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Because the Path to Medicine Was Never Conventional

Medical careers follow a different timeline than most professions. Years of education, training, relocation, and delayed earning potential often come long before financial profiles look conventional.

This physician-focused home loan was created with that reality in mind, offering 100% financing with no down payment required. It allows qualified medical professionals to pursue homeownership earlier in their careers while preserving cash flow and flexibility for life, career, and long-term financial planning.

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Doctor Loan Highlights:

  • Financing up to 100%

  • Loan amounts up to $2 Million

  • No Private Mortgage Insurance (PMI)

  • Borrowers must hold a minimum of an M.D., D.O., D.D.S., DNP, DNAP or D.M.D. degree and have an active employment contract (or verification of terms of employment acceptance).

  • Available for primary residences

  • Min. 680 FICO required

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Eligible licensed professionals include:
MD, DO, DDS, DMD, PharmD, CRNA, VMD, DPM

 

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REVERSE MORTGAGE

Did you know if you are over 62+ you can convert the equity in your home?

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How This Program Helps Buyers

A HECM (home equity conversion mortgage) eliminates the need for a mortgage if your over 62 years of age and allows you to access a portion of the remaining equity now. Giving you peace of mind with your home thru the later years of life.

  • Eliminate required monthly mortgage payments

  • Access tax-free cash from your homes equity

  • Stay in your home as long as it’s your primary residence

  • FHA-insured & non-recourse (you never owe more than the home’s value)

  • Funds can be used to pay off an existing mortgage

  • Funds can be used to purchase a new home and have no mortgage payment

  • Both fixed rate and ARM options available

  • There is no minimum income requirement only a residual income calculation to ensure ongoing expenses like taxes, insurance, and home rapairs can be covered.

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Important Notes

  • Government counseling required

  • Appraisal determines final eligibility

  • Borrower must maintain taxes, insurance & property condition

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Down Payment Assistance

Receive a 2% or 3.5% Down Payment Gift. 100% Forgiven. No Repayment.
 

How This Program Helps Buyers

This program is designed to help eligible homebuyers overcome the biggest hurdle to purchasing a home—the down payment. The HOMEdge Grant provides a true gift with no repayment, making homeownership more accessible for borrowers who meet flexible credit, income, and property guidelines.

  • Available to a wide variety of eligible borrowers
    Two grant options: a 3.5% grant and a 2% grant
    No repayment required
    No second lien on the property
    6% seller concession for closing costs allowed
    May be used with the FHA 203(b) program or any of our FHA renovation programs

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Program eligibility

  • 620 Min FICO, 580 FICO is OK if: 
    First-Time home buyer, or
    Income is equal to or less than 140% of the state or county median income, or
    First-responders (police officer, firefighter, public safety officer, paramedic, emergency medical technician (EMT), including volunteers), or
    Educators, or
    Medical personnel (nurse, doctor, phlebotomist, health ambassador, or hospital, American Red Cross worker, or similar), or
    Civil servant in a federal, state, or local municipality, or
    Military personnel, or
    Property is located in an underserved census tract 
    Properties permitted: 1-2 Units, 3-4 Units (with 620 FICO), Manufactured home including Single-width and Multi-width, Condo Project, FHA Approved Condos, PUD’s

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STRATEGIC COMMERCIAL & SBA LENDING SOLUTIONS

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Commercial Real Estate Financing

  • Owner-Occupied Real Estate

  • Investment properties

  • Multifamily (5+ Units)

  • Mixed-Use. Retail, Office & Industrial

  • Ground-Up Construction

  • Bridge Loans

  • Cash-Out & Rate/Terms Refinance

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SBA Loan Programs

 

  • SBA 7(a) Loans

  • SBA 504 Loans

  • SBA Express

  • Business Acquisition Financing

  • Partner Buyouts
    Franchise Financing

  • Equipment & Working Capital Combo Loans

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Business & Specialty Financing 

  • Equipment Financing

  • Accounts receivable Financing

  • Business Lines of Credit

  • Term Loans

  • Working Capital Loans

  • Inventory Financing

  • Asset-Based Lending​​​​

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Creative Structuring | National Lending Network | Fast Pre-Qualification | Relationship-Based Advisory

Capital isn't just one-size-fits-all. Your financing shouldn't be either. Message us to structure the right solution for your business.

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VA LOANS

At EDGE Home Finance, VA loans aren’t just one of the things we do — they’re what we’re known for. As the #1 VA Broker in the United States, we specialize in helping veterans, active-duty service members, and military families achieve homeownership with confidence.

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Why Choose EDGE for Your VA Loan?

🇺🇸 VA Loan Experts – We understand military income, BAH, disability, and complex service scenarios.
💰 Competitive Rates – We shop multiple lenders to find you the best VA options.
⚡ Fast, Reliable Closings – Perfect for PCS moves and tight timelines.
🤝 Personalized Service – Clear communication from application to closing.
🌎 Licensed Nationwide – Serving veterans in 49 states.

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The Power of Your VA Loan Benefit

✅ $0 Down Payment
✅ No Monthly PMI
✅ Lower Interest Rates
✅ Flexible Credit Guidelines
✅ Limited Closing Costs
✅ Use Your Benefit Again & Again


You’ve earned this benefit through your service. Let our team help you use it the right way.

Start your VA loan with EDGE today and experience the difference of working with true VA specialists.

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MORTGAGE LOAN OPTIONS

Is your mortgage specialist providing you options for your next home purchase? What sets Edge apart from other financing companies is that we offer many programs, low interest rates, excellent customer service and the personal touch that every client deserves.

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Conventional

  • 3% down payment options

  • Fast closings — 15-30 days

  • Primary or second homes, investment properties, new construction, cash-out refinances and more

  • Credit score starting at 600

  • Down payment assistance programs!

  • Renovation loans

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DSCR/ Investor Cash Flow

  • 620 minimum credit score

  • No debt to income ratio

  • No income no employment

  • Good for Air B n B’s

  • Use rental Income to qualify


Bank Statement

  • No tax returns needed

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    Simply provide bank statements to qualify

     

  • Min FICO credit score of 620

  • No mortgage insurance required 

  • Available on primary, second home and investment properties

  • As little as 6 months reserves required

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FHA

  • Credit score as low as 500 (w/10% Down)

  • 580 (w/3.5% down)

  • Hometown Heroes in Florida up to $35K in down payment or closing costs

  • Competitive rates

  • Renovation Loans

  • Sellers may contribute up to 6% toward your closing cost

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First Time Home Buyers

  • 0% No Down Payment Assistance Programs

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USDA

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Non-QM

  • Asset Depletion Loans

  • Profit and Loss Loans 

  • 1099’s only loans 

  • Commercial

  • Fix & Flip

  • Bridge Loans

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