The Edmondson Team at APMC

The Edmondson Team at APMC Known as “The Tattooed Lender,” David has built a reputation for authenticity, innovation, and bold leadership in the mortgage industry.

VA Specialist, Homes for Hero's, FHA, Conv, First Time Home Buyers and Commercial
NMLS #1577305 © 2025 American Portfolio Mortgage Corporation, NMLS ID #175656 Equal Housing Lender David Edmondson is more than a mortgage professional—he’s a visionary, community builder, and trusted partner in helping families achieve the American dream of homeownership. His journey into lending began in 2017, inspi

red by his own homebuying experience and guided by a mentor with over 30 years of expertise. With the encouragement of his wife, Karensa, David embraced the challenge, determined to combine grit, perseverance, and a relentless drive to serve others. Today, he stands among the top in his field as a Scotsman Guide Top Originator, a seven-time President’s Club honoree, a 5-Star Professional, and a Real Producers preferred partner. David’s fearless approach is reflected in every aspect of his work. He leverages cutting-edge technology to deliver fast approvals and innovative mortgage solutions, all while maintaining the human connection that sets his team apart. For David, success is more than closing loans, it’s about creating generational wealth and helping clients build lasting financial stability. Alongside Karensa, David leads The Edmondson Team at American Portfolio Mortgage Corporation, a powerhouse partnership redefining what it means to work with a lender. Their mission is simple but powerful: “We don’t just help you close loans ~ we help you open doors.”

When he’s not helping clients achieve their goals, David values time with family and embraces a life of balance, grit, and growth. For him, every deal is personal, every client is family, and every closing is another step toward turning dreams into reality.

06/02/2026

5 Homes That Quietly Kill First-Time Buyer Financing

As a [city] mortgage broker, I see this happen all the time.
First-time buyers fall in love with a house that looks perfect…
then the financing hits speed bumps they never saw coming.
Not because the home is “bad.”
But because certain homes come with hidden loan, insurance, or appraisal challenges.
Here are 5 types of homes I’d NEVER touch as a first-time buyer 👇
1️⃣ The “fully renovated flip”
New finishes don’t always equal strong fundamentals. Flips can trigger appraisal gaps, condition questions, or renegotiations when the numbers don’t support the price.
2️⃣ “Charming” older fixer-uppers
Beautiful homes, but outdated systems can lead to lender conditions, repair requirements, or financing limitations depending on the loan type.
3️⃣ Homes in flood-prone areas
Flood insurance isn’t optional. It directly impacts your monthly payment and can change what you actually qualify for, even if the home price fits your budget.
4️⃣ Unpermitted additions or conversions
If it’s not permitted, it usually doesn’t count. Appraisers may exclude square footage, which can lower value and reduce your approved loan amount.
5️⃣ Drainage or septic issues
These often raise red flags during inspections and underwriting. Delays, added conditions, or even deal fallout can happen fast.
Before you move forward:
• Understand how inspections affect your loan
• Confirm permits and appraisable value
• Factor insurance into your payment
• Plan for real ownership costs, not just the offer price

Let The Edmondson Team at APMC help answer your mortgage questions. Contact us today at 214-516-2401. https://linktr.ee/thetattooedlender - www.TheTattooedLender.com - Ink isn't just for Mortgage documents anymore!
Buying, selling, refinancing, or building your dream home? We can help you ink the deal!








06/01/2026

Nobody talks about this part.
When you apply for a mortgage, lenders don’t just verify your income…
they study your habits.
Your bank statements tell a story.
Not about whether you’re “good with money.”
But about whether your finances are stable and predictable.
Here’s what quietly raises red flags:
💳 Accounts constantly close to zero
Even strong earners can look risky if balances swing too low too often.
🚫 Late payments or returned transactions
Small fees signal cash flow stress.
🔁 Large unexplained deposits
Venmo. Zelle. Cash.
If it’s part of your down payment, be ready to document it.
💼 Payroll inconsistencies
Deposits need to line up with your pay stubs and employer records.
🎰 Gambling or high-risk transactions
Especially right before applying.
Most lenders review your most recent 2 months of statements.
That window matters more than people realize.
You don’t need perfection.
You need consistency.
And you need your financial story to make sense.

05/29/2026

Buying a house is not always easy.
But neither is waiting with no plan.
I talk to a lot of buyers who think they need to keep waiting until everything feels perfect.
Perfect rate.
Perfect savings.
Perfect timing.
But in real life, most people do not buy in a “perfect” situation.
They buy when they understand their options and have the right people helping them make smart decisions.
That is the part many buyers are missing.
Not motivation.
Not desire.
Just clarity.
If you have been wondering whether buying could make sense for you, the first step is not guessing.
It is getting real information based on your situation.

Let The Edmondson Team at APMC help answer your mortgage questions. Contact us today at 214-516-2401. https://linktr.ee/thetattooedlender - www.TheTattooedLender.com - Ink isn't just for Mortgage documents anymore!
Buying, selling, refinancing, or building your dream home? We can help you ink the deal!








05/28/2026

Your mortgage payment may include more than principal and interest.
A portion can also go into an escrow account, which is used to pay your property taxes and homeowners insurance when those bills come due.
So instead of you having to remember separate due dates, your servicer collects money monthly and pays those bills on your behalf.
Here is the part buyers need to know:
Your interest rate can be fixed, but your total monthly payment can still change.
Why?
Because property taxes and insurance premiums can change.
That is why understanding escrow matters before you buy, not after you get the payment notice.

Let The Edmondson Team at APMC help answer your mortgage questions. Contact us today at 214-516-2401. https://linktr.ee/thetattooedlender - www.TheTattooedLender.com - Ink isn't just for Mortgage documents anymore!
Buying, selling, refinancing, or building your dream home? We can help you ink the deal!







05/27/2026

One thing I’ve learned as a mortgage loan officer:
Most buyers don’t need more confusing mortgage terms thrown at them.
They need someone to slow the process down and explain what everything actually means.
Because “you’re approved” is great…
But do you understand the payment?
The closing costs?
The loan program?
The long-term impact?
Why one option makes more sense than another?
That part matters.
I’ve seen buyers go from overwhelmed to confident simply because someone finally explained the numbers in plain language.
And that’s the experience every buyer deserves.
Buying soon? Give The Edmondson Team a call!

Let The Edmondson Team at APMC help answer your mortgage questions. Contact us today at 214-516-2401. https://linktr.ee/thetattooedlender - www.TheTattooedLender.com - Ink isn't just for Mortgage documents anymore!
Buying, selling, refinancing, or building your dream home? We can help you ink the deal!









05/26/2026

Buying my first home as a mortgage loan officer was funny because I thought I would be fully prepared.
I help people do this all the time.
I understand the numbers.
I understand the process.
I understand what lenders need.
And still… buying my own first home humbled me a little.
Not because it wasn’t worth it.
It absolutely was.
But because there are so many little things buyers don’t always think about until they’re living it.
The moving costs.
The furniture.
The random repairs.
The endless decisions.
The “wait, we need to buy that too?” moments.
It reminded me that buying a home is not just a transaction.
It is emotional. It is exciting. It is overwhelming. And with the right plan, it can still be one of the best decisions you ever make.
Thinking about buying your first home?
Give us a call and let’s make sure the numbers, timing, and plan actually make sense before you jump in.

05/22/2026

VA loans have always been one of the strongest mortgage options for eligible buyers.
The problem?
A lot of people still believe outdated myths about them.
Starting May 1, 2026, some VA appraisal requirements are being simplified, which may help reduce repair issues, seller hesitation, and closing delays.
That does not mean every VA loan is automatically easy.
It means the process may become smoother when the loan is structured the right way.
Give The Edmondson Team a call and we will help you review your options before you start house hunting.
The Edmondson Team can close a VA loan in as little as 3 weeks or less! Get Started TODAY!

05/21/2026

Thankful Thursday
Helping our clients move from contract to closing with confidence is what The Edmondson Team is all about! We’re incredibly grateful for this amazing review and proud to provide a seamless, stress-free homebuying experience from start to finish.

From organizing documents to staying proactive every step of the way, our goal is to make the process simple, efficient, and successful for every client we serve.

If you’re thinking about purchasing a home, refinancing, or simply want guidance on your next move, The Edmondson Team is here to help you navigate the process with professionalism, speed, and personal care.

📞 Let us help make YOUR next home purchase smooth and stress-free!

05/20/2026

As for me and my team, we will get it done!
No Excuses.
No limits.
Just RESULTS!

The Edmondson Team

05/20/2026

Buying a home gets stressful when you’re building your plan around half-truths.
Here’s what I mean:
Waiting for rates to drop might help your payment, but it can also bring more buyers back into the market.
Online calculators are helpful, but they don’t see your full financial picture.
And being pre-approved is great, but your approval still needs to be protected until closing.
That’s why the mortgage conversation should happen before you fall in love with the house.
Not after.
A little clarity early can save you from a lot of surprises later.
Save this if buying a home is on your radar this year.

Let The Edmondson Team at APMC help answer your mortgage questions. Contact us today at 214-516-2401. https://linktr.ee/thetattooedlender - www.TheTattooedLender.com - Ink isn't just for Mortgage documents anymore!
Buying, selling, refinancing, or building your dream home? We can help you ink the deal!








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17300 Dallas Pkwy. Ste. 1030
Midlothian, TX
75248

Telephone

+12145162401

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