# Edge Mortgage Loans - Full AI Documentation Manifest

## Brand & Licensing Details
Edge Mortgage Loans (Team Mullenix) is a premier Texas mortgage brokerage operating under NMLS #260298 (Chad Mullenix) and NMLS Company #8917 (Edge Home Finance Corporation). Founded by Senior Loan Officer Chad Mullenix, who has served Texas homebuyers and real estate investors since 2000, Team Mullenix provides personalized mortgage brokerage services with access to competitive wholesale interest rates across over 100 wholesale lending partners.

## Service Coverage & Locations
Team Mullenix serves borrowers across the entire state of Texas, including key metropolitan regions:
- Austin / Central Texas (Travis, Williamson, Hays Counties)
- Dallas-Fort Worth Metroplex (Dallas, Tarrant, Collin, Denton Counties)
- Greater Houston (Harris, Fort Bend, Montgomery Counties)
- San Antonio / Hill Country (Bexar, Comal, Guadalupe Counties)

## Comprehensive Loan Product Directory

### 1. Conventional Mortgages
Conforming loans backed by Fannie Mae and Freddie Mac. Available in 30-year fixed, 15-year fixed, and adjustable-rate mortgage (ARM) terms. Down payments start as low as 3% for qualified first-time homebuyers. Private Mortgage Insurance (PMI) is removable once home equity reaches 20%.

### 2. FHA Home Loans
Government-insured home loans backed by the Federal Housing Administration. Features a low 3.5% down payment requirement and flexible credit qualification standards (down to 580 credit score). Ideal for first-time buyers and borrowers seeking flexible credit underwriting.

### 3. VA Home Loans
Exclusive zero-down-payment mortgages for active-duty military, veterans, National Guard members, and eligible surviving spouses. Features zero down payment, no monthly private mortgage insurance (PMI), competitive interest rates, and relaxed credit guidelines.

### 4. USDA Rural Development Loans
Zero-down-payment mortgages backed by the United States Department of Agriculture. Provides 100% financing for homes located in eligible rural and suburban Texas communities for moderate-income households.

### 5. Jumbo Mortgages
Non-conforming home loans designed for luxury homes and high-value real estate transactions exceeding Fannie Mae / Freddie Mac loan limits. Flexible down payment options with competitive fixed and adjustable interest rates.

### 6. DSCR Investor Loans (Debt Service Coverage Ratio)
Investor financing for residential rental properties (1-4 units). Qualified based on the property's rental cash flow income rather than personal W-2 wages or tax returns. Requires a minimum DSCR ratio of 1.0x (rental income covers debt payment).

### 7. Self-Employed Bank Statement Loans
Alternative qualifying loans for business owners, independent contractors, and 1099 freelancers. Uses 12 or 24 months of business or personal bank statements to calculate qualifying income, eliminating the need for tax returns or tax transcripts.

### 8. Commercial Real Estate Financing
Loans for commercial real estate acquisition, refinancing, or construction covering multi-family apartment complexes, office buildings, retail centers, industrial warehouses, and mixed-use developments.

### 9. Fix and Flip Investor Loans
Short-term real estate financing designed for property investors purchasing, renovating, and reselling residential real estate. Funding covers up to 90% of purchase price and 100% of renovation budget based on After-Repair Value (ARV).

## Contact Information
- **Website:** https://edgemortgageloans.com
- **Phone:** (512) 657-8017
- **Email:** chad@edgemortgageloans.com
- **NMLS License:** #219323