Loan

Programs

Loan Programs

Find the Right Mortgage Solution for Your Unique Needs

At Edge Home Finance, Chad Huffstetler offers a wide range of home loan programs designed to meet the needs of first-time buyers, experienced homeowners, real estate investors, and everyone in between. Whether you're purchasing, refinancing, or accessing your home's equity, you'll get expert guidance and competitive loan options tailored to your financial goals.
Explore our most popular mortgage solutions below:

Construction Loans

Build your dream home from the ground up

Construction loans provide short-term financing to cover the cost of building a new home or completing major renovations. Once construction is complete, the loan can be converted to a permanent mortgage.

✅ Available for custom homes, modular builds, or major remodels

✅ Includes builder payouts and construction timelines

✅ Often bundled with long-term mortgage financing

Home Equity Loans

Tap into the value you’ve built

Home equity loans allow you to borrow against the equity in your home to fund home improvements, consolidate debt, or handle large expenses. These loans typically come with fixed rates and predictable payments.

✅ Fixed lump-sum payouts

✅ Great for renovations, education, or high-interest debt payoff

✅ May be tax-deductible (consult your tax advisor)

Conventional Fixed-Rate Mortgages (FRM)

Stability with predictable payments

A conventional fixed-rate mortgage is one of the most popular loan types for homebuyers seeking long-term financial security. These loans offer a consistent interest rate and monthly payment over the life of the loan (typically 15, 20, or 30 years), making budgeting easier and homeownership more predictable.

✅ Ideal for buyers with strong credit and down payment

✅ No mortgage insurance required with 20% down

✅ Great for primary residences, second homes, and investment properties

Adjustable-Rate Mortgages (ARM)

Lower initial rates — flexible terms

ARMs offer lower interest rates during the initial fixed period (often 5, 7, or 10 years), followed by adjustments based on the market index. These loans can be a smart choice if you plan to move or refinance before the adjustment period begins.

✅ Lower monthly payments in the early years

✅ Potential to save thousands in interest

✅ Perfect for short-term homeowners or refinancers

Jumbo Loans

Finance homes above conventional loan limits

Jumbo mortgages are designed for high-value properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans require stronger credit and documentation but offer flexible options.

✅ Higher loan amounts for luxury or competitive markets

✅ Available in fixed or adjustable terms

✅ Ideal for strong borrowers with solid financial profiles

Refinance Mortgage Loans

Lower rate, reduced term, or cash out equity

Refinancing can help you reduce monthly payments, shorten your loan term, or tap into your home’s equity. Chad can help you decide whether a rate-and-term refinance or a cash-out refinance is right for you.

✅ Potential to save on interest or remove mortgage insurance

✅ Cash-out options for renovations, debts, or investments

✅ Competitive refinance rates available

FHA Mortgage Loans

Flexible options for first-time and moderate-income buyers

Backed by the Federal Housing Administration, FHA loans are designed to help buyers with limited savings or less-than-perfect credit. These loans offer lower down payment requirements and flexible approval terms.

✅ As little as 3.5% down

✅ More forgiving credit guidelines

✅ Popular for first-time homebuyers

Reverse Mortgage Loans

Turn home equity into income for retirement

Turn home equity into income for retirement
A reverse mortgage allows homeowners aged 62+ to access their home equity without monthly payments. This solution is great for retirees looking to supplement income or eliminate an existing mortgage.

✅ No monthly payment required

✅ Receive funds as a lump sum, line of credit, or monthly disbursement

✅ Must occupy the home as your primary residence

VA Mortgage Loans

Powerful zero-down benefits for veterans and military families

VA loans are available to eligible veterans, active-duty service members, and surviving spouses. These government-backed loans offer exceptional benefits — including no down payment and no private mortgage insurance.

✅ 100% financing available

✅ No monthly PMI

✅ Competitive interest rates with flexible underwriting

Self-Employed Borrowers

Customized solutions for entrepreneurs and freelancers

If you’re self-employed, qualifying for a traditional mortgage can be challenging — but Chad offers alternative documentation loans that work with bank statements, profit & loss reports, and other qualifying methods.

✅ No W-2 or traditional income needed

✅ Bank statement loan options

✅ Personalized income assessment for business owners

Borrowers With Considerable Assets

Asset-based lending for high-net-worth clients

If you have considerable savings, stocks, or investment portfolios, but low reportable income, asset-based mortgage options can help you qualify without relying on traditional income.

✅ Use retirement, trust, or investment accounts as collateral

✅ Great for retirees, investors, or early exit entrepreneurs

✅ Customized lending solutions

Real Estate Investors

Grow your rental portfolio or flip with confidence

Investment property loans help you purchase, refinance, or rehab single-family rentals, duplexes, or multifamily homes. These options include DSCR loans and conventional investment loans.

✅ DSCR (Debt-Service Coverage Ratio) options available

✅ Short- and long-term rental financing

✅ No-income-verification options for qualified investors

Foreign Buyers

Financing for non-U.S. citizens investing in U.S. property

Financing for non-U.S. citizens investing in U.S. property
Whether you're purchasing a vacation home or an investment property, we offer solutions for non-resident borrowers.

✅ No U.S. credit score required

✅ International bank statements accepted

✅ Tailored documentation and approval process

Credit-Challenged Borrowers

Get on the path to homeownership — even with past issues

Don’t let past credit mistakes define your future. We offer loan options for buyers with lower credit scores, bankruptcy history, or other financial hurdles.

✅ Manual underwriting options

✅ Credit consultation available

✅ FHA and non-QM (non-qualified mortgage) options

Don't Miss out on your Dream Home - Get Started Today!

Get Your Free Personalized Rate Quote & Pre-Qualification Letter!

The market rewards action-takers — not fence-sitters.

Secure your free customized rate quote and pre-qual letter today and position yourself as a serious buyer before someone else grabs your deal.

Let us simplify the process. Schedule a free mortgage consultation today with Chad Huffstetler Edge Home Finance to explore your options and get personalized guidance from a mortgage expert who listens, explains, and delivers results.

Contact Info

Chad Huffstetler

NMLS ID: #114612

+1 888-290-3641

[email protected]

Address

Edge Home Finance

5868 Baker Road
Minnetonka, MN 55345