Conventional Loans
Conventional Loans are one of the most popular mortgage options for homebuyers who want flexibility, competitive rates, and a straightforward lending process. Unlike government-backed loans, Conventional Loans are offered by private lenders and are not insured by federal agencies, giving borrowers more choice in terms, down payment options, and property types. These loans are ideal for buyers with good credit and stable income who want to secure financing for their primary residence, second home, or investment property.
Flexible Down Payment Options
Conventional loans often allow down payments as low as 3% for qualified buyers, making homeownership more accessible while still offering competitive interest rates.
Competitive Interest Rates
With strong credit and solid financial history, borrowers can take advantage of some of the most competitive fixed or adjustable rates available in the mortgage market.
Benefits of Working with David Park – Edge Home Finance
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Two Decades of Industry Expertise
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Customized Loan Solutions
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Access to Multiple Lenders
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Transparent, Honest Communication
Wide Property Eligibility
Whether it’s a single-family home, condominium, vacation home, or investment property, conventional loans offer more flexibility in the types of properties you can finance.
Why Homebuyers & Investors Choose David Park – Edge Home Finance
For over 20 years, David Park has been a trusted partner for both homebuyers and seasoned investors, delivering mortgage solutions that combine competitive rates, flexible options, and exceptional service. We understand that every client’s financial situation and goals are unique, which is why we take the time to listen, strategize, and match you with the right loan program for your needs.
We are known for
Delivering proven results and trusted guidance in every market condition.
Tailoring mortgage programs to fit each client’s unique goals and financial profile.
Providing clear communication, quick responses, and a stress-free lending experience.
Ensuring clients get the best value with terms that work for them.
"FAQs"
We provide a full range of mortgage solutions, including home purchasing assistance, mortgage refinancing, reverse mortgage guidance, investor loans, home equity loans, hard money loans, construction loans, and conventional financing. We also offer rate and loan shopping assistance to help you find the best possible deal.
The approval timeline varies depending on your financial profile and the type of loan, but most clients can expect a pre-approval within 24–48 hours and full closing within 20–30 days. We work efficiently to keep your process smooth and timely.
Absolutely! We specialize in helping first-time buyers understand their options, secure competitive rates, and navigate the buying process with confidence. We’ll guide you from start to finish to make sure you feel supported every step of the way.
Yes. We can help you refinance your existing mortgage regardless of your current lender. We’ll review your financial situation, compare rates, and structure a new loan that fits your current needs and goals.
We are licensed in Texas, and while our primary focus is on helping clients within the state, we can connect you with trusted partners for transactions in other states if needed.
Your Trusted Partner in Home Financing
At David Park with Edge Home Finance, we believe getting a mortgage should be a clear, confident, and rewarding process. With over 20 years of experience, we guide homebuyers, investors, and homeowners through every step—ensuring they have the right loan program, competitive rates, and personalized advice to achieve their real estate goals. Our commitment to transparency, speed, and exceptional service makes us the partner you can rely on for all your home financing needs.
