Make homeownership a reality.
Whether it's your first home or your next one, you deserve to understand exactly what you're signing up for. Real numbers, plain English, and a guide who picks up the phone.
No SSN required. Zero impact to credit. Your information is never sold.
A loan built around you, not the other way around
A purchase mortgage is a loan designed to help you buy a home. Whether you're a first-time buyer or you've done this before, there's a range of loan programs built to fit your financial situation and your goals, and as a broker, Edge shops them across multiple wholesale lenders.
Ky will guide you through each step, from pre-qualification to closing: understanding your options, comparing programs, and choosing the financing that actually fits your budget and timeline.
- ✓ Multiple loan programs to fit your financial profile
- ✓ Down payment options from 0% to 20% depending on loan type
- ✓ Personal guidance from application through closing
- ✓ Digital tools that make the process more efficient
Buying your first home? This is Ky's specialty.
Lower down payments, flexible credit, and down payment assistance exist to make a first purchase reachable. And a fact most people miss: if you have not owned in the past three years, you typically count as a first-time buyer, even if you owned before. Ky has a full guide just for first-time buyers.
The purchase loan process
Four steps. No mystery, no pressure, no scary paperwork dumps.
Quick qualifier
Complete the simple Purchase Loan Qualifier. It takes about a minute and there's no credit pull.
Real options
Receive loan options based on your actual criteria and scenario, not teaser rates.
Compare together
Ky walks you through rates and terms side by side, in plain English, until it all makes sense.
Choose with confidence
Pick the offer that fits your budget and timeline. Most purchases close within 30-45 days.
No credit pull. No obligation.
Probably sooner than you think.
Every situation is unique, but most purchase programs look at the same things: credit history, stable income, employment history (typically two years), your down payment, debt-to-income ratio, and the property appraisal. Requirements vary by loan type. FHA may accept credit scores as low as 580, while conventional loans typically want 620 or higher.
Not sure where you stand? That's exactly what Ky is for. He'll review your profile and show you which programs may be available to you, subject to credit approval. Student loans don't disqualify you, and neither does being self-employed.
Purchase Loan Qualifier
Check your loan eligibility in one minute, no SSN, no credit pull, no pressure.
Takes about a minute.
Common questions about buying a home
Have one that's not here? Just reach out, that's the whole point.
How much do I need for a down payment?
It varies by loan type. You may qualify for as little as 0% down with VA or USDA loans (if eligible), 3% down with Conventional 97, or 3.5% with FHA. Larger down payments can mean lower monthly payments, better rates, and less mortgage insurance, but they're not required to get started.
What credit score do I need to buy a home?
Minimums vary by program: FHA may accept scores as low as 580, while conventional loans typically require 620 or higher. Higher scores generally get better rates. If your score needs improvement, Ky can give you guidance on building credit before you apply.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you share. Pre-approval is a more thorough review of your credit, income, and assets, and it gives you a letter sellers take seriously. Final loan approval is always subject to complete underwriting review.
What is PMI and how can I avoid it?
Private Mortgage Insurance is required on conventional loans with less than 20% down. You can avoid it with a 20% down payment, a VA loan if you're eligible (no PMI at all), or certain lender-paid options where the cost is built into your rate.
Can I buy a home with student loan debt?
Yes. Student loans count toward your debt-to-income ratio, but they don't automatically disqualify you. Plenty of first-time buyers purchase homes while managing student debt. It's about the whole picture, not one number.
What is down payment assistance and how do I qualify?
DPA programs provide grants or forgivable loans to help cover your down payment and closing costs. They're offered by state and local housing agencies, usually with income limits, purchase price caps, and sometimes a homebuyer education course. Ky can help identify programs available in Minnesota.
What are closing costs?
Fees for finalizing your mortgage: appraisal, title insurance, origination charges, and similar. They typically run 2-5% of the loan amount, and your Loan Estimate will spell out every expected cost before you commit.
How long does it take to buy a home?
From accepted offer to closing typically takes 30-45 days. House hunting varies with the market. Getting pre-qualified before you shop streamlines everything and shows sellers you're serious.
Ready to see what you actually qualify for?
Get a no-cost quote on a purchase loan and start your path to owning your home. Educated, not sold.
Quick • No credit pull • Just real numbers
All loans subject to credit approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. This is not a commitment to lend. Licensed in Minnesota.