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LOANITWith AlexAlex Khalil · NMLS 2263609
Edge Home Finance
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Loan Programs

A Loan Program for Every Situation.

Most lenders try to fit you into a box. With 120+ wholesale lenders behind him, Alex builds the loan around your actual situation — W-2, self-employed, investing, or working through a complex deal.

Self-employed borrowers with write-offsInvestors buying multiple propertiesComplex or non-traditional incomeBuyers who were previously declined

If your situation doesn't fit the standard mold, that's where most lenders stop. It's where we start.

Conventional

Ideal for buyers with strong credit and straightforward income looking for flexibility and competitive terms. Down payments from 3% for qualifying first-time buyers.

Ideal For:Great credit, standard income documentation

FHA

Designed for buyers who need flexibility on credit or down payment without sacrificing a path to ownership. Down payments from 3.5%.

Ideal For:First-time buyers, building credit

VA

Exclusive benefits for veterans and active-duty service members, including zero down, no monthly mortgage insurance, and strong financing terms.

Ideal For:Veterans & active military

USDA

Zero-down financing for homes in eligible rural and suburban areas — and more of Central Florida qualifies than most buyers expect.

Ideal For:Buyers in USDA-eligible areas

Jumbo

Structured financing for higher-value properties where standard loan limits don't apply.

Ideal For:Luxury homes over conforming limits

Bank Statement

Built for self-employed borrowers, qualifying based on real income shown in 12–24 months of bank statements — not tax write-offs.

Ideal For:Self-employed & 1099 earners

DSCR / Investor

Investor-focused financing based on the property's rental performance, not your personal income. Scale a portfolio without W-2 constraints.

Ideal For:Real estate investors

Construction

Finance your land and build your home with one strategy — construction-to-permanent with a single closing. No refinance required at completion.

Ideal For:Custom builds & land purchases

Refinance & HELOC

Lower the rate, drop PMI, shorten the term, or tap equity with a cash-out refinance or home equity line. Run the break-even math before committing.

Ideal For:Current homeowners
Equal Housing
Lender

Equal Housing Lender. All loan programs shown are subject to underwriting, borrower qualification, and lender availability. Rates, terms, and program features change without notice. This is not a loan commitment or a rate quote. For personalized terms, you will receive a Loan Estimate after applying. Full mortgage disclosures.

The Broker Advantage

One Bank Has One Answer.
Alex Has 120+.

A retail bank can only offer its own products at its own prices. As a broker with Edge Home Finance, Alex shops your scenario across 120+ wholesale lenders competing for your loan — and structures the winner around your offer, not the other way around.

Wholesale Pricing

Lenders compete for brokered loans at wholesale rates — pricing a walk-in bank customer rarely sees.

Program Depth

Declined at a bank rarely means unfinanceable. Bank statement, DSCR, construction, and flexible-credit programs live in the wholesale channel.

One Point of Contact

Alex quotes it, structures it, and watches it through underwriting. Issues surface early — not at the closing table.

Find My Program — Get Pre-Approved

Not sure where you fit? Call 321-353-3373 and describe your situation. NMLS #2263609.

Plan With Real Numbers

Tools That Sharpen the Decision

Run the scenarios before you fill out a form. These are the tools Alex walks through on every call.

Payment Calculator

Full monthly payment with taxes, insurance, HOA, and PMI.

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Closing Cost Calculator

Florida-specific doc stamps, intangible tax, and title rates.

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Rent vs. Buy

See the break-even year over your time horizon.

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Pre-Approval Guide

What you'll need and why the letter wins offers.

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