# For Richmond real estate agents: what your buyers get with me

Source: https://nobullshitloans.com/agents/
By Tyler Rood, Loan Officer, NMLS ID # 2064776, Edge Home Finance, LLC (NMLS ID # 891464). Updated 2026-11-09.

If you've been looking for a Richmond lender to trust with your buyers, you've probably worked with the other kind: the one who goes quiet after the letter, calls your coordinator instead of you, or lets you hear about a slipped closing from the listing side. I'm a loan officer at a licensed mortgage brokerage in the Richmond and Chesterfield area, and everything in this section is about one thing: how your buyers are treated.

My standard is my tagline, **Your Worth Is Your Word.** If I tell you something about a file, you can take it to your client. A pre-approval from me means the file was documented for underwriting before the letter went out. Within 24 hours of a ratified contract, my standard is to have the rate locked with the buyer's OK, the disclosures out, the appraisal and title ordered and the file in underwriting. Every milestone gets a Mortgage Update to every party, and you hear news first, with bad news by phone. Here is [what a Mortgage Update looks like](https://nobullshitloans.com/agents/how-i-work/#loan-officer-communication-the-mortgage-update).

Start with [how I work with agents and their buyers](https://nobullshitloans.com/agents/how-i-work/), then [what stands behind my pre-approval letters](https://nobullshitloans.com/agents/pre-approval-letters/). If you're structuring an offer, the credit versus price cut math is on [financing moves that win offers](https://nobullshitloans.com/agents/winning-offers/). If another lender just told your buyer no, read [the second look](https://nobullshitloans.com/agents/second-look/).

I don't ask anyone to drop a lender they trust. If you already have one, I'm glad to be the backup you know.

## Disclosures

Individual Originator: Tyler Rood, Loan Officer, NMLS ID # 2064776 (www.nmlsconsumeraccess.org). Licensed in NC, PA, TX and VA.
Edge Home Finance, LLC | NMLS ID # 891464 | www.nmlsconsumeraccess.org. Licensed in all U.S. states & D.C., EXCEPT New York. Edge Home Finance, LLC is a mortgage broker, not a direct lender or creditor. Virginia Broker License MC-7006. North Carolina Mortgage Broker License B-201539. Pennsylvania Mortgage Broker License 81041. Texas: Mortgage Company License, Department of Savings and Mortgage Lending.
Edge Home Finance, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD), or any other government agency.
We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.