Talk to Craig

You work directly with Craig from the first call to the closing table — one person who knows your file, answers his phone, and keeps your agent and the title company in the loop. As a mortgage broker at Edge Home Finance he can shop your loan with multiple lenders instead of one bank’s menu.

No. VA loans are Craig’s specialty because he is a Navy veteran who has used his own VA benefit, but he also does conventional, FHA, USDA, jumbo, physician, renovation and refinance loans for every kind of buyer.

It depends on the program. VA, USDA and physician loans can be zero down for eligible borrowers, FHA starts at 3.5%, and some conventional programs start at 3% — or 1% with lender-paid assistance for income-qualified buyers. Down payment assistance can cover part or all of it.

Many lenders look for 620 or higher, and FHA allows lower scores with a larger down payment. Because Craig works with multiple lenders, a “no” from one bank is often not the final answer.

Most loans close in about 21–30 days. Some of Craig’s recent clients closed a purchase in 9 days and a refinance in 4 days when the file was ready — every file is different.