The clear path to your new home starts here.
Clear to close in an average of 12 days. Straight answers, fast pre-approvals, and a loan officer who actually picks up the phone.
Fast Answers
Pre-approvals turned around quickly so you can shop with confidence.
Straight Guidance
Plain-English advice, no jargon, no pressure, no surprises at closing.
Real Support
One point of contact from application to keys, communication you can count on.
More Programs
Conventional, VA, FHA, USDA, DSCR & more, matched to your situation.
Guidance you can trust, from someone in your corner.
Hi, I'm Trip Ritchie, Mortgage Loan Originator with Edge Home Finance. My job is simple: make the mortgage process clear, fast, and stress-free, whether you're buying your first home, moving up, or refinancing.
You'll get honest numbers up front, a plan built around your goals, and a real person to call whenever you have a question. No call centers. No runaround.
The right loan for where you are.
Every buyer is different. Here are the programs I use most to get clients to the closing table.
Conventional
Competitive rates and flexible terms for buyers with solid credit and steady income.
FHA
Lower down payments and flexible credit guidelines, ideal for first-time buyers.
VA Loans
$0-down financing and strong benefits earned by our veterans and active service members.
USDA
$0-down financing for eligible buyers in qualifying rural and suburban areas.
DSCR & Non-QM
Flexible qualifying for investors and self-employed borrowers, built around your income story.
Construction & Reverse
Financing to build your dream home, plus reverse options for eligible homeowners 62+.
Programs available through Edge Home Finance: Conventional, VA, FHA, USDA, DSCR, Construction, Non-QM, Reverse
Three simple steps to your keys.
Get Pre-Approved
Apply online in minutes. I'll review your goals and give you a clear, honest number to shop with.
Find Your Home
Shop with confidence knowing exactly what you qualify for. I'm on call for you and your agent.
Close With Confidence
I manage the details and keep you updated at every step, right up to the day you get your keys.
Plan before you shop.
Mortgage Calculator
Estimate your monthly payment, taxes, and insurance in seconds.
First-Time Buyer Guide
The step-by-step guide to buying your first home with confidence.
Trusted by homebuyers across South Carolina.
Don't take my word for it, see what clients say about working together.
Let's talk about your goals.
Fill out the form and I'll reach out personally, usually the same day. Prefer to talk now? Call or email anytime.
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Call or Text843-991-5828
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Email[email protected]
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CompanyEdge Home Finance, LLC · 5860 Baker Road, Minnetonka, MN 55345
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HoursMonday–Friday 9–5
Request Your Free Consultation
Quick and easy, no obligation, no impact to your credit.