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About Us

Trusted support for every step

EDGE Home Finance Mortgage Group offers high-quality mortgage brokerage services to residential customers. Our aim is to provide our customers with fair mortgage rates at reasonable prices, while keeping our clients informed and educated throughout the process.

FHA Loans

Flexible. Accessible. Designed for First-Time Buyers.

  • FHA loans are a great option for buyers who may not have perfect credit or a large down payment saved.
  • Backed by the Federal Housing Administration.
  • These loans offer competitive interest rates and more flexible qualification.
  • guidelines — making homeownership possible sooner than you may think.
  • Fixed EMI for up to 30 years
  • More lenient credit requirements
  • Great for first-time buyers
  • If you’re ready to stop renting but unsure if you qualify, an FHA loan may be the perfect starting point.
Learn more

USDA Loans

100% Financing for Eligible Rural & Suburban Areas.

  • USDA loans are one of the best-kept secrets in home financing.
  • Designed to promote homeownership in eligible rural and suburban areas.
  • Designed to promote homeownership in eligible rural and suburban areas.
  • 100% financing available
  • Reduced mortgage insurance costs
  • Ideal for moderate-income households
  • Designed to Many areas qualify that buyers don’t even realize — let’s check to see if your dream home is eligible.promote homeownership in eligible rural and suburban areas.
Learn more

Conventional Loans

Flexible Options for Stronger Credit Profiles.

  • Conventional loans are not backed by the government and often offer competitive rates and flexible terms for qualified buyers.
  • This option is ideal for borrowers with solid credit and stable income.
  • As little as 3% down for first-time buyers
  • No upfront mortgage insurance
  • Opportunity to remove PMI once equity is built
  • If you’re looking for long-term flexibility and potential savings, a conventional loan may be your best fit.
Learn more

VA Loans

A Benefit You’ve Earned Through Service.

  • VA loans are available to eligible veterans, active-duty service members, and certain military spouses.
  • Backed by the U.S. Department of Veterans Affairs.
  • Designed to promote homeownership in eligible rural and suburban areas.
  • This program offers powerful benefits with little to no upfront costs.
  • 100% financing available
  • Reduced mortgage insurance costs
  • Ideal for moderate-income households
  • Designed to Many areas qualify that buyers don’t even realize — let’s check to see if your dream home is eligible.promote homeownership in eligible rural and suburban areas.
Learn more

Real Estate

Featured Properties

Discover curated properties with pre-approved financing options and transparent pricing.

Tools

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Our Services

Why Clients Trust Our Services

We combine professional expertise with smart solutions to deliver reliable, high-quality results for every project.

Conventional , USDA, FHA, Construction and VA Loans

Buying a home does not have to be a one-size fits all process. We offer a variety of programs to meet your specific need and goals.

Rehab, Self-Employed, Hard Money Lending, and Construction Loans

About 90% of the world’s millionaires have been created by investing in real estate. Here at EDGE Home Finance Mortgage we have partner with banks tailored to meet the needs of entrepreneurs and real estate investors.

Refinances

Refinancing your home can be as scary as buying your first home. BUT, it does not have to be. There are many benefits to refinancing your home. We look at your current situation, your goals, and the current market to help you decide if refinancing is the option for you.

Our Advantage

Why Thousands Trust EDGE Home Finace

We combine banking expertise with real estate knowledge to make home ownership accessible.

Lowest Interest Rates

Starting from 2.9% p.a. with no hidden fees or surprise charges.

Flexible Repayment

Choose terms from 5 to 30 years with early repayment options.

Award-Winning Service

Voted #1 system home loan provider for 5 consecutive years.

Dedicated Support

Personal loan advisor available 7 days a week for your journey.

24-Hour Approval

Get pre-approved within a day. Move fast on the property you love.

Secure & Licensed

Fully regulated bank with FDIC insurance and secure transactions.

FAQ

Your Questions, Answered

Helpful answers to common questions about working with Loan Officer Monique Hogan and the EDGE home finace process.
What is the process of buying a home and where do I start?

Step 1: KNOW YOUR FICO MORTGAGE SCORE (NOT CREDIT KARMA, NOT EXPERIAN, EQUIFAX, TRANSUNION, CREDIT WISE, CREDITCHECKTOTAL, PRIVACY GUARD, IDENTITY IQ, SMARTCREDIT, ETC)

You need to know all 3 of your Mortgage FICO Scores and need the middle score. That is done by two ways: You can either apply for a home loan and this will give your mortgage scores with a hard inquiry (PLEASE SEE FAQ 4 FOR STEPS) OR you can get a credit analysis done by me.

Step 2: If your score is above 580, you may put in an application for a home loan to see if you can get preapproved (SEE FAQ 4). If your score is below 580, you need to work on your credit to bring it above 580 and should request a credit analysis (SEE FAQ 3) and once you have completed the steps and have above a 580 score, then you may apply for a home loan.

Step 3: After you have applied and received a pre-approval letter, contact a Real Estate Agent, if you don’t already have one and start looking for homes.

Step 4: Find a Home, Make an Offer, Get Offer Accepted, Go Under Contract, Start the Loan Process, Close!!!

We have banks that go as low as a minimum 580 middle FICO mortgage score, however 620 or better is the recommended minimum score for the most favorable terms.

You can have a credit analysis completed by me. The analysis cost is $29.95 which is for your Fico score account to be setup. This includes setting up an account to access all 3 of your Credit Reports and all 28 of your FICO Scores, but most importantly your 3 MORTGAGE FICO SCORES (which are the scores used when applying for a home loan). Click here to setup your Fico account, https://secure.myfico.com/signup?product=3BM_ADV_M_Q . After you complete this step, EMAIL YOUR LOGIN INFORMATION THAT YOU SETUP TO monique.hogan@edgehomefinance.com or send back to the person who directed you to the site for an analysis.

THIS WILL BE A SOFT INQUIRY AND DOES NOT AFFECT YOUR CREDIT!!! Please make sure you cancel your account as soon as you set it up so that you are not charged! YOU WILL STILL HAVE ACCESS TO SCORES AND UPDATES FOR 30 DAYS!

***CREDIT ANALYSIS MAY TAKE UP TO 7 DAYS TO COMPLETE***

THIS WILL BE A HARD INQUIRY!!!

1. ID or Drivers License

2. Most Recent 30 Days of Paystubs from ALL current jobs

3. Most Recent 2 Months Bank Statements That Shows Your Money You Will Use To Close

4. 2020 and 2019 Tax Returns

5. 2020 and 2019 W2s and/or 1099s

6. (OPTIONAL IF APPLICABLE) Most Recent 401K Statement

***IF YOU DO NOT HAVE THESE ITEMS AVAILABLE, PLEASE DO NOT PUT IN AN APPLICATION UNTIL YOU HAVE THEM AVAILABLE TO SUBMIT***

You may apply for a loan using the link below

https://prod.lendingpad.com/edge-home-finance-corporation/pos#/?loid=78b0b2b0-0d63-48d1-82cd-c7b239509c49

 

That can vary based on multiple factors but as a general rule of thumb: All loans have closing costs that are on average around 4% of the purchase price of your home (the price you agree to pay for it on the contract).

For example, if you are buying a home for $200,000 you can expect to pay on average $8,000 for the Closing Costs (in addition to any down payment required).

Conventional loans have a 5% down payment requirement.

FHA has a 3.5% down payment requirement.

VA and USDA loans require NO DOWN PAYMENT.

Down payments are in addition to closing costs.

Closing costs are the cost associated with purchasing a Home and consist of the following (AND ARE SUBJECT TO CHANGE BASED ON MANY DIFFERENT FACTORS SUCH AS):

1. The cost of your interest rate (interest rates change daily so this number can change until locked).

2. Closing Attorney Fees (You have to pay the Attorney for assisting with your Closing and you can choose any Attorney that you like).

3. Property Tax and Insurance must be paid at the Closing for 1 full year.

4. Other miscellaneous loan fees such as Credit Report, Application fees, Underwriting and Processing fees ETC

We offer loans that rely on bank statements as income instead of the traditional method of tax returns. You will need 12-24 months of bank statements to prove monthly income received.

Testimonials

What Our Clients Say

Real stories from homeowners who trusted EDGE Home Finace with their biggest investment.

Having Monique as my realtor was a great experience. She provided the support and reassurance i needed thought out the entire process. Being able to ask general questions concerning my loan and getting helpful answers was a plus! Making a big purchase like this can sometimes be overwhelming, but having someone with a genuine heart and positive attitude made all the difference!! I would definitely recommend her to anyone looking for a reliable and caring realtor!!

Nicole Lindsey

She was absolutely wonderful helping me find a home always went the extra mile to make sure I fully understood the process and had great communication I highly recommend working with her Justice Hill Great communication, and was on top of things from start to finish! I will be using your services in the future always!

Brevon Lee

Want to say thank you very much for all of your help. You was very helpful through the whole process of me getting my new home. Want to say thank you very much. Monique Hogan

kenneth gibbs

Great communication, and was on top of things from start to finish! I will be using your services in the future always!

Justice Hill

We had the absolute pleasure of working with Monique during the process of selling our home and building/buying another, and I truly cannot say enough good things about her. From start to finish, Monique worked tirelessly to make sure we got the best deal possible — securing over $15,000 in incentives for us. That alone speaks volumes about how hard she advocates for her clients.

Michelle Robinson

Get in Touch

Free Consultation

Book a free session with our mortgage advisors. No obligations, just expert guidance.

803-768-5524

Mon-Sat, 8AM-8PM

5860 Baker Road

Minnetonka MN 55345

Response Time

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