Aaron Melby, Mortgage Loan Consultant, Edge Home Finance NMLS #1488237

Aaron Melby, Mortgage Loan Consultant, Edge Home Finance NMLS #1488237 We are Minnesota's largest Mortgage Broker and utilize over 30 lenders to find the very best rates a Take advantage of OUR competitive advantage!

Open the door to over 150 lenders and find the very best rates and pricing for your mortgage purchase or refinance. We believe in "People over Profit" and put our best foot forward every time.

🚨 Mortgage Rate update... The 10yr Treasury is currently above 4% which means that rates are pushing slightly higher. ...
10/07/2024

🚨 Mortgage Rate update... The 10yr Treasury is currently above 4% which means that rates are pushing slightly higher. There is some potential market moving news this week so we will see how the market responds.

The reason I love being independent is because I have optionality and flexibility in my mortgage business. The interest rate being offered is important, but in my opinion, it is almost more important to see how much it is going to cost you for that rate.

If a buyer pays a lot of money up front in points to obtain a lower rate and then refinances before they have re-couped that money, it is essentially wasted funds.

If there is anyone out there that would like to see how we are putting people first and offering lower than market rates and fees, I would love to chat. Have a great Monday all!

[email protected]
612-702-0817
NMLS 1488237

🏡 Remember, that pricing for loan scenarios and types differs from buyer to buyer. Loan type, credit scores, down payme...
09/13/2024

🏡 Remember, that pricing for loan scenarios and types differs from buyer to buyer. Loan type, credit scores, down payment percentages, debt to income ratios, and more play a role in the loan program and pricing available to a home buyer.

Check out the terms below and see where pricing is at currently for those scenarios. We believe strongly in People over Profit and our pricing is on 🔥

If you are currently shopping for a mortgage, we would be honored to run a scenario for you to see what you might qualify for. We would also be happy to compare to see if we can improve your current mortgage offer.

[email protected]
612-702-0817
NMLS 1488237

🏡 Another offer accepted for some truly awesome home buyers! Please help me congratulate them! Their Realtor Chris Bue...
08/29/2024

🏡 Another offer accepted for some truly awesome home buyers! Please help me congratulate them! Their Realtor Chris Buesgens did a fantastic job finding them this beauty in Eden Prairie. These home buyers were able to purchase non-contingent and will do a loan recast once they sell their current home! A loan recast will reduce their loan amount AND re-amortize their payments to a lower amount! Great job on this one Chris! We are excited to get everyone to the closing table!

🏡 A big congratulations going out to our Hero clients on their accepted offer on this New Construction beauty! Shout ou...
08/11/2024

🏡 A big congratulations going out to our Hero clients on their accepted offer on this New Construction beauty! Shout out to their fantastic Realtor Danielle Eaves for a great job as always negotiating for her clients! Looking forward to getting this one to the closing table for all!

🚨 Appreciation Post time. Please Read!As most of you know, I am an independent mortgage broker so my job is to close ho...
08/06/2024

🚨 Appreciation Post time. Please Read!

As most of you know, I am an independent mortgage broker so my job is to close home loans for people. I could not run my business without the Realtors that trust us with their valued clients, our repeat clients, and my friends, family, and sphere that recommend people to us daily. Having said all that... Take a look at this picture.

This is Bridgette Olson. Bridgette is a wonderful daughter and awesome mother. To me, Bridgette is my teammate and processor for the loans that I do, but also a friend. For those Realtors and Title Professionals that have had the pleasure of working a file with Bridgette, you know just how amazing she is. Her incredible communication, attention to detail, work ethic, and tenacity in which she attacks every loan is a MAJOR reason that we are able to clear loans as quickly as we do and handle the volume. She is the MVP of our operation and I wanted to give her the shout out she deserves! Please help me give a HUGE THANK YOU to Bridgette for all she does!

Busy weekend! These awesome first time home buyers are now under contract on this South St Paul charmer! A special sho...
08/04/2024

Busy weekend! These awesome first time home buyers are now under contract on this South St Paul charmer! A special should out to their great Realtor Tyler Beaulieu Homes for securing this one for them. Tyler works super hard for his clients and we are so happy to get this one to the closing table for all involved!

It amazes me how many potential home buyers are put under contract to purchase a home that have not been fully preapprov...
07/30/2024

It amazes me how many potential home buyers are put under contract to purchase a home that have not been fully preapproved. This is incredibly risky for all parties involved, as the buy and sell process can have a massive domino effect on other transactions.

Having a buyer tell us what they make for income just isn't good enough. Loan officers (Good ones at least) will find out HOW they earn their income.

*Salary vs Hourly
*Full Time vs Variable Pay
*Commission income
*Bonuses, Tips, etc.
*Seasonal Work
*Self Employment
*Receipt of Alimony/Child Support
*And more.....

There are different guidelines and calculations on how we need to treat income. Homebuyers, please make sure to reach out to a loan officer like myself in advance so we can verify your income to ensure you are 100% approved and save you from potential heartbreak and unnecessary stress.

[email protected]
612-702-0817
NMLS 1488237

🇺🇸 Please help me give a HUGE congratulations to our Veteran homebuyer that just secured this Otsego beauty! With our m...
07/28/2024

🇺🇸 Please help me give a HUGE congratulations to our Veteran homebuyer that just secured this Otsego beauty! With our mission for Veterans, this buyer has secured a crazy low interest rate WITH a lender credit to offset about $1,800 worth of closing costs! A very special shout out and kudos to their amazing Realtors Abby Kriedberg Lehman and Tim Lehman for an exceptional job as always. We are super excited to get this one to the closing table for everyone!

Important post for any Realtors that work with VA buyers. 🇺🇸1. There are no loan limits set by VA for a Veteran. This ...
07/24/2024

Important post for any Realtors that work with VA buyers. 🇺🇸

1. There are no loan limits set by VA for a Veteran. This Veteran is buying a $950k home with $0 down because they have enough VA entitlement. (I would be happy to show you how this works!)

2. A VA loan gives a Veteran 2 chances at a value rebuttal. If the first (Tidewater) is unsuccessful, please make sure you are working with a loan officer that knows how to send in value rebuttals to the VA.

This Veteran was able to win their value rebuttal to save their deal. The property value was originally $25k less than the agreed upon price and has been updated to match the purchase contract. This is not a guarantee that we will always win, but putting in the effort can lead to favorable outcomes!

[email protected]
612-702-0817
NMLS 1488237

🚨 Realtors, if you have clients looking to move to Florida, I have been licensed to do mortgages there for over 5 years....
07/23/2024

🚨 Realtors, if you have clients looking to move to Florida, I have been licensed to do mortgages there for over 5 years.

We would be honored to provide your valued clients with awesome financing for their next purchase in the Sunshine State!

[email protected]
612-702-0817
NMLS 1488237

🇺🇸 Another reason why the VA loan is an amazing loan. It is the only loan product that gives the buyer 2 opportunities ...
07/23/2024

🇺🇸 Another reason why the VA loan is an amazing loan. It is the only loan product that gives the buyer 2 opportunities to reconsider the value.

Realtors, if you have any VA buyers or work with VA buyers, reach out to me and to see how we provided our Veteran buyers a lender credit to offset some closing costs WITHOUT giving them a higher interest rate! Absolutely awesome for Veterans!

[email protected]
612-702-0817
NMLS 1488237

🏡 Our awesome clients are under contract on this beauty in Eden Prairie! Their Realtors Abby Kriedberg Lehman and Tim L...
07/14/2024

🏡 Our awesome clients are under contract on this beauty in Eden Prairie! Their Realtors Abby Kriedberg Lehman and Tim Lehman do such a great job for the clients whether they are buying or selling. True professionals! Looking forward to providing the mortgage assist on this one!

Address

5868 Baker Road Minnetonka, MN 55345
Minnetonka, MN
55435

Telephone

+16127020817

Website

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