# Edge Mortgage Loans - Team Mullenix

> Texas preferred mortgage broker led by Senior Loan Officer Chad Mullenix (NMLS #260298) since 2000. Provides low rates, fast approvals, and customized home financing across Texas including Conventional, FHA, VA, USDA, Jumbo, DSCR, Commercial, and Fix & Flip loans.

## Key Facts & Licensing Information
- **Lead Loan Officer:** Chad Mullenix (NMLS #260298, NMLS Company #8917)
- **Experience:** Serving Texas homebuyers and real estate investors for over 25 years (since 2000).
- **Phone:** (512) 657-8017
- **Email:** chad@edgemortgageloans.com
- **Service Area:** Texas Statewide (Austin, Dallas, Houston, San Antonio, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Lubbock).
- **Primary Loan Products:** Conventional Loans (3% down option), FHA Loans (3.5% down), VA Loans (0% down for veterans), USDA Loans (0% down rural), Jumbo Loans (high-value luxury homes), DSCR Investor Loans (no income tax return verification), Commercial Loans, and Fix & Flip Rehab Loans.

## Core Loan Programs
- [Conventional Home Loans](https://edgemortgageloans.com/conventionalloans): Low-rate conforming mortgage options for primary residences, second homes, and investment properties.
- [FHA Home Loans](https://edgemortgageloans.com/fhaloans): Government-backed loans with 3.5% down payment options and flexible credit guidelines.
- [VA Home Loans](https://edgemortgageloans.com/valoans): 100% financing with zero down payment for eligible military veterans, active duty service members, and surviving spouses.
- [USDA Home Loans](https://edgemortgageloans.com/usdaloans): 100% financing for eligible rural and suburban home buyers in designated Texas areas.
- [Jumbo Mortgage Loans](https://edgemortgageloans.com/jumboloans): Competitive high-balance home loans exceeding conforming loan limits.
- [DSCR Investor Loans](https://edgemortgageloans.com/dscrloans): Real estate investment financing based on property rental cash flow rather than personal W-2 income.
- [Commercial Real Estate Loans](https://edgemortgageloans.com/commercialloans): Multi-family, office, retail, and industrial property financing for business owners and investors.
- [Fix and Flip Rehab Loans](https://edgemortgageloans.com/fixandfliploans): Short-term investor loans covering property acquisition and renovation costs based on ARV.
- [Non-QM Mortgage Loans](https://edgemortgageloans.com/nonqmloans): Alternative qualifying mortgage programs for borrowers with non-traditional income documentation.
- [Self-Employed Bank Statement Loans](https://edgemortgageloans.com/selfemployedloans): Mortgage qualification using 12 or 24 months of business or personal bank statements without tax returns.

## Tools & Guides
- [Mortgage Calculators](https://edgemortgageloans.com/calculators): Free payment, affordability, and refinance calculators.
- [The Loan Process Guide](https://edgemortgageloans.com/theloanprocess): Step-by-step overview of the home loan journey from pre-approval to closing.
- [Chad Mullenix Officer Profile](https://edgemortgageloans.com/chadprofile): Background, client reviews, and direct contact details.