Structure the Deal. Win the Outcome.
Most lenders focus on rates. Alex structures your financing around your income, your goals, and your offer, so you don't just get approved, you close stronger.
No obligation • Same-day pre-approvals • 120+ lending partners
A Loan Program for
Every Situation
Most lenders try to fit you into a box. Alex builds a loan strategy around your actual situation, whether you're W-2, self-employed, investing, or working through a complex deal.
If your situation doesn't fit the standard mold, that's where most lenders stop. It's where we start.
Conventional
Ideal for buyers with strong credit and straightforward income looking for flexibility and competitive terms.
FHA
Designed for buyers who need flexibility on credit or down payment without sacrificing a path to ownership.
VA
Exclusive benefits for veterans and active-duty service members, including zero down and strong financing terms.
Jumbo
Structured financing for higher-value properties where standard loan limits don't apply.
Bank Statement
Built for self-employed borrowers, qualifying based on real income, not tax write-offs.
DSCR / Investor
Investor-focused financing based on property performance, not personal income.
Build a Home (Construction Loan)
Finance your land and build your home with one strategy. No double closing required.
Your Next Home Doesn't Have
to Already Exist.
Most buyers assume building means two loans, two closings, and months of complexity. With the right structure, land and construction financing can work as one connected strategy, from lot purchase to keys in hand.
How It Works
Land and construction financing lets you purchase raw land or a developed lot, fund the build through scheduled draws rather than a lump sum, then convert everything into a single permanent mortgage at completion. No refinance. No second closing. One strategy, start to finish.
- Purchase raw land, acreage, or a developed lot
- Fund construction through draw schedules. Pay as you build.
- Convert to permanent financing at completion. No second closing.
- Available for custom builds, semi-custom, and owner-builder scenarios
- Flexible qualifying through lenders who specialize in complex deals
“Most people don't realize this is even possible.”
The majority of buyers, and even some agents, assume construction financing requires a large down payment, a year of back-and-forth, and two separate closings. The right lender structure removes most of that friction.
Specialized Lending Partners
United Ag Lending
Land, lot, and acreage financing, including rural and agricultural properties
Sierra Pacific Mortgage
Construction-to-permanent financing. One loan, one closing.
Towne Mortgage
Flexible programs for complex scenarios where standard lenders stop
Not sure if building is the right move? That's exactly what this conversation is for.
Plan My Build StrategyNo obligation • No jargon • Just a clear look at what's possible
Your Agent IS Your Lender.
When your financing and offer strategy are handled together, every decision is made with the full deal in mind, not in pieces. That's how you avoid surprises and close with confidence.
Real estate services provided under eXp Realty, LLC (FL License #SL3394887). Mortgage services provided under Edge Home Finance, LLC (NMLS #891464). These are separate services. You are not required to use both. Learn more.
Same-Day Pre-Approvals. Move When the Opportunity Hits.
Alex can issue pre-approvals same-day, letting you move quickly on competitive listings.
Financing Structured to Win, Not Just Qualify
Financing terms are crafted to be competitive: shorter contingency windows, solid commitment letters.
No Last-Minute Issues. Your Loan Is Managed Through Closing.
Alex monitors the loan internally, so no last-minute lender issues derail your closing.
From Application to Clear to Close
Every step is built to move you forward quickly, clearly, and without surprises.
Free Consultation
Alex reviews your goals, income, credit, and timeline to identify the best loan programs for your situation.
Pre-Approval
Submit your application and docs. Alex issues a pre-approval letter, often same-day, so you can shop with confidence.
Loan Processing
Alex manages the entire loan file, coordinates with the underwriter, and keeps you updated at every stage.
Clear to Close
Once the underwriter approves, Alex coordinates the closing with title and escrow for an on-time close.
Mortgage Calculator
Use this as a starting point. From there, we refine your numbers, strategy, and loan options based on your real scenario.
Loan Details
Loan amount: $360,000 · LTV: 80.0%· No PMI
Not applied · LTV ≤ 80%
Estimated Monthly Payment
per month · estimated
Numbers are estimates. Strategy is what makes the difference.
Estimated payment only. Does not include closing costs, escrow setup, or all loan-related fees. Actual rate, terms, and payment depend on credit profile, loan type, property, and lender approval. Not a commitment to lend. NMLS #2263609.
Know Your Numbers
Before You Commit to Anything.
Tell me your situation and I'll identify the right loan programs, model out your real payment, and map a strategy before you ever sign anything.
Mortgage Services Provided By
Edge Home Finance, LLC
Alex Khalil · NMLS #2263609
Company NMLS #891464
5860 Baker Road, Minnetonka, MN 55345
This is not an application for credit or a commitment to lend. All mortgage products are subject to credit qualification, underwriting approval, and property eligibility. Rates and programs subject to change without notice.
Verify at NMLS Consumer AccessGet Your Financing Strategy
What’s Next?
Start Your Home Search
Pre-approved and ready to compete? As your Realtor, I’ll structure offers that actually win in today’s market.
Start Home SearchKnow Your Home’s Value
Whether you’re tapping equity or selling to upgrade, start with a real valuation. No automated guesses, no pressure.
Get Home Value