Home › Resources
Resources
A payment calculator, straight answers to the questions Craig hears most, and short videos that explain the rest.
Payment calculator
Estimate your monthly payment
Estimated monthly payment
$0/mo
- Principal & interest
- Property tax
- Insurance
- Mortgage insurance
- Loan amount
Illustration only — not a quote. VA shows the funding fee financed (2.15% first use) and no monthly MI; FHA uses 1.75% upfront and 0.55% annual MIP; conventional MI is estimated at 0.5%/yr under 20% down. Ask Craig for real numbers on your scenario.
FAQ
Frequently asked questions
We know the mortgage process can feel overwhelming, so here are the answers people need most.
What does it mean to work with 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.
Do I have to be a veteran to work with Craig?
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.
How much do I need for a down payment?
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.
What credit score do I need?
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.
How long does it take to close?
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.
Can I use my VA loan more than once?
Yes. VA entitlement can be reused, and in many cases you can buy again while you still have a VA loan on another home. Craig has done it himself in more than one state.
Pre-qualification or pre-approval — which do I need?
Pre-qualification is a quick estimate. Pre-approval verifies your income, assets and credit, so sellers take your offer seriously. Craig recommends pre-approval before you tour homes.
Which states does Craig lend in?
Craig is based in Dallas–Fort Worth and lends in multiple states through Edge Home Finance. Recent closings include Texas, Virginia, Missouri, Kansas, Maryland, Louisiana, Georgia and North Carolina. Current licenses are listed on NMLS Consumer Access under #2650008.
Videos
More on InstagramLearn with Craig
Need a human touch?
Craig picks up.
Call, text or book 15 minutes. You will talk to Craig — not a call centre.