a clear start to your homebuying journey
Whether it’s your first, next, or forever home, purchasing a home is a big step. It helps to start with a clear plan.
Buying a home is a big step, and it’s natural to wonder where to begin. Most buyers find that once they understand their options, everything starts to feel more manageable — and that’s where a pre-approval becomes so valuable. It gives you a clear plan and the confidence to move forward when the right opportunity comes along.
At Edge Mortgage, Inc., we approach your pre-approval with clear communication and thoughtful planning, taking the time to review your financial picture, explain your options, and help you choose a loan structure that fits your goals so you know exactly where you stand before you begin your home search.
Many buyers aren’t aware that there is a difference between being prequalified and truly pre-approved. Understanding that difference can give you a clearer picture of your options. It can also put you in a stronger position when you’re ready to make an offer. We recommend starting with a full pre-approval so you know exactly where you stand.
pRE-APPROVED
Edge Mortgage, Inc. does a thorough review of:
– Pay stubs and/or tax returns
– Full credit to pull to review all liabilities
– Bank and asset statements
– Edge Mortgage, Inc. then determines:
– Desired monthly payment
– Down payment needed
– Purchase amount
– Anticipated interest rate
– Estimated monthly payment
PREQUALIFIED
The borrower provides basic information of:
– Income
– Credit
– Bank accounts
– Desired down payment
– Desired monthly payment
– Edge Mortgage, Inc. estimates then what the borrower can afford based on the information provided.
we Believe Being Pre-approved is the most Important step before house hunting.
At Edge Mortgage, Inc. we will review and discuss all loan options available to help you make the best decision for your needs.
Having a mortgage pre-approval from Edge Mortgage, Inc. is extremely valuable when it comes time to make an offer on a house, especially in a competitive market where you want to stand out among other potential buyers.
Again, a seller will be more likely to consider you a serious buyer because you have had your finances and creditworthiness verified.
TYPES OF PURCHASES
PRIMARY RESIDENCE
SIMPLE AS IT SOUNDS
It is used for your primary home where you reside the majority of the time.
SECOND HOME
THINK VACATION HOME
You occupy it for part of the year in addition to your primary residence.
investment PROPERTY
BUSINESS PURCHASE
Your purchase with the intention of earning a return through rental income, future resale, or both.
not sure what option fits your goals? explore your options here
are you ready to take the next step?
Clarity upfront for confident next steps.
We take pride in a clear and well organized process from the time you start your application until it’s complete. This ensures that things go smoothly as we proceed through the remainder of the loan process.