For homebuyers, especially first-timers
How buyers get the repairs paid for without draining their savings.
See If You Qualify
Answer a few quick questions — takes 30 seconds.
Where are you in the home buying process?
Here's the math that surprises people.
Say the home is $100,000, you put 10% down, and it needs a $10,000 HVAC system.
Without the program
- Down payment (10%)$10,000
- HVAC repairs, out of pocket$10,000
- Total cash needed$20,000
Est. monthly P&I: [$X]
With the Simple Renovation Program
- Down payment (10% of $110,000)$11,000
- HVAC repairsIn the loan
- Total cash needed$11,000
Est. monthly P&I: [$Y] (includes financed repairs)
Example for illustration only. Based on a purchase price of [$X], [X]% down payment, loan amount of [$X], interest rate of [X]%, APR of [X]%, [30]-year fixed term, [360] monthly payments of [$X]. Financing repairs increases your loan amount and monthly payment. Rates, terms, and program availability subject to change and borrower qualification. Not a commitment to lend.
Same home. $9,000 more stays in your pocket at closing.
Sound familiar?
The HVAC is on its last legs and the roof needs work — but you love the house.
Worn flooring, dated paint, old appliances. The seller won't fix a thing.
After the down payment, there's nothing left for repairs.
The right home shouldn't slip away over repairs you can finance.
The Simple Renovation Program
It's a loan feature. Not a compromise.
Here's exactly how it works — start to finish.
Find the home you want
Sign the contract. Love the house. Don't walk away over the inspection list.
Add the repairs to your loan
Carpet, paint, HVAC, appliances, windows, cabinets — financed into one mortgage with one closing.
Move in and make it yours
Use vendors like Home Depot or Lowe's. No general contractor required.
- Repairs financed into your mortgage — one loan, one closing
- No general contractor required — Home Depot or Lowe's vendors work
40+ years in the business
Frank Lee has been doing mortgages for over four decades. He's seen every scenario — he'll tell you straight if this fits.
[APPROVED WORDING — e.g. One of the largest mortgage brokers in [state/region]]
100+ lenders compared to find your best fit — not whatever one bank happens to offer.
A program most lenders don't have
The Simple Renovation Program is unique to Edge. Most lenders simply can't roll these repairs into your loan.
Let's be honest about who this is for.
This is for you if
- You're buying a home — especially your first
- The homes you like need repairs or updates
- You'd rather finance repairs than drain your savings
This isn't for you if
- You're not planning to buy right now
- You need a full custom remodel — this covers cosmetic and minor items
Questions, answered straight.
Don't walk away from the right home.
30 seconds. Zero obligation. Frank reviews every application personally.
Takes 30 seconds to qualify.