Shelby Chapin - Edge Home Finance

Shelby Chapin - Edge Home Finance Book a Free One on One with Me

linktr.ee/shelby.chapin 35 years in the Mortgage Industry, extensive Origination and Management experience.

Your Trusted TX Mortgage Pro 🏠 | 34+ Yrs of Experience 💼 | TOP Producer | VA & First-Time Homebuyer Specialist 🔑 | ❤️ Proud Aggie Mom ❤️ | Let’s get you into a 🏡!!!! Married 30 years and have a wonderful son who is an Texas A&M graduate as well as 3 precious fur babies Johnny & Cash and Beau!

Every meaningful journey starts with a thought, an idea that sparks something bigger. Then comes belief: the quiet confi...
06/08/2026

Every meaningful journey starts with a thought, an idea that sparks something bigger. Then comes belief: the quiet confidence that it’s possible, even when the path isn’t clear. And finally, the dream. Vivid, real, and ready to be chased.

What’s a dream you’re working toward right now? Share it below 👇

A positive mindset will set the path for positive outcomes. Be the best version of yourself, and wake up each day and te...
06/04/2026

A positive mindset will set the path for positive outcomes.

Be the best version of yourself, and wake up each day and tell yourself you got this!

With every goal comes challenges, but those challenges are part of the process, not a reason to stop. Shifting strategie...
05/27/2026

With every goal comes challenges, but those challenges are part of the process, not a reason to stop.

Shifting strategies, staying consistent, and keeping the bigger picture in mind can make all the difference. Small pivots often lead to the biggest breakthroughs!

Be honest… are you more BBQ and burgers or pool and floaties?Both are a good time, it just depends if you’re here for th...
05/25/2026

Be honest… are you more BBQ and burgers or pool and floaties?

Both are a good time, it just depends if you’re here for the food or the cannonballs.

The Loan Estimate is one of the most important documents in the homebuying process. It gives a clear breakdown of what y...
05/22/2026

The Loan Estimate is one of the most important documents in the homebuying process. It gives a clear breakdown of what your mortgage will actually cost.

Here’s what to look for:

📊 Loan Terms – Your loan amount, interest rate, and monthly principal + interest
💰 Projected Payments – Estimated total monthly payment, including taxes and insurance
🧾 Costs at Closing – Fees and expenses due at closing
🏦 Initial Escrow – Funds collected upfront for taxes and insurance
➕ Cash to Close – The total amount you’ll need to bring to closing

Reviewing this document carefully helps avoid surprises and ensures everything aligns with your expectations.

Let’s walk through your Loan Estimate together so you can move forward with clarity and confidence.

Exploring a co-signer can help strengthen a mortgage application, but it’s important to understand how it works.A co-sig...
05/20/2026

Exploring a co-signer can help strengthen a mortgage application, but it’s important to understand how it works.

A co-signer is someone who agrees to share responsibility for the loan, which can help:
đź“Š Strengthen your application with additional income or credit support
đź’° Improve loan terms or increase purchasing power
âś… Provide added confidence to the approval process

However, it’s a shared commitment. The co-signer is equally responsible for the loan, and the mortgage will appear on their financial profile as well.

Understanding both the benefits and responsibilities is key before moving forward.

Reach out to explore whether a co-signer fits your situation and how it could impact your homebuying journey.

These two steps are often confused, but they serve very different purposes in a real estate transaction:📊 Appraisal – De...
05/18/2026

These two steps are often confused, but they serve very different purposes in a real estate transaction:

📊 Appraisal – Determines the home’s market value. An appraiser evaluates the property based on size, condition, features, and comparable sales to ensure the price aligns with the market.

🛠️ Inspection – Evaluates the home’s condition. A home inspector looks for issues like structural concerns, systems, and potential repairs.

Why it matters:
An appraisal protects the value of the purchase, while an inspection helps identify risks and future costs. Both play a key role in making informed decisions.

Understanding the difference helps buyers navigate the process with confidence. Let's connect to better understand how each step impacts your home buying journey and how to navigate them with confidence.

Which features would you love to have to create your dream outdoor oasis?Share your thoughts below on how you plan to tr...
05/13/2026

Which features would you love to have to create your dream outdoor oasis?

Share your thoughts below on how you plan to transform your outdoor space into a personal paradise!

Common Mortgage Myths Busted 🏡💡There’s a lot of misinformation around mortgages, and they can hold buyers back. Let’s cl...
05/11/2026

Common Mortgage Myths Busted 🏡💡

There’s a lot of misinformation around mortgages, and they can hold buyers back. Let’s clear a few up:

📉 “The interest rate is the most important factor” – It matters, but loan terms, fees, and overall structure also impact the true cost.

💰 “You need 20% down” – Not always. There are options with lower down payments depending on qualifications.

📄 “Prequalification = guaranteed approval” – Not quite. It’s a helpful first step, but full approval requires a deeper review.

Understanding the full picture helps you make more confident, informed decisions. Let’s connect to walk through your options and set you up for succes!

Address

New Braunfels
Canyon Lake, TX
78133

Telephone

+12106633094

Website

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