05/17/2026
You’ve probably had this conversation before.
A borrower comes to you carrying the weight of a past bankruptcy.
Maybe it was a divorce.
A medical emergency.
A business that didn’t survive.
And everywhere they turn, they hear the same thing:
❌ “Wait.”
❌ “Come back later.”
❌ “Not yet.”
At Edge Home Finance, LLC, we built a path for borrowers who deserve a second chance. 🏡
Here’s what that looks like:
🥊 Chapter 7 bankruptcy discharged at time of closing? Eligible.
🥊 Chapter 13 filed within the last 12 months with documented on-time payments? Eligible.
🥊 Foreclosure, deed-in-lieu, or short sale satisfied at least 1 year ago? Eligible.
🥊 Thin credit or alternative credit with as little as one tradeline? Eligible.
🥊 Down to a 580 FICO, with case-by-case consideration below that.
🥊 ITIN & DACA borrowers welcome.
🥊 Gift funds accepted for closing costs and down payment.
This isn’t a workaround.
This is a real program with real structure designed for borrowers who’ve been told “no” too many times.
Because life happens.
And homeownership shouldn’t end because of one difficult chapter.
MORTGAGE BROKER
Direct: 316.648.8909
[email protected]
NMLS 981503
EDGE HOME FINANCE NMLS 891464
Arkansas 125499, Colorado 100527758, Iowa 46297, Kansas LO.0028463, Minnesota MN-MLO-981503, Missouri 981503, North Carolina I-205047, Oklahoma MLO20948, Texas
