Remodeling / Construction
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A Home That Truly Fits You
Finding the perfect home that truly reflects your family's dreams can often feel difficult. Instead of settling, imagine designing a place you're genuinely proud to call home , whether you envision starting from scratch to build your dream white kitchen or updating the bathroom in the home you currently own and cherish. Edge Home Finance LLC provides the specialized financing to turn these aspirations into reality.
Competitive rates and flexible draw schedules aligned to project progress
Up to 80% financing, subject to appraised value
Expert construction draw administration for simplified financial management
Consolidate improvement costs and home purchase into one convenient loan
With a construction or renovation loan from Edge Home Finance, you can finally say, "This is truly our forever home."
Mortgage Guides
Step-by-step buyer blueprints, rate cycle comparisons, and mortgage reference manuals.
How to Get Started
There are several ways to begin the loan process with Team Mullenix.
Competitive Rates & Flexible Draw Schedules
Our construction and renovation loans offer competitive interest rates with flexible draw schedules, ensuring your project's funding aligns precisely with its progress. This gives you financial control at every stage of your build or remodel.
Up to 80% Financing
Maximize your access to the capital needed for your project. Our renovation and construction loans offer up to 80% financing subject to appraised value, giving you the resources to bring your vision to life without compromise.
Expert Construction Draw Administration
We meticulously administer all construction draws, simplifying the financial management for you. Our team ensures funds are released at the right time and in the right amounts, keeping your project on track and your builder accountable.
Consolidate Costs Into One Loan
Smoothly roll the expenses of both improvements and your home purchase into a single, convenient loan. This consolidation simplifies your finances and can save you money compared to separate financing for the purchase and renovation.
Build From Scratch or Remodel
Whether you're building a brand-new home from the ground up or remodeling your current residence, our construction and renovation loans provide the flexible financing you need. From a new white kitchen to a full custom build, we help you create a home you're proud to call yours.
Design Your Dream Home , Don't Settle
Instead of settling for a home that's almost right, use our renovation and construction financing to create the home that truly fits your family. Edge Home Finance LLC provides the specialized financing to turn your aspirations into reality, so you can say, "This is truly our forever home."
Texas Mortgage Program Comparison Matrix
Compare credit score minimums, down payment guidelines, loan limits, and mortgage insurance terms across Texas home financing options.
| Feature / Guideline | Conventional | FHA Loan | VA Loan | DSCR Investor |
|---|---|---|---|---|
| Minimum Down Payment | 3% to 5% (20% to avoid PMI) | 3.5% (with 580+ FICO) | 0% (Zero Down Payment) | 15% to 25% |
| Minimum Credit Score | 620 (720+ for best rates) | 580 (500 with 10% down) | No VA minimum (580-620 typical) | 640 to 680 |
| Maximum DTI Ratio | 43% to 45% (up to 50% automated) | 50% (with compensating factors) | 41% baseline (flexible with residual) | No personal DTI calculated |
| Mortgage Insurance | Private PMI (cancels at 20-22% equity) | UFMIP 1.75% + Monthly MIP | None (One-time funding fee only) | None required |
| 2026 Loan Limit (1-Unit) | $766,550 conforming baseline | $498,257 to $600k+ by county | No limit with full entitlement | Up to $2,500,000+ |
| Eligible Occupancy | Primary, 2nd home, investment | Owner-occupied primary only | Owner-occupied primary only | Non-owner investment only |
| Income Documentation | W-2s, tax returns, pay stubs | W-2s, tax returns, pay stubs | W-2s, LES, military COE | Property rental cash flow only |
| Wholesale Broker Speed | 14 to 21 days to clear to close | 14 to 21 days to clear to close | 14 to 21 days to clear to close | 14 to 21 days to clear to close |
Guidelines reflect standard Texas agency and wholesale underwriting thresholds as of 2026. Custom portfolio guidelines may vary based on compensating borrower factors.
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