Enoch Kim · NMLS #963641  |  Edge Home Finance, LLC · NMLS #891464  |  NMLS Consumer Access  |  Licensed VA · NJ · DE · 49 States · DSCR All 50 ⊏⊐ Equal Housing Opportunity
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NMLS #891464  ·  Equal Housing Opportunity
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NMLS #891464  ·  Equal Housing Opportunity
Enoch Kim
Enoch Kim
Senior Mortgage Advisor · NMLS #963641
📞 301-830-3366 Apply Now
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Loan Programs

Every Borrower Is Different.
Every Loan Should Be Too.

With 150+ lending partners and a full suite of programs, we don't fit you into a loan — we find the loan that fits you.

🏠 Residential Loans
Most Popular

Conventional

The most common loan type, ideal for borrowers with solid credit and stable income. Flexible terms, competitive rates, and no upfront mortgage insurance with 20% down. A great fit for move-up buyers and those with strong financial profiles.

All loans subject to credit approval. Terms and conditions apply.
Low Down Payment

FHA

Backed by the Federal Housing Administration, FHA loans are designed for borrowers with lower credit scores or limited down payment funds. As little as 3.5% down makes homeownership more accessible than you might think.

FHA loans are insured by the Federal Housing Administration. Borrower qualifications and restrictions apply. A zero down payment does not eliminate closing costs or other fees.
Military Benefit

VA

An earned benefit for veterans, active duty service members, and eligible surviving spouses. No down payment, no private mortgage insurance, and competitive rates. Serving those who served is not just a service — it's an honor.

VA benefits are not provided by the lender but by the U.S. Department of Veterans Affairs. Additional eligibility requirements apply. Not affiliated with or endorsed by any government agency.
Rural & Suburban

USDA

For buyers in eligible rural and suburban areas, USDA loans offer 100% financing with no down payment required. Often overlooked, this program can be a game changer for the right borrower in the right location.

Subject to geographic and income eligibility requirements. A zero down payment does not eliminate closing costs or other fees.
Home Improvement

Renovation (FHA 203k & More)

Love the neighborhood but not the kitchen? Purchase and renovate with a single loan, or refinance and fund upgrades at the same time. From a fresh coat of paint to a full gut renovation — let's build the home you actually want.

FHA loans are insured by the Federal Housing Administration. All loans subject to credit approval.
Tap Your Equity

HELOC & HELOAN

Already own a home? Put your equity to work. A HELOC gives you flexible access to funds as needed, while a HELOAN delivers a lump sum at a fixed rate. Great for renovations, debt consolidation, or major expenses.

Subject to credit approval, property appraisal, and available equity. Terms and conditions apply.
💼 Specialty & Niche Loans
All 50 States

DSCR — Investor Loans

Debt Service Coverage Ratio loans are built for real estate investors. Qualification is based on the income the property generates — not your personal income or tax returns. Whether it's your second rental or your twentieth, DSCR helps keep your portfolio growing.

All loans subject to credit approval and property eligibility. Terms and conditions apply.
Self-Employed

Bank Statement Loans

Your tax returns may not tell your full financial story. Bank statement loans use 12–24 months of deposits to qualify you instead. A smarter path for entrepreneurs, freelancers, and business owners who write off everything they legally can.

All loans subject to credit approval and underwriting. Terms and conditions apply.
Short-Term

Fix & Flip

Got an eye for undervalued properties? Fix and flip loans provide short-term financing to purchase and renovate investment properties. Move fast, add value, and get to the closing table.

All loans subject to credit approval and property eligibility. Terms and conditions apply.
Build Your Dream

One-Time Construction Loans

Why close twice? A one-time construction loan combines your construction financing and permanent mortgage into a single closing. Build your dream home without the double fees, double paperwork, and double stress.

Subject to credit approval, plans approval, and builder eligibility.
Income Property

Commercial Loans

From small mixed-use properties to large commercial acquisitions, we have financing solutions for income-producing commercial real estate. Every deal is different — let's talk about yours.

All loans subject to credit approval and property eligibility.
⭐ Specialty Clientele

🎖️ Military Relocations

PCS orders don't wait for perfect timing. We understand the urgency and sacrifice that comes with military life. Combining VA loan expertise with nationwide licensing, we move as fast as you need to — so your family lands safely, wherever duty calls.

VA benefits are not provided by the lender but by the U.S. Department of Veterans Affairs. Not affiliated with any government agency.

🏠 First-Time Homebuyers

Buying your first home is one of the biggest decisions of your life. We'll walk you through every step, explain every option, and make sure you feel confident — not confused — at the closing table. No question is too small.

All loans subject to credit approval. Down payment assistance programs subject to eligibility.
Coming Soon

🔄 Reverse Mortgages

Designed for homeowners 62 and older, reverse mortgages allow you to convert home equity into tax-free funds without monthly mortgage payments. Expanding into this space soon — stay tuned.

Not currently offered. When available: HUD-approved counseling required prior to application. Not affiliated with HUD or FHA. Borrowers must continue to pay property taxes, insurance, and maintain the home.
No single loan fits every borrower. That's exactly why we've built a menu this broad. Our job isn't to push you into a program — it's to find the one that actually works for your life, your goals, and your future. That's what it means to have a broker for life.

Not Sure Which Loan Is Right for You?

That's exactly what Enoch is here for. Let's talk through your situation and find the right fit together.

Talk to Enoch → Start Application

Want to Know More?

Tell me a little about your situation and I'll personally reach out — just me. No call centers. No sharing your information. No one else will ever see this.

🤝 Your info stays between you and Enoch. Period. No lead sharing, no call centers, no inbox full of strangers. Just one broker who actually picks up the phone.
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Already decided? Go straight to the full application →

Perfect — I'll reach out personally.

No automated emails. No call center. Just me, Enoch — I'll review your info and reach out directly at a time that works for you.

Talk soon.
— Enoch Kim · NMLS #963641