Licensing and disclosures
Who you are working with, how to look us up, and the fine print, in plain words.
Who I am, on paper
Tyler Rood, Loan Officer, NMLS ID # 2064776. Licensed in North Carolina, Pennsylvania, Texas and Virginia. You can look up my license at NMLS Consumer Access.
I originate loans as a loan officer with Edge Home Finance, LLC, NMLS ID # 891464 (www.nmlsconsumeraccess.org), a licensed mortgage broker:
- 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. Texas residents, see the Texas consumer complaint notice.
Edge Home Finance, LLC lists every state license and notice on its licensing page. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia. Edge Home Finance, LLC does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.
What a mortgage broker is
Edge Home Finance, LLC is a mortgage broker, not a direct lender or creditor. It arranges your loan with a wholesale lender instead of lending its own money. The lender that funds your loan is named on your disclosures. How I am paid on your loan is shown on your Loan Estimate and Closing Disclosure.
The numbers on this site
This site is general education and an advertisement for mortgage services. It is not a loan offer, a commitment to lend, a rate quote or a loan approval. Examples and calculator results are illustrations. Any rate on this site is an example and may change or may not be available at the time of loan commitment or lock-in. For example terms with the APR, see example terms and APR. Your official Loan Estimate is the only quote that counts.
A pre-approval is not a loan approval. Final approval depends on underwriting, the appraisal, title, the program’s guidelines and no material change in your finances before closing.
Government programs
FHA, VA and USDA loans are government-insured or guaranteed programs. 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.
Equal Housing Opportunity
We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.