About Edge Home Finance Corporation

Edge Home Finance is currently the 3rd largest Mortgage Brokerage in the United States….​

In January 2023, out of roughly 50,000 Mortgage Brokerages, Edge Home Finance was awarded The National Brokerage of the Year by AIME Group (Association of Independent Mortgage Experts). A non-profit national trade membership organization. 

Kelli Phelps is the Branch Manager and Senior Mortgage Broker for this Brokerage Team. The brick-and-mortar location for this branch is in Wetumpka Alabama, moved from Broomfield Colorado in 2021. Though we work remotely in several states.

Buying a home is one of the biggest decisions you can make. We understand that which is why it is our goal to help you make the best decisions throughout that entire process.

How do we do that exactly?​​

We ensure that you feel confident in the choices you make during the purchase process.  So, if you are a first-time home buyer, we explain how the process works from beginning to end. Then we give you as much information as you want or need along the way to make the best choices for you and your family.

Beyond that, we are always available to answer any questions and concerns you have throughout your loan process.  We pride ourselves on our accessibility, so you never feel ‘out of the loop’.

The best part about working with us specifically:

  • We work with over 75 lenders.
  • We have accessibility to a wide variety of loan products for all situations/needs.
  • We explain as much as you’d like before and during the process, so you don’t feel stressed/out of the loop.
  • During the loan process, we give regular updates to everyone involved.
  • The Mortgage Broker you are working with, and their Loan Processor are the only ones you speak to throughout the entire loan process.
  • We can close your loan smoother and faster than most. When we choose the lender for your loan, we give you the timing expectation up front before the process even starts.
Kelli Phelps Mortgage Broker

What is a Mortgage Broker and WHY use them?

Mortgage Brokers are independent, trained professionals licensed to represent you and provide you with the best advice for your mortgage needs. Once a Lender and Loan are chosen, your Broker will manage the loan process as well.

Mortgage Brokers primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What’s more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.

Kelli Phelps Senior Mortgage Broker

Other than lower interest rates, why deal with a Mortgage Broker over a Bank?

Mortgage Brokers represent you, the customer, not the lender. Brokers have expertise in what type of mortgage financing each lender prefers to pursue, and because they are not employees of a lending institution, Brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.

There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process within today’s very competitive marketplace intimidates many homebuyers. It pays to work with a mortgage professional who will represent you and ensure the mortgage you get is the one best suited to your needs.

How do Mortgage Brokers Find Superior Rates?

Interest rates are a concern to borrowers. Because of their daily contact with lenders, brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers, so you don’t have access to these lenders without a Broker.

These rates, and preferences for types of mortgages, can change daily, depending on economic circumstances or based on the size of an institution’s portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by Brokers are among the best available at the time of placement.

Mortgage Broker

Mortgage Calculator


Mortgage Refinance Calculator

See if you should refinance your mortgage. Enter the details of your current home loan along with details of a new loan to estimate your savings and see if refinancing is right for you!

Current Mortgage
New Mortgage
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Refinance Saving

per month
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New Payment
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Calculator By: Choice Home Mortgage

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