Buying or refinancing your home is a very exciting step! The specialists at The Kosmecki Team at Edge Home Finance are here to guide you through every step of the loan process. We will find the best option to fit your specific needs. We call this “A CLEAR  MORTGAGE PLAN”!

Mortgage clients have a lot of questions and our loan specialists are always available to provide personal attention. They can explain the application process, provide tips during your home search, and make sure that once you have a contract to purchase, the path to closing on your new home goes well.

A fixed Rate is the Most Popular  Program

30-Year Fixed Rate Mortgage

This most secure loan type. Lock in a low payment and sleep tight, knowing your rate will not change. This type comes in many loan programs including:

Conventional Loan

Perfect for the more qualified buyer. It offers better rates to those with high credit scores, more down payment and the like. It allows first time buyers to finance with as little as 3% down payment.

FHA Loan

Perfect for the buyer that wants to put less money down. Purchase your house with as little as 3.5% down! This option is more forgiving for borrowers with less credit, less than perfect credit and allows for higher debt to income ratios.

VA Loan

An amazing deal for veterans and military members. Those who qualify for this loan can purchase with no down payment and no PMI. Find out today if you qualify!Edge