Licensed in Virginia & North CarolinaTEXT SAM · 757-754-0326
Sam Hill Home Loans — Powered by Edge Home Finance, LLC
Edge Home Finance logoPowered by Edge Home Finance, LLC
Sam Hill · NMLS ID # 2131106Edge Home Finance, LLC · NMLS ID # 891464
YOUR ROADMAP

Good communication.
At every step.

Clear next steps, a complete financial analysis and a mortgage strategy that keeps your real estate agent in the loop.

  1. First, a real conversation.

    We’ll talk through your goals, timing, budget and current home situation. Email or text to schedule your initial call.

  2. Application + financial analysis.

    Complete the application through Edge’s secure website. Ask Sam about starting with a soft credit check, with your authorization; a hard inquiry may be required later. We’ll review income, assets, debts and loan options.

  3. A plan you can see.

    Review scenarios together by phone or video. We compare rates, fees and cash needed to close, and build property-specific payment estimates using the latest available local tax records. Future assessments, insurance and other costs can change.

  4. Your agent, back in the loop.

    We connect back with your real estate agent so your search, offer and financing strategy work together.

  5. From contract to closing.

    We coordinate underwriting, appraisal and outstanding documents, keeping you and your agent informed through underwriting and closing.

BUILT TO KEEP MOVING

Prepared files.
Responsive follow-through.

A complete application and timely documents help keep your loan moving. Sam coordinates with the selected lender and your agent to work toward your contract’s closing date.

Final underwriting clearance means the lender has satisfied its outstanding conditions. Closing and funding are separate steps.

LET’S PUT A PLAN TOGETHER

Your next move starts
with a conversation.

Email or text Sam to schedule a call. Include a convenient time and whether you prefer a phone or video meeting.