Edge Mortgage Pro Team

Edge Mortgage Pro Team GERARD W MARTINEZ-PREITI
Licensed Mortgage Loan Originator
NMLS #966890, Edge Home Finance #891464
https://linktr.ee/edgemortgage We're here to help.

Edge Mortgage Pro makes it easy, and saves you money. Get approved in minutes and close in as little as 15 days. As an independent broker with Edge Home Finance, the nation’s 3rd largest broker, we search our network of 50+ wholesale lenders to get you the best possible rate. Working with a mortgage broker saves you thousands of dollars on average, and gives you access to wholesale financing optio

ns you can't find through retail banks or lenders. We are committed to providing you with service that exceed your expectations. Browse our website, check out the different loan programs available, use our tools and calculators, and apply for a loan "quick and easy". If you have a more complex or difficult situation call us.

While some homeowners are waiting for rates to drop… others are already upgrading their homes.In fact, 43% of homeowners...
06/17/2026

While some homeowners are waiting for rates to drop… others are already upgrading their homes.

In fact, 43% of homeowners made improvements last year.

This isn’t just about rates, but because they had equity and a plan.

Right now, there’s a growing gap between homeowners who are using their equity to improve their lifestyle—and those who are sitting on it.

If you’ve built strong equity and have solid credit, you may have more options than you think.

Not loving your home like you used to?
Your equity might be the key to turning it into something you truly love again—while increasing its value at the same time.

Message me “REMODEL” and let’s talk through what could be possible.

This isn’t a rate market. It’s a timing market. Buyers: this is the first buyer’s market in a decade. Wait, and you coul...
06/17/2026

This isn’t a rate market. It’s a timing market.
Buyers: this is the first buyer’s market in a decade. Wait, and you could miss out on all of the perks.

1️⃣Rates are down from 2025, so your buying power is up. Homes that felt out of reach last year may now fit your budget.

2️⃣More homes to choose from. Listings are growing, which means better options and less competition.

3️⃣Sellers are more flexible. You’re more likely to get concessions to help cover closing costs, and VA buyers, or FHA buyers using down payment assistance have a better shot at getting offers accepted, compared to seller’s market conditions where cash and conventional offers usually win deals.

4️⃣Monthly payments are dropping. The average home payment is much lower than in 2025.

5️⃣Refinance down the road if rates fall. Lock in your home now, then jump on potential savings later.

With recent updates from HUD and the Federal Housing Finance Agency (FHFA), your credit pull shouldn’t be automatic… it ...
06/15/2026

With recent updates from HUD and the Federal Housing Finance Agency (FHFA), your credit pull shouldn’t be automatic… it should be a strategy.

Here’s why 👇

With FICO and VantageScore 4.0 now allowed, the scoring model used can impact your approval.

Same borrower.
Same credit history.
Different model.
Different result.

Sounds crazy—but it’s real.

Most people think it’s just about having a “good score.”

Not anymore.

It’s about how your credit is being evaluated and which model gives you the best shot.

That’s why working with the right mortgage pro matters.

Before you start shopping, make sure you’re set up to win.

Could your tax deductions torpedo your home purchase or refinance?It depends on how you get paid.If you’re a W2 employee...
06/11/2026

Could your tax deductions torpedo your home purchase or refinance?

It depends on how you get paid.

If you’re a W2 employee, qualifying your income is usually pretty simple,
lenders look at your paystubs, W2s, and verify your employment.

But if you’re:
• Self-employed
• A 1099 earner
• A business owner
• Or have income from investments or multiple sources

Then your tax returns become a major part of the approval process,
and could become a major headache!

It’s where many Non-W2 buyers run into issues.

You may have strong cash flow, but after write-offs, your income can look much lower on paper.

The good news is, there are other options.

Alt-Income loans can qualify you using:
✔ Bank statements
✔ Profit & Loss statements
✔ 1099 income
✔ Assets instead of income

If your income doesn’t fit the traditional mold, that doesn’t mean you’re out—it just means you need the right approach.

Message me “Torpedo” and let’s go over your options.

The BEST time to buy was then. The NEXT BEST time to buy is now.Every year, buyers say the same thing:“I’ll wait 'til ra...
06/07/2026

The BEST time to buy was then.
The NEXT BEST time to buy is now.

Every year, buyers say the same thing:
“I’ll wait 'til rates drop.”

Meanwhile, other buyers jump in, compete for the best homes, and push prices even higher.

Here’s what happened in Orlando over just ONE year:

• Home prices climbed about $35,000
• Buyers needed roughly $7,000 more for the same down payment
• Monthly payments still increased
• Even with lower rates

"Waiting 'til next year” can cost you your dream of owning a home.

You wait for lower rates…
Others bid up prices on the best homes.

Prices rise faster than rates fall, and suddenly you’re left choosing from the scraps other buyers didn’t want.
A house you don't LOVE at higher prices.

The buyers who usually win are the ones who act while others wait.

Address

Winter Park, FL
32792

Opening Hours

Monday 12am - 11:59pm
Tuesday 12am - 11:30pm
Wednesday 12am - 11:30pm
Thursday 12am - 11:30pm
Friday 12am - 11:59pm
Saturday 12am - 11:45pm

Telephone

+13214398110

Website

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