Bread Box Home Loans

Bread Box Home Loans Home Loans

I'm proud of the relationships I've built with clients and partners over the course of my career, and I enjoy it. The re...
05/03/2023

I'm proud of the relationships I've built with clients and partners over the course of my career, and I enjoy it. The reality is, there are lots of folks who want help but don't want or need that. If that sounds like you, just ping me. I'll get you the tech you need to get it done, and I will be here along the way if you want to chat.

05/01/2023

MORTGAGE CREDIT CERTIFICATE: Down payment assistance here in TX offers a tax break, when eligible, that doubles as an improved debt-to-income ratio. Here's how that works. You buy a $200,000 home at 6.5%. Annual tax rate on that= $13,000. You may be able to reduce your tax liability by 20% or $2,600 annually for as long as you remain in that loan. This is what allows your debt-to-income ratio to improve by $216.67/month buying you more house, or allowing you to qualify altogether. It's as if you got a raise or paid off a credit card, from a qualification standpoint. Good stuff. Please DM me if this might help you with your purchase.

Right now in Dallas this is $3,000-$6,000 less cash due at closing, on the low end of the scale. The impact to your mort...
04/26/2023

Right now in Dallas this is $3,000-$6,000 less cash due at closing, on the low end of the scale. The impact to your mortgage payment can be another $1,000 per month. From my experience, most lenders want taxes and insurance escrowed if you don't have 20% to put down. Let's approach your loan from as many angles as we can, so that you're enjoying your new home with some money left over. Moving in is not the end of the spending spree, far from it.

Let's be real, the proportion of self-employed buyers post-COVID is exploding. Let's get them that house.
04/24/2023

Let's be real, the proportion of self-employed buyers post-COVID is exploding. Let's get them that house.

If you manage your debt well, programs are in place for low-to-very-low income based on area median income guidelines to...
04/21/2023

If you manage your debt well, programs are in place for low-to-very-low income based on area median income guidelines to help with down payments. This program takes it a step further. If you are tired of burning your money on rent, you might be surprised how many barriers can be knocked down to get you into your home. This is just one of them. Let's talk if this sounds like you.

Saving money on the right mortgage plan can provide a range of benefits that can improve your financial health and overa...
04/19/2023

Saving money on the right mortgage plan can provide a range of benefits that can improve your financial health and overall quality of life. By working with a knowledgeable mortgage broker or loan officer, you can find the best mortgage product for your needs and save money over the life of your loan. Contact us for more information.

Did you know that seller concessions can mean a much smaller mortgage payment? Use them toward a Temporary Rate Buydown ...
04/17/2023

Did you know that seller concessions can mean a much smaller mortgage payment? Use them toward a Temporary Rate Buydown to lower your interest rate at the beginning of your loan...giving you breathing room for repairs, savings and more.
Use seller concessions to get a Temporary Rate Buydown.

HIDDEN KEYS TO A SMALLER MORTGAGE PAYMENT
Get the extra flexibility you need — call us today.

“Edge Home Finance is a great company! I love working with Edge, and my clients love our service. Edge provides the best...
04/13/2023

“Edge Home Finance is a great company! I love working with Edge, and my clients love our service. Edge provides the best platform to grow your business while offering clients the most competitive rates.” - Tyler O, Loan Officer

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, make sure you’re dealing with a top professional, who is able to give you quick and accurate financial advice.

Brokers make a lot of dreams come true when buyers have unique financial situations or needs that standard loan products...
04/11/2023

Brokers make a lot of dreams come true when buyers have unique financial situations or needs that standard loan products do not meet. Factors including income or employment status, credit history and obligations, and a number of investment strategies require a niche product provided by the appropriate lending partner.

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Dallas, TX
75206

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+14694161544

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