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What is It?
Prequalification is how lenders determine if you will be a reliable borrower. Lenders need to know your credit score, before they are able to see if you are able to receive a loan or what the loan rate will be.
Before you can go out to look at homes with your realtor, You will also need a prequalification letter. If you would like to start the process ASAP, please click Get Started below and answer the following questions.
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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
