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Chad Mullenix Loan Officer - #260298

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United States
Round Rock, TX
Chad Mullenix Loan Officer - #260298

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Austin, Texas mortgage expert with 25+ years of experience helping homebuyers and homeowners navigate the mortgage process. As an Army veteran and experienced mortgage loan officer with Edge Home Finance, I specialize in VA home loans, first-time homebuyer programs, and mortgage solutions for self-employed borrowers. I've helped thousands of families achieve their homeownership goals through personalized guidance and financing options. Proudly serving Austin and surrounding Central Texas communities. Contact me for a complimentary mortgage consultation

10/31/2026

Dramatization. Names and details changed. Not a real client.

🎃 The scariest thing in this house wasn't in the basement. They budgeted for the mortgage payment, then the water heater quit. Renters call the landlord. Owners call their savings. Plan for more than the payment: repairs, upkeep, and taxes and insurance that can go up. Want a budget that isn't scary? 👉 chadmullenix.com

Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Opportunity

10/30/2026

"Just take over their mortgage" 🚩 Here's the honest version.

✅ Some loans really are assumable, including many FHA, VA and USDA loans. You still have to qualify, the lender has to approve it, and you usually need cash or a second loan for the seller's equity.
❌ A side deal where the loan stays in the seller's name can backfire. Most mortgages have a due-on-sale clause.

Not legal advice. Want to check an assumable loan the right way? 👉 chadmullenix.com

Not affiliated with or endorsed by the VA, HUD, USDA or any government agency.
Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Opportunity

10/29/2026

A temporary buydown can lower your payment for the first few years, often paid for by the seller or builder. 🏡 Then the payment steps up to the full amount, so plan for the full payment from day one. Let’s see if it fits your deal 👉 edgemortgageloans.com

Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Lender

10/28/2026

Realtors, not all pre-approvals are equal. ✅ Ask your buyer’s lender 3 things:
1️⃣ Was credit pulled?
2️⃣ Were income and asset documents actually reviewed?
3️⃣ Has anything gone to underwriting?

A letter backed by verified documents can make an offer stronger. Want buyers who show up ready? Let’s connect 👉 edgemortgageloans.com

Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Lender

10/27/2026

Lower price or lower payment? 🤔 For many buyers, the monthly payment matters most.

Tip: in my experience, when a home has been on the market 45+ days, sellers are often more open to a closing cost credit. That credit can cover closing costs (less cash to close) or a rate buydown (a lower payment). Credits can’t exceed your actual closing costs, and limits vary by loan. Every deal is different, so let’s run your options 👉 edgemortgageloans.com

Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Lender

10/24/2026

Dramatization. Names and details changed. Not a real client.

He thought his VA benefit was one-and-done. The VA home loan benefit can often be used more than once. It depends on things like whether the first loan was paid off and the home sold, and how much entitlement is left. Step one: pull your Certificate of Eligibility.

Veterans, don't assume. Let's check 👉 chadmullenix.com
From one veteran to another (I served in the U.S. Army). Every situation is different.

Not affiliated with or endorsed by the VA or any government agency.
Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Lender

10/24/2026

Is an adjustable-rate mortgage (ARM) right for you? 🤔

ARMs often start lower than a comparable fixed-rate loan for an initial period, but not always. Some have a longer initial rate period, like 7 or 10 years. After that period ends, the rate can change and your payment can go up. Great for some plans, risky for others.

Let's compare fixed-rate vs. adjustable-rate for yours 👉 https://edgemortgageloans.com/guides/arm-vs-fixed-mortgage-guide/

(Made with my AI digital twin.)

Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Opportunity

10/24/2026

Myth: if you're self-employed, getting a mortgage is impossible. Fact: it's not impossible, it's different. Some programs use tax returns. Others can look at business bank statements, a profit and loss statement, 1099s, or even a consultant contract. Programs have their own requirements, and every situation is different.

Business owner thinking about buying? Let's look at your options: 👉 edgemortgageloans.com

Chad Mullenix, Sr. Loan Officer | NMLS #260298
Edge Home Finance LLC | NMLS #891464
2000 S I-35 Frontage Rd, Ste P, Round Rock, TX 78681 | Branch NMLS #2611485
edgemortgageloans.com
Equal Housing Lender
Licensed in Texas. Not a commitment to lend. All loans subject to credit approval and underwriting guidelines.

Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Lender

10/23/2026

Baby Chad believed the myth. 😅 Grown-up Chad knows better.

MYTH: Self-employed people can't get a mortgage.
FACT: It's not impossible, it's different. Some programs use tax returns. Others can look at bank statements, a P&L, 1099s, or even a consultant contract. Every situation is different.

Business owner? Let's look at your options 👉 edgemortgageloans.com

Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Lender

10/22/2026

Is a permanent rate buydown worth it? 🤔

Paying discount points up front can lower your rate for the life of the loan. The key is your break-even point: how long until the monthly savings cover the upfront cost. Staying a while? It may make a lot of sense. Might sell or refinance soon? Maybe not. Sometimes seller help with closing costs can go toward it.

Let’s run your break-even before you decide 👉 edgemortgageloans.com

(Made with my AI digital twin.)

Chad Mullenix NMLS 260298 | Edge Home Finance LLC NMLS 891464 | edgemortgageloans.com | Equal Housing Lender

Address

2000 S I-35 Frontage Road Ste P
Round Rock, TX
78681

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm

Telephone

+15126578017

Website

https://edgemortgageloans.com/profile/chad

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