Blog Archive
Some Highlights Mortgage pre-approval means a lender has reviewed your finances and, based on factors like your income, debt, and credit history, determined how much you’re qualified to borrow. Being pre-approved for
If you’re thinking about buying a home today, there’s welcome news. Even though it’s still a sellers’ market, it’s a more moderate sellers’ market than last
If you’re looking to buy your first home, you’re likely balancing several factors. Because both mortgage rates and home prices have risen this year, it costs more to buy
If you’re following the news, all of the headlines about conditions in the current housing market may leave you with more questions than answers. Is the boom over?
Experts in the real estate industry use a number of terms when they talk about what’s happening with home prices. And some of those words
If you own a home, your net worth likely just got a big boost thanks to rising home equity. Equity is the current value of your
Wondering when is a good time to buy a house in Colorado? Or asking yourself if you could save money by waiting to buy a
Credit Scores Affect Mortgage Loan Rates Overview There are 5 key factors that make up your credit score and they are weighted approximately as follows:
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 Corp, 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 Corp, 5868 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
