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
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.
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.
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.
USDA
Zero-down financing for homes in eligible rural and suburban areas. More of Florida qualifies than most buyers expect.
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.
Construction
Finance your land and build your home with one strategy. One closing, no refinance required at completion.
Refinance & HELOC
Lower the rate, drop PMI, shorten the term, or tap equity. Run the break-even math before committing.
Opportunity
Equal Opportunity Lender. All loan programs shown are subject to underwriting, borrower qualification, and lender availability. Rates, terms, and program features change without notice. This is not a loan commitment or a rate quote. For personalized terms, you will receive a Loan Estimate after applying. Full mortgage disclosures.
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 Program Access
Construction-to-Permanent
One loan, one closing. Land, build, and permanent financing in a single structure.
Flexible Qualifying Programs
Options 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
Financing Built Around the Deal. Not the Other Way Around.
Whether you found me directly or your agent sent you here, the job is the same: structure your loan so your offer wins and your closing never wobbles. 120+ lenders, one strategy, zero surprises.
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.
Same-day pre-approval available when your documents are ready, so you can 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.
Managed Through Closing. Issues Surface Early — Not at the Table.
Alex monitors the loan internally so problems get caught early — not the week of 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.
Tools That Sharpen the Decision
Run the scenarios before you fill out a form. These are the tools Alex walks through on every call.
Down Payment Assistance
Florida Hometown Heroes, FL Assist, HFA Preferred and local programs you may qualify for.
OpenClosing Cost Calculator
Estimate buyer or seller closing costs with Florida-specific doc stamps and title rates.
OpenRent vs. Buy
See the break-even year and whether buying makes sense over your time horizon.
OpenFAQ
Straight answers on credit, pre-approval, PMI, construction loans and more.
OpenKnow 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 Pre-Approval
Takes about 15 minutes. Same-day letter available when your documents are ready.
Start Pre-ApprovalPerfect. I Work Alongside Them.
Your agent stays your agent — I handle the financing and keep you both updated at every milestone. Have them reach out, or send me your scenario.
How I Work With Agents