Mike Hennessy, Loan Officer NMLS# 487459 - Edge Home Finance

10/19/2026

🏡 COULD 255 BOHL AVE BE YOUR NEXT HOME? LET’S TALK FINANCING!

📍 255 Bohl Ave, Billings, MT 59105

Looking for a home with four bedrooms, two bathrooms, and room to spread out without stretching your budget too far? This Heights townhome may be worth a closer look!

With a current advertised price of approximately $294,900 and up to $10,000 in seller-paid concessions advertised, there may be an opportunity to structure your mortgage to fit your financial goals.

💡 Here are three financing options worth exploring:

🇺🇸 VA LOANS
Eligible veterans and service members may qualify for 0% down, with no monthly mortgage insurance. Seller concessions may also help reduce eligible closing costs or other permitted expenses.

🏠 FHA LOANS
FHA financing may allow a down payment as low as 3.5% for qualified buyers. Seller contributions may help cover eligible closing costs and prepaid expenses, helping preserve more of your savings.

🔑 FANNIE MAE HOMEREADY
Qualified buyers may be eligible for a conventional mortgage with as little as 3% down. HomeReady offers flexible features for eligible borrowers, subject to income limits and program requirements.

💰 HERE’S WHERE THE RIGHT MORTGAGE BROKER MAKES A DIFFERENCE!

Rather than offering one loan program to everyone, I can compare available financing options and help you understand:

✅ Your potential down payment
✅ Estimated monthly mortgage payment
✅ Closing costs and available seller concessions
✅ Opportunities to reduce your interest rate
✅ Which financing option best fits your financial situation

Don’t assume homeownership is out of reach until you explore your options!

I’m Mike Hennessy with Edge Home Finance Corporation. With mortgage industry experience dating back to 1991, I believe an informed buyer makes a better financial decision.

📲 Message me or give me a call. Let’s explore the financing options available for this property and find the strategy that works for YOU!

All financing is subject to borrower, property, appraisal, underwriting, and program eligibility requirements. Seller concessions are subject to applicable loan program limits and approval. Listing price and advertised concessions should be verified before entering into a transaction.

10/12/2026

🏡 BUYING A HOME? DON’T LET TODAY’S INTEREST RATES STOP YOU!

What if you could buy the home you want without having to pay every dollar of your closing costs out of pocket—or potentially lower your monthly mortgage payment?

💡 There may be another way to make the numbers work!

As a mortgage broker with Edge Home Finance Corporation, I work with multiple financing options to help buyers find solutions that fit their financial situation.

Here’s a strategy many homebuyers overlook:

✅ Seller-Paid Closing Costs — Ask the seller to contribute toward eligible closing costs, helping reduce the cash you need to bring to closing.

✅ Seller-Funded Rate Buydowns — Depending on the loan program and available pricing, seller contributions may help lower your mortgage interest rate and monthly payment.

✅ Temporary Rate Buydowns — Explore options that may provide lower initial payments while you transition into homeownership.

✅ Creative Negotiation — Instead of simply negotiating a lower purchase price, we can explore whether a seller-funded financing incentive could better serve your needs.

HERE’S MY PROMISE TO YOU: Before you make an offer on a home, let’s discuss your financing options and identify the questions you should be asking.

The right strategy could make a meaningful difference in your cash to close, monthly payment, or both.

🏠 Don’t just shop for a house. Shop for the right mortgage strategy!

📲 Contact me before you make your next offer. Let’s explore your options and put you in a stronger position to buy with confidence.

Mike Hennessy
Mortgage Broker | Edge Home Finance Corporation
Mortgage financing. Education. Solutions tailored to you.

All financing is subject to borrower qualification, property eligibility, lender approval, program requirements, and seller-concession limits. Rate buydowns and closing-cost assistance are not available on every transaction.

10/01/2026

🏠 BUYING A HOME? THIS COULD MAKE A BIG DIFFERENCE!

Through October 31, 2026, I’m offering a 90-BASIS-POINT LENDER CREDIT through Edge Home Finance on eligible loans that are locked during the promotion period.

💰 What can 90 basis points do for you?

Depending on your loan and financing strategy, the credit may be used to:

✅ Reduce your closing costs
✅ Buy down your interest rate
✅ Help lower your monthly payment
✅ Give you more flexibility when structuring your purchase

For example, on a $400,000 loan, 90 basis points represents $3,600 in lender credit.

The important part? There isn’t one mortgage strategy that is right for everyone.

Sometimes the lowest rate isn’t the best overall strategy. Sometimes reducing your cash-to-close makes more sense. And sometimes a combination of the two is the right approach.

My job is to help you understand the numbers and structure your financing around your financial situation—not simply sell you a mortgage.

If you’re planning to buy a home, let’s look at the numbers before you make an offer.

📞 Mike Hennessy
Edge Home Finance Corporation
Mortgage Loan Originator

Offer subject to loan program, pricing, eligibility and applicable lender guidelines. Credit available on eligible loans locked by 10/31/2026. Contact me for specific terms and scenarios.

08/03/2026

Are you getting the mortgage that’s best for YOU—or the one that’s best for the lender?

When it comes to choosing a mortgage, there’s more to consider than just the interest rate.

Would a lower rate with a higher APR make sense for your situation? Or could a slightly higher rate with a lower APR and different upfront costs be the better choice?

Every borrower’s situation is different—and the right mortgage should be built around your goals, your finances, and your plans, not simply what’s easiest for the lender.

My job is to explain the options, the costs, and the long-term impact so you can make an informed decision with confidence.

📞 Give me a call. Let’s look at your options together.

My goal is for you to walk away saying:

“I have the best mortgage for MY situation!”

— Mike Hennessy
Mortgage Lender 30+ years and counting!

04/18/2026

If you or someone you know is looking for a loan officer please share. Here is a little more about me.

I’ve spent over 30 years in the housing and mortgage industry, helping people navigate buying and building with confidence.

I started in public housing in 1981 and moved into mortgages in 1991. Since then, I’ve worked in originations, leadership, and ownership. I’m also a licensed general contractor, so I understand both the financing and building side.

What you can expect from me:
Knowledgeable. Accessible. Reliable.
I focus on understanding your goals, walking you through your options, and helping you make the right move.

I’m a lifelong Montanan, born in Malta, raised in Billings, and proud to serve this community.

If you’re thinking about buying or building, I’m here to help.

02/24/2026

5.0 star review received on Experience.com for Mike Hennessy by Emmitt R - Clear and concise step by step processes, easy to upload documents and information on the mobile app, and the knowledge and expertise presented.

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02/14/2026

Open House Sunday 2/15/26 12:30 - 2:00. Stop by and take a look at this great home. Visit with Tara Cayko, Coldwell Banker about the specific details of what it would take to make this yours! Many financing options available from First Time Home Buyer lower rate options, Down Payment Assistance. For Investors, Debt Service Coverage Loans too!

This inviting three-bedroom home also features a versatile bonus room ideal for a dining area, home office, or guest space. You will find that two of the bedrooms are generously sized, offering comfortable and functional living. Original built-in cabinets and closets add timeless charm, while modern...

12/08/2025

5.0 star review received on Experience.com for Mike Hennessy by Shelly K N - It was nice to work with someone we knew and had worked with before.

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12/02/2025

5.0 star review received on Experience.com for Mike Hennessy by Michael T N - Mike had great communication throughout our refinance.

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11/28/2025

5.0 star review received on Experience.com for Mike Hennessy by Jane D F - Mike kept us apprised on current mortgage interest rates for 22 months. He was able to get the home appraisal waived. These actions were much appreciated.

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