Welcome to Edge Home Loans in Cape Coral, Florida

Are you a first-time home buyer dreaming of owning a piece of paradise in beautiful Cape Coral? At Edge Home Loans, we specialize in helping individuals and families navigate the exciting journey of purchasing their first home. With our dedicated team and comprehensive first-time home buyer programs, we make it easier than ever to turn your dream into a reality.

Your Gateway to Home Ownership

Buying your first home can be both thrilling and overwhelming. With so many options available, it’s essential to have a reliable partner by your side. That’s where we come in! Our team at Edge Home Loans understands the local market and the unique challenges first-time buyers face. We’re here to guide you every step of the way.

Why Choose Edge Home Loans?

• Low Down Payment: You can qualify as a first-time home buyer with as little as 3.5% down. This makes home ownership more accessible for many!
• Competitive Rates: We offer low rates on first-time home loans, ensuring you get the best deal possible.
• Credit Assistance: We help you understand and meet the credit requirements necessary for approval, with a minimum credit score of 580.
• Quick Closings: We pride ourselves on our efficiency, often closing loans in 30 days or less with low fees.

Understanding Cape Coral

Located in Lee County, Cape Coral is known for its stunning waterfront properties and beautiful weather. With over 400 miles of navigable waterways, it’s a paradise for boating and fishing enthusiasts. The average temperature in Cape Coral ranges from 70°F in winter to 90°F in summer, making it a perfect place to enjoy outdoor activities year-round.

Cape Coral is not just about beautiful homes and waterways; it also boasts a vibrant community with numerous parks, recreational facilities, and shopping centers. Nearby businesses such as Cape Coral Chamber of Commerce and local eateries make it a wonderful place to live, work, and play.

Common Questions About First-Time Home Buyer Programs

We understand that you may have questions about our services and how to qualify for first-time home buyer programs. Here are some of the most frequently asked questions:

• What are the eligibility requirements? To qualify for our first-time home buyer programs, you typically need a minimum credit score of 580 and a steady income.
• How much can I borrow? The amount you can borrow will depend on your income, credit score, and debt-to-income ratio. Our team can help you understand your borrowing capacity.
• What costs should I expect? Besides the down payment, you should budget for closing costs, home inspections, and other fees. We provide a transparent overview of all costs involved.
• Can I use a gift for my down payment? Yes! Many first-time home buyers use gifts from family members for their down payment. We can guide you through the process.

Get Started with Edge Home Loans

At Edge Home Loans, we are committed to making the home buying process as smooth as possible for first-time buyers. Our experienced team is here to help you with every aspect of securing a mortgage, from initial qualification to closing. We want you to feel confident and informed as you embark on this exciting journey.

Are you ready to take the first step toward home ownership? Use our Florida mortgage calculator to estimate your monthly payments and see how affordable your dream home can be.

Don’t hesitate to reach out with any questions or concerns. We are here to help you navigate the process with ease. If you’re ready to apply, you can apply online today or give us a call at (855) 744-EDGE. Your dream home in Cape Coral is just a few steps away!

For more information about our services and other areas we serve, visit our service areas page. Explore all that Cape Coral has to offer by checking out the Cape Coral city page.