Mortgage Resources
Welcome to our Mortgage Resources page, designed to help you navigate the mortgage process with confidence. Here, you’ll find valuable tools like our mortgage calculator to estimate your monthly payments, as well as a detailed FAQ section to answer common questions, and links to our blog for expert tips and insights. At Edge Mortgage, Inc., we’re committed to making home financing as straightforward as possible. So, whether you’re a first-time buyer or looking to refinance, these resources will give you the knowledge you need every step of the way.
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Popular Questions
We make it a priority to listen and answer all your questions.
Mortgage brokers research a variety of loan options from multiple lenders and find the best mortgage for your financial situation.
1. Application
2. Credit ordered
3. Documentation requested and reviewed
4. Preapproval given if qualified
5. Loan submitted to lender
6. Disclosures issued
7. Submitted to underwriting
8. Appraisal ordered
9. Additional documentation gathered
10. Final loan approval
11. Clear to close
12. Loan closed and funded
Mortgage points, also known as discount points, are fees a home buyer pays directly to the lender in exchange for a reduced interest rate. This is also called “buying down the rate.”
1 point = 1 percent of your mortgage ($1,000 for every $100,000)
It’s really not all about your income. How much a potential borrower makes is important, but it’s not the only factor considered when getting approved. Credit score, work history, and loan type are just a few other factors to consider.
This will vary by loan program and various factors.
Conventional – as low as 3%
FHA – as low as 3.5%
VA – as lows as 0%
USDA – as low as 0%
1. When you can reduce your interest rate
2. When you can eliminate mortgage insurance
3. When you can shorten the length of your loan
4. When you can use your equity for home improvements or to consolidate debt
1. Apply for a credit card: Opening a revolving line of credit is a great first step towards building a credit profile.
2. Become an authorized user: Get added to a parent or partner’s established revolving account.
3. Create a positive payment history: Put a small balance on your new card. Keep the usage below 50% and make your payments on time.
–Information provided by CIC Credit
1. Fix errors on your credit report
2. Stay below your credit limit
3. Tackle past-due bills
4. Pay down revolving account balances
5. Limit how often you apply for new accounts
“2023 is expected to bring some changes as well; all 3 credit bureaus stated that in the first half of next year they will no longer be reporting any medical debt with balances of $500 or less. While these bureau level changes only apply to medical collection debt, it is still a huge win for loan originators and borrower’s alike!”
We don’t typically have to include medical debt in our debt to income ratio, but they do hurt credit scores So this is wonderful news for home buyers!
– Information provided by CIC Credit
When a credit report is pulled and does not provide a monthly payment for the student loan, or if the credit report shows $0 as the monthly payment, the lender must determine the qualifying monthly payment. This will depend on the loan program you are using.
Browse Our Informative Blogs Now: Your Go-To Mortgage Resource for Expert Advice
Melissa M2025-02-23 Keri was great to work with. Highly recommend. Susan Ward2025-02-23 Sherry Hill2025-02-19 We had a great experience with our mortgage. They were very pleasant to deal with , very knowledgeable and professional. We would definitely use their services again! John Kienholz2025-02-18 Meggan Carter2025-02-16 We had the best experience with Edge Mortgage! Keri was super friendly, helpful, knowledgeable and still helps out that we have done past closed on our property. Will use them every time, and recommend to everyone! Phyllis Bruce2025-02-06 Keri was on top of all our paperwork every step of the way! Realtor commented on how nice it was that she answered the phone when he called unlike a lot of agents he deals with! She was prompt, very helpful & very professional!!! J G2025-02-06 Keri and her team are professional! The process is easy because they know what they are doing. Highly recommend! Hope Landin2025-01-29 Darin Lanckriet2025-01-27 I would highly recommend Keri at Edge Mortgage. She very informative throughout the whole mortgage process. Great experience! Brett Sargent2025-01-26 Edge mortgage is the best at what they do, they made the experience so easy. 10/10 i highly recommend. I will use them every time.