’s market is at a turning point, making it more essential than ever to work with a real estate professional. Not only will a trusted real
When navigating the complex world of home buying, one term you’re likely to encounter is “discount points” in relation to your mortgage. Often simply called
Title: Understanding the Gift of Equity in Real Estate Transactions In the complex world of real estate transactions, there are numerous terms and concepts that
An escrow account for a mortgage is a separate account set up by the lender to hold funds collected as part of your monthly mortgage
A mortgage payment is typically made up of several components, often referred to by the acronym “PITI,” which stands for Principal, Interest, Taxes, and Insurance.
The term “forced savings account” is often used to describe a mortgage because, in essence, making regular mortgage payments forces homeowners to build equity in
Mortgage amortization refers to the process of gradually reducing the balance of a mortgage loan through regular payments over a specified period of time. These
The real estate market is on just about everyone’s mind these days. That’s because the unsustainable market of the past two years is behind us,
Why Choose Nick Ross at Edge Home Finance?
Mortgage Brokers have the unique ability to broker mortgages from many different lenders. Instead of being locked into a set of programs provided by a bank or lending institution, Nick Ross is able to seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust, Insurance Company, or Private Funding. Mortgage rates fluctuate all the time and as a Mortgage Broker who is used to working with multiple lender partners, Nick Ross knows where the best rates can be found at any given time. What’s more, he has the knowledge required to present a proposal for financing to lenders in the best way possible in order to successfully obtain fast and reliable mortgage financing.
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Edge Home Finance, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. Edge Home Finance Corp is a licensed mortgage broker in the following states AL, AZ, CA, CO, DE, FL, GA, HI, ID, IL, IN, KS, KY, MA, ME, MI, MN, MO, MS, NC, ND, NH, NM, OH, OK, OR, PA, UT, SC, SD, TN, TX, VA, WA, WI, & WY. The following states require disclosure of licensing information. (If your state is not listed, it does not require a specific license disclosure):
CALIFORNIA – Licensed by the Department of Business Oversight under California Finance Lenders Law
COLORADO – Edge Home Finance, LLC, 5860 Baker Road Minnetonka, MN 55345 (763) 219-8484; to check the license status of your mortgage broker, visit https://apps.colorado.gov/dre/licensing/Lookup/LicenseLookup.aspx
TEXAS – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOVA TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
