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City Edge Financial

Loan Options

Loan Programs Offered

At City Edge Financial, we understand that no two borrowers have the same financing needs. That’s why we partner with 100+ lenders to find you the most competitive mortgage program for your financing needs.

We offer purchase and refinance loans, to help borrowers in any situation. So, whether you’re trying to buy your dream home, refinance an existing home, or want to tap into your home’s equity during retirement, we’ve got you covered.

Conventional Loans

Conventional loans are the most common loan options for buyers with good credit and an average debt-to-income ratio. Get financing with as little as 3% - 5% down on fixed or adjustable-rate mortgages.

FHA Loans

FHA loans are the most common alternative to conventional loans and work well for borrowers with less-than-perfect credit or who need more flexible underwriting guidelines.

VA Loans

VA loans are a government-backed program for veterans and current military members. Eligible borrowers can get as much as 100% financing and have the most flexible underwriting guidelines on the market.

Jumbo Loans

Borrowers who need larger loans than conventional loan limits allow benefit from jumbo loans with flexible guidelines and larger loan limits.

DSCR Loans

DSCR loans are for real estate investors who don’t want to qualify for a loan based on their income but instead on the property’s cash flow. They can help real estate investors grow their portfolios.

Bank Statement Loans

Bank statement loans are often a solution for self-employed borrowers or those with unique income patterns that cannot produce W-2s. We use bank statements to verify receipt of your income instead.

VOE Only Loans

A VOE loan may be an option if you don’t have paystubs or W-2s but work for an employer. Instead of verifying your income the traditional way, we verify your income directly with your employer.

Down Payment Assistance

Find options for down payment assistance to make buying your first home more affordable. With down payment assistance, you can own a home faster because you don’t have to wait until you have funds for a down payment.

Reverse Mortgage

If you’re over age 62 and have equity in your home, you may be able to use it to supplement your retirement income. You don’t have to make monthly payments, and you get to stay in the house.

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