LIVE MORE.

STRESS LESS.

WE WORK FOR YOU. NOT THE BANK.

Local Stockton and Central Valley California Mortgage brokers are better and work when you are available. At Edge Home Finance Corporation we work with speed, efficiency, excellence, and with the utmost care and integrity saving you hours upon hours of frustration and taking the stress out of the mortgage process so you can spend time with the most important people in your life and making your heart happy.

 

Edge Home Finance is a true mortgage broker.

 

Mortgage brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs. We represent you, the client, not the lender. Because we are not employees of a lending institution, we are not limited in the loan program options we can offer you.

 

Shopping around for the best loan program and terms takes a lot of time and effort. We do that work so you don't have to.

 

Choosing the wrong mortgage can cost you thousands of extra dollars. We work to ensure the mortgage you get is the one best suited to your needs. We are trained professionals here to help you save money and assist you every step of the way. From creating a custom Home Buying Blueprint for First Time Home Buyers to securing the refinance terms that meet a smart homeowner's needs, we take an educational professional consultative approach to serving you.

 

The first step to living more and stressing less, is to contact us for a free consultation at 855-428-8554 or press the button below to start the pre-approval process now. We are ready to powerfully serve you while saving you time, money, and helping you get the best mortgage terms customized just for you.

MORTGAGE LOANS

TYPES OF LOANS

  • VA LOANS

    We love to serve our clients and our veterans and active military have a special place in our hearts because they serve this great country of ours. We have no down payment and no fee loan options for VA loans. To help us serve you, we will need a copy of your DD 214 and/or certificate of eligibility. Get started, complete the form here to kick off the pre-approval process.

  • FHA LOANS

    Low down payment option loan for purchase or refinance. Up-front mortgage insurance can be financed into the loan and collection accounts may not need to be paid prior to loan closing. This loan program is often favored by first-time home buyers, however, it is not limited to first time home buyers. If less than 20% down payment is made, the monthly payment for an FHA loan may be lower even with the addition of mortgage insurance. There are several type of FHA loans and during our consultations we will help guide you through your options. Go here to start the pre-approval process.

  • CONVENTIONAL LOANS

    Conventional mortgages are what the typical home buyer thinks of when they think of putting 20% down in order to avoid mortgage insurance. What people often don't know is that you can obtain a conventional mortage (and other mortgages) with LESS than 20% down. We can help you navigate all of your mortgage options so you can choose the best program with the best terms for you. Go to our pre-approval page to start the consultation process today.

  • USDA LOANS

    A USDA home loan may help you buy a home with no money down. A USDA home loan can be used to buy a new home or refinance an existing mortgage. No reserves are required and closing costs may be financed on some transactions. USDA homes are available in certain rural areas and we have several throughout California. Give us a call or start the pre-approval process online.

  • FIRST TIME HOME BUYER PROGRAMS

    First time home buyers have many options when buying their first home. Whether it is low money down, very low money down, fixer upper type of loans or avoiding mortgage insurance or obtaining lower-priced mortgage insurance premiums, we have a loan program for you. The first step is to start the pre-approval process so we can provide you options based on your specific goals and needs.

  • HERO LOAN PROGRAMS - MILITARY, LAW ENFORCEMENT, MEDICAL, EDUCATION, FIRST RESPONDERS, TEACHERS, HEALTHCARE WORKERS, GOVERNMENT/MUNICIPALITY EMPLOYEES

    Police, fire, military, teachers, healthcare workers, first responders, government employees - whether paid or volunteer, we have down payment assistance programs and no fee home loan program options for you. You have served others selflessly. Now it's our turn to serve you. Call us for a confidential consultation today or start the pre-approval process online.

  • INVESTOR LOAN PROGRAMS - MULTIPLE PROPERTIES OKAY

    A common challenge for real estate investors who believe in leveraging their finances when purchasing properties is that lenders will limit the number of properties they can own before financing another mortgage. We have several unlimited properies loan programs for investors. We finance residential and some commercial properties as well. We have programs based on investor income and based on cashflow as well. When you want to invest in real estate, look no further than Edge Home Finance's Central Valley branch. Start the pre-approval process 24/7 with our online application.

  • REVERSE MORTGAGE HOME LOANS (HECM)

    Many homeowners across the nation have chosen a Home Equity Conversion Mortgage (HECM) to help them meet financial and personal goals. A HECM loan can be a smart financial option for seniors who want to tap into a portion of equity in their home to gain access to additional funds. Most mortgages are forward mortgages, however, there is another option for our more aged homeowners and that is the reverse mortgage. There is a lot of confusion and missinformation about reverse mortgages. They are thought to be terrible, take-advantage-of-the-older-population deception and that just is not true nor accurate. The reverse mortgage loan program is an incredible tool to assist qualifying homeowners with their cash on hand while not incurring a monthly mortgage payment. There are safeguards in place and important guidelines to follow. Call us at 855-428-8554 for a free consultation to explore reverse mortgage options.

  • LAND AND NEW CONSTRUCTION LOANS

    Why worry about re-qualifying or incurring additional costs? Designed for Manufactured, Modular, and Stick Built housing, this program offers an all-in-one financing option for construction, lot purchase, and permanent mortgage funding with one closing. Because the permanent loan is closed before construction begins, there is no need to re-qualify the borrower, simplifying the construction and purchase process. We also offer separate land loans. The first step is complete the loan application online to start the pre-approval process.

  • RENOVATION AND REHAB LOANS

    Rather than having to obtain a separate loan to finance the cost of repairs (or walking away from a home you love because you do not have the cash for home improvements), the FHA 203(k) Rehabilitation Mortgage allows you to finance the rehab costs within the first mortgage saving you time and money! There are two types of 203(k) loans and we offer both for home purchases and refinances. Go here to start the pre-approval process.

  • JUMBO AND HIGH BALANCE LOANS

    We have some of the best jumbo and high balance loan programs in the country. We have nationwide high balance which can help our clients avoid some of the requirements that come with some jumbo loan programs. Our jumbo loan program is super competitive with lown down payment options with no mortgage insurance, fixed term with interest only, $100K to $5M loan amount, high cash out amounts up to $1.5M, debt to income ratio up to 55%. Start the pre-approval process online to find out what you may qualify for today.

  • ITIN AND FOREIGN NATIONAL LOANS

    Not many lenders can finance home loans for ITIN or foreign national buyers, however, here at Edge Home Finance Corporation in the Central Valley, we can! We have loan programs for personal residences, manufactured homes, land, and investment properties. Go here to start the pre-approval process.

  • MANUFACTURED AND MODULAR HOME LOANS

    FHA, VA, and conventional manufactured and modular home loan programs available. A manufactured home is a complete dwelling designed for year-round living and substantially constructed in a factory. It conforms with a National Building Code developed in 1976 by the U.S. Department of Housing and Urban Development (HUD). The home must be classified as real esate and be a minimum of 400-600 square feet. Renovation loans are available for manufactured and modular homes classified as real estate. One-Time Close construction-to-permanent loan program available through FHA and VA. Get pre-approved now.

  • DOWN PAYMENT ASSISTANCE PROGRAMS

    Here at Edge Home Finance Corporation's Central Valley Branch, we have several programs that provide down payment assistance. Some of our programs offer down payment help in the form of a grant, meaning that the funds do not have to be paid back. Some of our down payment assistance programs do have a repayment requirement when the home is sold or re-financed. Certain credit requirements and other stipulations must be met in order to qualify for down payment assistance programs. There is no such thing as "free money" and we always guide you with truth and integrity. If a down payment assistance program is something you'd like to know more about, give us a call at 855-428-8554 and we would be happy to help you navigate the down payment assistance waters. There is a lot of missinformation out there and you'll always receive the truth and real opportunities with us. Start the pre-approval process today.

  • FHA HOME LOANS FOR VICTIMS OF DISASTERS

    The FHA 203(h) program helps victims in Presidentially Designated Major Disaster Areas (PDMDA) recover by making it easier for them to purchase a new home to occupy if their existing home is affected by the disaster. The new mortgage may be used to finance the purchase of a one-family home that will be the principal residence of the applicant. The applicant is eligible for 100% financing, therefore, no down payment is required. Closing costs and prepaid expenses must be paid by the applicant through premium pricing or by the seller (subject to a 6% limitation on seller concessions). Start the pre-approval process today.

  • SELF-EMPLOYED AND BANK STATEMENT LOAN PROGRAMS

    Whether you are self-employed as a sole-proprietor or if you are incorporated, it can be challenging to obtain a mortgage and many lenders just can't do it. At Edge Home Finance Corporation Central Valley Branch, we have several options for home purchases, investments, and refinances. Start the pre-approval process today.

Our Team

Meet the Edge Home Finance Corporation Central Valley Branch Loan Originators.

We serve our clients in the Central Valley, Northern California, Stockton and Surrounding Cities, Bay Area, and all of California.

Christina Kimball

BRANCH MANAGER

Phone: 209.425.4229

Email: christina@edgehomefinance.com

NMLS | CA DBO 1484144

Roxanna Seward

LOAN ORIGINATOR

Phone: 209.406.3228

Email: roxanna@edgehomefinance.com

NMLS | CA DBO 285845

WE'RE HIRING

LOAN ORIGINATORS

We are hiring loan originators and branch managers. Contact us for a confidential interview. Seeking honest individuals of integrity and a servant-leaders heart. Call our Branch Manager at 209-425-4229.


  • 110 N. San Joaquin Street, Suite 310, Stockton, CA 95202

  • christina@edgehomefinance.com

  • (855) 428-8554

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Edge Home Finance Corporation's main office is located at 4510 W 77th St Suite #380, Edina, Minnesota 55435. NMLS 891464. Central Valley Branch NMLS 1668029.

www.nmlsconsumeraccess.org

Edge Home Finance Corp is a licensed mortgage broker in the following states CA, CO, FL, MN, PA, NC, and TX. 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 Residential Mortgage Lending Act and California Finance Lenders Law

COLORADO - Edge Home Finance Corp, 4510 W 77th St #380 Edina, MN 55435,(763) 219-8484; to check the license status of your mortgage broker, visit http://www.dora.state.co.us/real-estate/index.htm

© 2019 Copyright by Edge Home Finance Corp Central Valley Branch. All Rights Reseved.