Ben Eddy - NMLS# 2032978

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Wyoming, WY
Ben Eddy - NMLS# 2032978

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As a Texas based Mortgage Broker, I offer Conventional, FHA, VA, USDA, Jumbo's, NonQM & Hard Money loans. Let's connect & get started together!

10/28/2026

🚀 **Loan Officers, what if your next move gave you more control over the business you’re already working hard to build?**

If you’re producing the loans, building the relationships, and growing your referral network, it may be time to explore a model designed to give you greater independence.

At Edge Home Finance, Loan Officers have access to:

🔥 110+ partnered lenders
💰 275 BPS lender-paid comp
💵 Daily payroll
🙌 No layers of management
🎯 The freedom to be your own boss

You already know how to originate. The question is whether your current platform is helping you maximize what you’ve built.

Curious what life inside Edge actually looks like?

👀 **Don’t just take our word for it. Join our anonymous Inside Edge webinar every Thursday at 11 AM CST.** Ask questions, learn how the model works, and see whether Edge could be the right fit for your business.

📲 Scan the QR code to register or reach out to me directly.

**Ben Eddy**
Sr. Loan Originator
NMLS #2032978
📞 682.270.9245
📧 [email protected]

10/27/2026

🌟 **Today is National Mentoring Day!**

Sometimes one conversation, one piece of advice, or one hour of someone’s time can make a lasting difference.

The theme is simple: **“One Person, One Hour.”**

Whether it’s helping someone grow in their career, sharing lessons you’ve learned, encouraging someone through a challenge, or simply being there to listen, mentorship has the power to create an impact that goes far beyond a single conversation.

Today, we encourage everyone to think about someone they can invest in.

🤝 Share your experience
💡 Pass along your knowledge
🌱 Help someone grow
❤️ Be the person who makes a difference

**You never know how far one hour of your time can go.**

**tLending

10/26/2026

😱 **SCARED OF YOUR CREDIT CARD BALANCE?** 💳👻

Opening that credit card statement shouldn’t feel like a horror movie.

If high-interest balances are haunting your monthly budget, it may be time to explore another option. If you have available equity in your home, a **HELOC could potentially be used to consolidate higher-interest debt** and simplify your finances.

🎃 Tackle high-interest credit card balances
🏠 Put your available home equity to work
💳 Consolidate multiple debts
💰 Explore options for managing your monthly cash flow

Don’t run from the numbers. **Let’s talk about your options and build a strategy for tackling that debt!**

📲 **Ben Eddy | Sr. Loan Originator**
NMLS #2032978
📞 682-270-9245
📧 [email protected]
🌐 C**tLending.com

**Edge Home Finance, LLC | NMLS #891464**
Equal Housing Opportunity

**tLending

10/26/2026

🏡 **Buying a home? Here’s an opportunity that could help with your upfront costs!**

Qualified buyers may be eligible for a **lender credit of up to $5,000** on homes with a purchase price of $550,000 or more. 💰

Lender credits can help offset eligible closing costs, potentially leaving more money in your pocket for moving expenses, furniture, upgrades, or simply keeping more of your savings intact.

And there’s another perk...

🎉 **Close with me and receive a FREE one-year standard home warranty through Super Home Warranty!**

Buying a home is a big investment. Let’s look for every opportunity to make the financing work smarter for you.

📲 **Thinking about buying? Call me and let’s see what you may qualify for!**

**Ben Eddy**
Sr. Loan Originator
NMLS #2032978
📞 682.270.9245
📧 [email protected]
🌐 coltlending.com

*Programs, lender credits, and eligibility are subject to qualification, loan terms, and applicable guidelines.*

**tLending

10/23/2026

👻 **NO TRICKS. JUST DEBT SOLUTIONS.** 💳🏠

High-interest debt can be scary, but finding a strategy to tackle it doesn’t have to be.

If you’ve built equity in your home, a **HELOC may give you access to funds that can be used to consolidate higher-interest debt** and simplify your monthly finances.

🎃 Consolidate high-interest credit card balances
💰 Put your home equity to work
👻 Simplify multiple monthly payments
🏠 Explore a debt strategy that fits your goals

Don’t let debt haunt your budget. **Let’s talk about your options and see if a HELOC could make sense for you.**

📲 **Ben Eddy | Sr. Loan Originator**
NMLS #2032978
📞 682-270-9245
📧 [email protected]
🌐 C**tLending.com

**Edge Home Finance, LLC | NMLS #891464**
Equal Housing Opportunity

**tLending

10/23/2026

🏡 **Renting was just the warm-up. Are you ready for homeownership?**

If you’ve been paying rent month after month, you may be closer to buying a home than you realize. Don’t let assumptions about your credit, down payment, or being a first-time buyer keep you from exploring your options.

There may be programs available with:

🔑 Low down payment options
💰 Down payment assistance
🏠 First-time homebuyer programs
📊 Options for borrowers with lower credit scores
🇺🇸 FHA, Conventional, and VA financing

You don’t need to have everything figured out before you call. That’s my job. We can review where you are today, talk about your goals, and build a plan for what comes next.

📲 **Ready to see if renting can become homeownership? Let’s talk!**

**Ben Eddy**
Sr. Loan Originator
NMLS #2032978
📞 682.270.9245
📧 [email protected]
🌐 coltlending.com

**tLending

10/22/2026

🏡 **Don’t fit inside the traditional mortgage box? You may still have options!**

Traditional income documentation doesn’t always tell the whole story, especially for **self-employed borrowers, 1099 earners, real estate investors, and business owners.**

That’s where **Non-QM loans** can come in.

Depending on the program and borrower qualifications, alternative documentation options may include:

💰 Bank Statements
📊 Profit & Loss Statements
📄 1099 Income
🏦 Asset Utilization
🏠 DSCR
🔨 Fix & Flip
📑 ITIN Programs
➕ Other alternative income documentation options

Some programs may offer options with **as little as 10% down**, subject to qualification and program guidelines.

If you’ve been told “no” by a traditional lender, don’t automatically assume that’s the end of the road. Let’s take another look at your scenario and see what options may be available.

📲 **Call me today and let’s find the loan that fits your financial picture.**

**Ben Eddy**
Sr. Loan Originator
NMLS #2032978
📞 682.270.9245
📧 [email protected]
🌐 coltlending.com

**tLending

10/21/2026

🏡💳 **YOUR CREDIT SCORE IS A NUMBER, NOT A DEAD END!**

🚨 **NEW MORTGAGE OPPORTUNITIES ARE HERE!** 🚨

Think your credit score is standing between you and financial freedom? **Think again!**

At **C**t Lending**, we're excited to share that we've removed lender-imposed minimum FICO score requirements across many of our agency mortgage products! 🎉

Instead of letting one number determine your options, eligible loans are now evaluated through **Automated Underwriting System (AUS) approval.**

💰 **What could this mean for you?**

✅ **Consolidate High-Interest Debt:** Explore using your home equity to pay off expensive debts.

✅ **Potentially Lower Monthly Payments:** Free up room in your monthly budget.

✅ **Simplify Your Finances:** Turn multiple debt payments into a more manageable payment plan.

✅ **More Financial Flexibility:** Focus on what matters most instead of juggling bills.

💡 **Your credit score doesn't tell your whole financial story, and it shouldn't stop you from exploring your options!**

🏠 Whether you're looking to refinance, consolidate debt, or simply see what's possible, let's have a conversation.

📲 **Call me today to review your options!**

**Ben Eddy**
Sr. Loan Originator | NMLS #2032978
📞 682-270-9245
📧 Ben@C**tLending.com

🐎 **C**t Lending | Powered by Edge Home Finance**

Edge Home Finance, LLC | NMLS #891464
Equal Housing Opportunity

*All loans are subject to AUS approval, underwriting, and program eligibility. Certain products and scenarios still require minimum credit scores. Debt consolidation through mortgage financing may increase total interest costs, extend repayment terms, and convert unsecured debt into debt secured by your home. Monthly payment savings are not guaranteed.*

**tLending

10/21/2026

⚡🚗💨 **Great Scott! It’s Back to the Future Day!**

If only we had a DeLorean to tell us exactly what mortgage rates will be in the future. 😂

Since we don’t have a flux capacitor handy, the next best thing is having a plan.

🏡 Thinking about buying?
💰 Wondering if refinancing makes sense?
📈 Waiting to see what rates do next?
🔑 Planning for your future home?

You don’t need to travel through time to start preparing. Let’s look at where you are today and build a mortgage strategy for where you want to go.

**Your future starts with a plan today!**

📲 Give me a call and let’s talk options.

**Ben Eddy**
Sr. Loan Originator
NMLS #2032978
📞 682.270.9245
📧 [email protected]
🌐 coltlending.com

**tLending

10/20/2026

🏡💰 **CASH-OUT REFINANCE SUCCESS STORY!** 💰🏡

🎉 **ANOTHER CLOSING, ANOTHER FINANCIAL WIN!**

What if the equity in your home could help you break free from high-interest debt AND put hundreds of dollars back into your monthly budget? 💵

That's exactly what we helped our clients accomplish!

With a **cash-out refinance**, these homeowners were able to:

✅ Consolidate multiple debts into one manageable payment
✅ Pay off high-interest debt
✅ **Save HUNDREDS of dollars each month!** 💰
✅ Simplify their finances and create more breathing room in their budget

👏 A huge congratulations to **Ben Eddy with C**t Lending** on another successful closing and helping these homeowners make their equity work for them!

🏠 **Your home equity could be doing more for you!**

If you're juggling credit card bills, personal loans, or other high-interest debt, a cash-out refinance might be worth exploring.

📲 **Let's see how much you could potentially save!**

🐎 **C**t Lending | Powered by Edge Home Finance**

*Cash-out refinancing is subject to credit approval, available equity, and loan eligibility. Monthly savings vary. Refinancing may increase total interest paid over the life of the loan, extend repayment terms, and convert unsecured debt into debt secured by your home. Results shown reflect this client's circumstances and are not guaranteed.*

Edge Home Finance, LLC | NMLS #891464
Equal Housing Opportunity

**tLending

Address

Wyoming, WY

Telephone

+16826811003

Website

https://coltlending.com/

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