Deb Elfrink - Team Elfrink powered by Edge Home Finance, LLC NMLS #891464

Deb Elfrink - Team Elfrink powered by Edge Home Finance, LLC NMLS #891464 Sr. Mortgage Broker 🏡 | NMLS #252487
Edge Home Finance, LLC NMLS #891464
UWM '23 Pro Elite ✨

🏘️ Real Estate Investors, Your Next Opportunity Starts Here.Whether you're buying your first investment property or grow...
08/27/2026

🏘️ Real Estate Investors, Your Next Opportunity Starts Here.

Whether you're buying your first investment property or growing an established portfolio, having the right financing can help you move faster and maximize your returns.

I offer financing solutions designed specifically for investors, including:

✔️ 100% Fix & Flip Financing (no experience required)
✔️ DSCR Loans, qualify based on the property's cash flow, not your personal income
✔️ Ground-Up Construction Loans (no experience required)
✔️ Interest-Only Bridge & Transitional Loans
✔️ HELOCs on Investment Properties
✔️ Commercial Property Financing
✔️ Multi-Family Property Loans

No matter where you are in your investing journey, there are loan programs that can help you purchase, renovate, build, or expand your real estate portfolio.

Let's create a financing strategy that supports your investment goals and helps you seize your next opportunity with confidence.

📞 Deb Elfrink
Senior Loan Originator
NMLS #252487
727-409-2100
📧 [email protected]

Your next investment could be one conversation away.

Attention Veterans!The VA has updated its collections guidelines, which could open the door for Veterans who may not hav...
08/27/2026

Attention Veterans!

The VA has updated its collections guidelines, which could open the door for Veterans who may not have qualified in the past.

If collections or past credit challenges previously kept you from moving forward with a VA home loan, it may be time to take another look. Updated guidelines can mean new possibilities, and a previous “no” does not necessarily mean “no” today.

Whether you were previously denied or simply assumed you wouldn’t qualify, reach out to Tony to review your situation and explore your options.

Proud to help those who served our country find a path toward homeownership.

Deb Elfrink
Sr Loan Originator
NMLS #252487
727.409.2100
[email protected]
Edge Home Finance, LLC NMLS #891464

All loans are subject to credit approval, underwriting guidelines, and VA eligibility requirements. Program guidelines are subject to change.

💜 Happy Women's Equality Day! 💜Today we celebrate the progress made toward equality and recognize the remarkable women w...
08/26/2026

💜 Happy Women's Equality Day! 💜

Today we celebrate the progress made toward equality and recognize the remarkable women who have helped shape our communities, businesses, and future.

Women's Equality Day honors the continued pursuit of equal rights and opportunities, while celebrating the strength, resilience, and achievements of women in every walk of life.

Whether you're leading a business, raising a family, serving your community, or pursuing your dreams, your contributions make a lasting impact.

As a mortgage professional, I'm especially proud to help women achieve one of life's biggest milestones: homeownership. Whether you're buying your first home, investing in your future, or building generational wealth, you deserve the knowledge, resources, and support to help make it happen.

Today, let's celebrate how far we've come while continuing to encourage opportunity, empowerment, and success for future generations.

Happy Women's Equality Day! 💜

🏡 Don't Fit the Traditional Mortgage Box? You Still Have Options.No W-2? No tax returns? Self-employed? Real estate inve...
08/25/2026

🏡 Don't Fit the Traditional Mortgage Box? You Still Have Options.

No W-2? No tax returns? Self-employed? Real estate investor?

A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers with non-traditional income who may not qualify through conventional lending guidelines.

Programs are available for:

✔️ Bank Statement Loans
✔️ 1099 Borrowers
✔️ Profit & Loss (P&L) Loans
✔️ No Income Documentation Programs
✔️ Asset Utilization Loans
✔️ ITIN Loans
✔️ DSCR Investment Property Loans
✔️ Fix & Flip Financing

With down payments as low as 10% for qualified borrowers, homeownership or expanding your investment portfolio may be more achievable than you think.

Whether you're an entrepreneur, freelancer, business owner, investor, or someone with unique income, you deserve financing that works for your situation, not against it.

Let's explore your options and find the right loan program for your goals.

📞 Deb Elfrink
Senior Loan Originator
NMLS #252487
727-409-2100
📧 [email protected]

Traditional income doesn't have to be the only path to homeownership.

You've Earned Your VA Benefits. Now Let's Put Them to Work. 🏡If you've served our country, you've earned one of the most...
08/24/2026

You've Earned Your VA Benefits. Now Let's Put Them to Work. 🏡

If you've served our country, you've earned one of the most valuable home financing benefits available.

A VA loan can make homeownership more accessible with benefits that may include:

✅ No down payment for eligible borrowers, even on higher-priced homes
✅ No private mortgage insurance (PMI)
✅ Flexible credit requirements, with options available for a wide range of credit profiles
✅ Potential property tax benefits for eligible disabled veterans (varies by state)
✅ Competitive interest rates and affordable financing options

Many veterans don't realize just how powerful their VA home loan benefit can be. Whether you're buying your first home, relocating, or purchasing your forever home, you may have more options than you think.

Let's review your eligibility, answer your questions, and help you make the most of the benefits you've earned through your service.

📞 Deb Elfrink
Senior Loan Originator
NMLS #252487
727-409-2100
📧 [email protected]

Thank you for your service. It would be my honor to help you achieve your homeownership goals.

🏡 Your Next Chapter Starts HereEvery home has a story, and maybe it's time to start writing yours.Whether you're buying ...
08/21/2026

🏡 Your Next Chapter Starts Here

Every home has a story, and maybe it's time to start writing yours.

Whether you're buying your very first home, upgrading to fit your growing family, downsizing for a simpler lifestyle, or finally purchasing that dream home, every journey begins with one simple step.

You don't have to have all the answers today. That's what I'm here for.

Together, we'll:
✔️ Review your financing options
✔️ Determine what you qualify for
✔️ Create a plan that fits your goals and budget
✔️ Guide you from pre-approval to closing with confidence

No matter where you are in your homeownership journey, your next chapter is waiting.

Let's start it together.

📞 Deb Elfrink
Senior Loan Originator
NMLS #252487
727-409-2100
📧 [email protected]

Your dream home isn't just a destination, it's the beginning of something new.

🏡 Give an Older Home a Brand-New Future with an FHA 203(k) Loan!Have you found the perfect home... except it needs a lit...
08/20/2026

🏡 Give an Older Home a Brand-New Future with an FHA 203(k) Loan!

Have you found the perfect home... except it needs a little work?

An FHA 203(k) Renovation Loan lets you purchase a home and finance eligible renovations with one mortgage, making it easier to turn a fixer-upper into your dream home.

With an FHA 203(k) loan, you may be able to:
🔨 Update kitchens and bathrooms
🎨 Replace flooring and paint
🏠 Repair or replace roofing
⚡ Modernize electrical and plumbing systems
❄️ Upgrade HVAC and energy efficiency
✨ Make the home fit your style and needs

Instead of searching for a move-in ready home, you can create one.

If you're considering a home that needs a little TLC, let's talk about whether an FHA 203(k) loan is the right solution for you.

📞 Deb Elfrink
Senior Loan Originator
NMLS #252487
727-409-2100
📧 [email protected]

Let's turn "needs work" into "welcome home."

🌍 World Humanitarian Day | Celebrating Compassion in ActionToday, on World Humanitarian Day, we honor the incredible peo...
08/19/2026

🌍 World Humanitarian Day | Celebrating Compassion in Action

Today, on World Humanitarian Day, we honor the incredible people who dedicate their lives to helping others, often in the face of unimaginable challenges.

From disaster relief teams and healthcare workers to volunteers, nonprofit organizations, and everyday people lending a helping hand, humanitarians remind us that kindness has the power to change lives.

This day is a reminder that even the smallest act of compassion can make a meaningful difference. Whether it's volunteering your time, supporting a local charity, donating resources, or simply helping a neighbor, every act of generosity matters.

Together, we can build stronger communities by lifting one another up.

Happy World Humanitarian Day. Thank you to everyone who chooses compassion, service, and hope.

💙 "Alone we can do so little, together we can do so much."

🏡 More Loan Options Can Mean More Buying PowerWhen you're shopping for a mortgage, who you choose matters.As a mortgage ...
08/18/2026

🏡 More Loan Options Can Mean More Buying Power

When you're shopping for a mortgage, who you choose matters.

As a mortgage broker, I have access to multiple lenders and loan programs, which means I can shop for competitive rates and financing options that fit your unique situation.

In this example:

✅ Retail Lender

Loan Amount: $700,000
Interest Rate: 7.50%
PMI: $221.67
Home Price: $750,000

✅ Broker Option

Loan Amount: $760,000
Interest Rate: 6.98%
PMI: $120.33
Home Price: $810,000

The result? This buyer was able to afford $60,000 more in home price while keeping their monthly payment nearly the same.

Every buyer's situation is different, and results will vary based on credit, income, loan program, and market conditions. But having access to more lenders often means more opportunities to find the right loan for your needs.

Before you settle for one lender's offer, let's compare your options. You may be surprised by what's possible.

📞 Deb Elfrink
Senior Loan Originator
NMLS #252487
727-409-2100
📧 [email protected]

Let's put more buying power in your hands.

🎉 Big News for Homebuyers!Getting approved for a mortgage may have just become a little easier.Conventional loans with 3...
08/17/2026

🎉 Big News for Homebuyers!

Getting approved for a mortgage may have just become a little easier.

Conventional loans with 3% down and VA loans can now use VantageScore in addition to traditional FICO scoring, helping provide a more complete picture of your credit profile.

What does this mean for you?

🏡 More opportunities to qualify
VantageScore evaluates credit differently, which may help some borrowers qualify when they previously couldn't.

📊 A broader view of your credit
Instead of focusing on a single score, lenders can consider more of your credit history and payment behavior.

🔑 More doors to homeownership
This update could benefit buyers who have been held back by traditional credit scoring alone.

This may be especially helpful for:
✔️ First-time homebuyers
✔️ Borrowers who are building or rebuilding credit
✔️ Self-employed borrowers with unique financial profiles
✔️ Buyers who may have been overlooked under traditional scoring models

Every borrower's situation is unique, and this update could open new possibilities for qualified buyers.

Curious if you're eligible? Let's review your options and see what loan program is the best fit for you.

📞 Deb Elfrink
Senior Loan Originator
NMLS #252487
727-409-2100
📧 [email protected]

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Tampa, FL

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