Loan Options
Find your perfect loan match.
Purchase
Refinance
HELOC
Construction
Renovation
Lower Interest Rate
Lower Payment
Shorten Term
Take Cash Out
Down Payment Assistance
30-10 Yr Conforming
FHA
VA
USDA
Jumbo
Adjustable Rate (ARM)
NON-QM
Single Family Home
Townhome
Commercial
Manufactured
Condo
Condotel
2-4 Unit
5+ Unit
Bank Statement
Bridge
Quick Closing
How the Mortgage Application Process Works
Easily apply online, upload docs, and view loan info via your secure borrower portal.
Apply Online
Create your smartphone-friendly borrower portal in less than 10 minutes. Start Here.
Upload Docs
Easily upload documents and track your loan status through our secure portal.
Find Your Loan
Together, we’ll help you find the perfect loan with the right terms, rate, and timeline for you.
Check Off That Goal
Congrats! Once you sign and fund, you’re all set, but we’re always here if you need us.
Most loan programs require a credit score of at least 620, but there are options for lower scores. Let’s see what’s possible for you!
Many people think you need 20%, but that’s a myth! You can buy a home with as little as 3% down with conventional loans—or even 0% with DPA, VA, or USDA loans.
The process is simple! Applying online takes around 10 minutes, you'll provide some basic financial info, and I’ll help you understand your buying power.
Waiting for rates to drop can be risky—home prices may keep rising. The right time to buy is when it makes sense for you. We can explore options like seller credits for rate buydowns or shorter loan terms to help with affordability. And if rates drop in the future, refinancing is always an option.
Refinancing can lower your monthly payment, shorten your loan term, or help you tap into your home equity. A quick review of your loan can show if it's a smart move for you.
Yes! I’ll help you find the best loan options for your situation.
Why Choose Evan Karr nmls 1086744 & Edge Home Finance?
Here are a few reasons why our homeowners choose us.
Quick Closings
Why wait 30-45 days? We streamline the process to fund your purchase in as soon as 10 business days.
100's of Loan Options
VA, FHA, Jumbo, Down Payment Assistance, Custom Builds— options for everyone— with competitive rates.
Latest Tech
Apply online in minutes, get pre-approved quickly, and track your loan 24/7 with cutting-edge technology.
Exceptional Service
With Evan in your corner, you get personalized advice and a smooth experience from start to finish. With over 1,000 funded loans, 11+ years of lending experience, and a degree in Business Entrepreneurship from ASU, Evan is here to help you navigate the mortgage process with confidence.
Ratings and Reviews
With 135+ five-star reviews, Evan is a trusted expert in home financing. Backed by Edge Home Finance, a brokerage with over 18,000 reviews, you get the support of a highly rated team every step of the way.
Competitive Rates
We have competitive rates—see for yourself! Get a quick quote and find out how much you can save.
Reviews
Don't take our word for it. See what our happy homeowners are saying about us.
“Evan and his team are awesome! They were always available, always answered my questions and kept me informed during the entire loan process. Our 10 day close went smoothly”
Brandy
Google Review
“Evan processed a super quick closing ~2.5 weeks, locked in an amazing rate, was always quick to respond, and constantly provided updates on each process. Have purchased 5 homes over the last 20 years and Evan was by far the best.”
Jeff
Google Review
“Evan was amazing guiding me through a refinance! Quick, clear communication and super nice! Would 100% recommend!”
Erik
Google Review
“Evan got us funded for an amazing new home and we were able to close before we could even get started with packing. He listened to our needs, met all of our requests, and continues to support us with any questions, even though our closing has been completed. I can't recommend anyone more than Evan"
Lexa
Google Review
“Evan was wonderful to work with! As a first time home buyer he helped me navigate the world of mortgages, answering questions simply and quickly. He was also able to execute my loan in 10 days, which was an added bonus!”
Jessica
Google Review
“Evan was SO easy to work with. He was fast and professional, and answered questions thoroughly and thoughtfully. Would highly recommend!”
Christine
Google Review
Unlock the Door to Your Dream Loan.
No matter where you are in your homeownership journey, we’re here to help.
