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Erin Bergem - Edge Home Finance Mortgage Broker 354831

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Cape Coral, FL
Erin Bergem - Edge Home Finance Mortgage Broker 354831

I have 20 years in the mortgage industry. Please contact me to get pre-approved!
(22)

08/05/2024

Agents please take note ⬇️

This is one of the BEST loan programs out there! They are typically much easier to get approved than other loan types, have the lowest denial rate and usually have much lower rates!

If you or someone you know is a veteran and are thinking about buying a home, let’s talk!!!

07/22/2024

Starting a new chapter after divorce can feel like venturing into the unknown. But guess what? Change is just another adventure waiting to unfold! 🌟

If you're navigating the complexities of divorce and homeownership, you are not alone. I understand it can be overwhelming and scary, but don't worry! My team and I are here to be your guide on this journey of transition.

Whether you are exploring refinancing options, navigating mortgage choices, or just need someone to talk to, I am here for it all! 🏡 Our consultations go beyond numbers; they're about giving you the knowledge and support you need to thrive post-divorce.

Ready to turn the page and start a new chapter?
Reach out to us! ✨

Your future self will thank you for taking this step. Remember, change can be intimidating, but it's also a catalyst for growth. Let's embark on this journey together!!

07/03/2024

𝗛𝗢𝗠𝗘𝗧𝗢𝗪𝗡 𝗛𝗘𝗥𝗢𝗘𝗦 𝗙𝗨𝗡𝗗𝗦 𝗥𝗘𝗣𝗟𝗘𝗡𝗜𝗦𝗛𝗘𝗗!!
Hometown Heroes offers 5% down payment assistance up to $35K with a $10K minimum towards a new home 🏡
Don’t miss out on this opportunity to purchase a new home with the same- OR LESS than a security deposit on a rental. Funds are limited, so don’t wait!!

⭐️ Must be a 1st time buyer
⭐️ Must work FT at a FL based company
⭐️ Minimum credit score 640
⭐️ Borrower must meet credit and income
Requirements

Reach out today with any questions!

03/31/2024

Jesus didn’t say “I am finished” he said “It is finished”
𝓗𝓮 𝔀𝓪𝓼 𝓳𝓾𝓼𝓽 𝓰𝓮𝓽𝓽𝓲𝓷𝓰 𝓼𝓽𝓪𝓻𝓽𝓮𝓭 ✝️🙏🩷
🅗🅐🅟🅟🅨 🅔🅐🅢🅣🅔🅡

01/22/2024

Your goals are the roadmaps that guide you and show you what is possible for your life. Remember goals aren't just targets, but they're pathways that lead us towards our fullest porential!
Each goal is a step towards your vision for success. Keep following your roadmap and have an amazing week! 🛣️💪🏻🌅🌟

12/22/2023

As we enjoy the season, there's a noticeable chill - and it's not just the weather. Mortgage interest rates have been higher than we'd like, but there's a silver lining: they're starting to come down. However, beware of the Grinch lurking around, trying to convince you to refinance prematurely and sn**ch away the potential for even lower rates.

Imagine the Grinch, with his crafty whispers, urging you to act fast. But patience is key. The trend of gradually decreasing rates is on your side, and acting too quickly could mean missing out on extra savings.

Don't fall for the Grinch's tricks. It's crucial to navigate these conditions with an expert mortgage advisor (I know someone 😊) who can guide you through the market's complexities, alongside a dedicated realtor who represents your best interests.
If you're considering refinancing, don’t be too hasty! WAIT! Jumping in too early could mean missing out on lower rates in the near future. I'm here to help you navigate this tricky landscape. We'll watch the market closely and wait for the perfect moment to act, ensuring you get the best deal possible.

So, as you decorate and celebrate, keep a watchful eye on those rates and remember with the right strategy, we'll outsmart the Grinch together. Here's to a festive season and a smart, savings filled new year!

Approving your dreams

Message me anytime, I’d love to chat!
612-867-4636

07/31/2023

Congratulations to my clients in Wisconsin for going under contract on this adorable cabin!

I now lend in 48/50 States!

07/25/2023

🍷🧀 Happy Wine and Cheese Day! 🧀🍷

As we celebrate the delightful pairing of wine and cheese today, let's not forget that finding the right mortgage can also be a perfect match! 🏠💕 Just like a smooth wine complements a savory cheese, a well-suited mortgage can make owning your dream home a reality!

So, here's to raising our glasses to the joys of homeownership and indulging in some delicious wine and cheese along the way! 🏡🥂 Enjoy this special day and remember, we're here to help you navigate the mortgage journey with expertise and a touch of fun!

07/24/2023

Some days we all need these reminders. What happened last week is now your past. Leave it in the rear view mirror and put your energies and focus into what’s ahead! Make it a great Monday friends! 🫶

07/10/2023

Your credit score helps lenders determine the amount of risk they take if they give you a mortgage loan. Scores range from 300 - 850 points based on your payment history and ability to repay your debts on time. Late and missed payments will both lower your credit score.

Higher scores can make creditors more confident that you will repay your loan.

If you want more information on improving your credit score or what kind of loan you may qualify for with your current score, comment below or send a DM!

06/29/2023

If you are considering buying a house with a pool, here is a quick list of the benefits to help you decide.

💧Cool Off in the Heat
💧Increased Home Value
💧Entertain Family and Friends
💧Great Way to Get Exercise
💧No More Public Pools

Comment below what you would add to this list!

06/21/2023

I’m partnering with agent Cindy Brown from Gulf Coast Living to bring you this open house!

Please send me a message with any questions regarding loan programs that are available or to start the pre approval process.

Welcome to your dream waterfront home in the heart of Cape Coral! This stunning 3-bedroom, 2.5-bathroom house is a boater's paradise with Gulf access and no bridges. The spacious formal living room and great room provide ample space for entertaining guests and spending time with loved ones. You'll love the recently renovated kitchen and bar with its mini refrigerator, granite countertops, and matching appliances. Enjoy the real wood burning fireplace on chilly nights or cool off during hot summer days in the heated pool and spa with a new heat pump. The impact-resistant hurricane windows provide peace of mind during storm season. This home also features a dock suitable for a 60+ foot boat, central vacuum, recently remodeled pool deck, new carpets, and has been freshly painted. Don't miss out on this incredible opportunity to own a slice of paradise!

06/20/2023

The key to a minimalist interior is for the space to feel clean with a monochromatic color palette and uncluttered without too many accessories or pieces of furniture.

Do you prefer a more colorful palette or the minimalist tones?

06/14/2023

Unless you’re a mortgage lender, chances are that you have some questions about mortgages. They’re complex loans that can have a huge impact on your life, so understanding them and getting your mortgage FAQs answered is super important. Here are a few common questions answered!

06/08/2023

In this market, becoming a homeowner can seem out of reach. Many properties are expensive, and interest rates keep going up.

But with these steps, you can create a budget to help you find the right home!

Step 1: Add Up Your Income. Make sure to capture ALL income sources, not just the income from your full-time job.

Step 2: List Your Household Expenses. Get all the bills and expenses you usually have to pay listed in one spot. It's not the most fun, but it's an important step!

Step 3: Calculate Homeownership Costs. Owning a home can come with extra expenses outside of your mortgage payment, like repairs and maintenance. Be prepared for these expenses by budgeting them in.

Step 4: Give Your Budget Room to Grow. Budgets aren't meant to be one-and-done, so give your budget a little space to grow–both on the income and expenses side.

Step 5: Make Adjustments. Take a look at your budget. Can you afford a house? If it's a little tight, see what you can take out. If yes, then awesome! You're ready to get pre-approved!

If you follow these steps, you'll develop a great budget that will put you on the path to homeownership–without busting your budget!

05/30/2023

Congratulations to my clients for selling their home in MN and following their dreams to FL 🌴☀️

05/25/2023

Pre Qualified vs Pre Approved

Ever wondered what the difference is between being pre-qualified for a mortgage and being pre-approved? Here’s a quick breakdown!

🔸 Pre-qualification ⬇️

🏠 First step in the mortgage process.
🏠 You’ll supply an overview of your financial history to the lender, including income, assets, debts, and credit score, but this doesn’t always require documentation, it can be self-reported.
🏠 The lender will then review this information to give you an estimate of what you would qualify for.

🔸 Pre-approval ⬇️

🏠 Comes after pre-qualification.
🏠 You will need to fill out a mortgage application with documentation of your financial history, and the lender will verify the information you provide.
🏠 The lender will also run a credit check and if you’re pre-approved, you’ll get a pre-approval letter, which is an offer to lend you a specific amount for 90 days.

Still have questions as far as pre-approval vs pre-qualification? Send me a DM and let’s chat about it!

05/23/2023

Don't let rising interest rates scare you away from purchasing a home. As interest rates rise, housing prices have been coming down to match the decrease in buyer demand. Remember, you can refinance should rates lower in the future, but you can't change the home's purchase price. A lower purchase price comes with lower property taxes and a higher potential return on investment.

So keep in mind although rising interest rates are not ideal, there are some positive impacts that they can have, and you can refinance if rates come back down again.

Address

10402 73rd Avenue N
Cape Coral, FL
55369

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm
Saturday	8am - 6pm
Sunday	8am - 6pm

Telephone

+16128674636

Website

https://www.bergemhomeloans.com/

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🍷🧀 Happy Wine and Cheese Day! 🧀🍷 As we celebrate the delightful pairing of wine and cheese today, let's not forget that finding the right mortgage can also be a perfect match! 🏠💕 Just like a smooth wine complements a savory cheese, a well-suited mortgage can make owning your dream home a reality! So, here's to raising our glasses to the joys of homeownership and indulging in some delicious wine and cheese along the way! 🏡🥂 Enjoy this special day and remember, we're here to help you navigate the mortgage journey with expertise and a touch of fun! #WineAndCheeseDay #MortgageMatchmaker #HomeownershipCheers

Lee County Local Market Update 📍

Hennepin County Local Market Update 📍

PreApproval

Are you in the market to buy a new home? Have you recently considered making an offer on a listing? If so, it may be time for you to take the next step and become a pre-approved home buyer! 🏡 A pre-approval (not to be confused with a pre-qualification) is a statement issued to you by a bank or direct lender verifying the total amount that you may borrow for a home loan. The pre-approval statement would be provided to you after you have sent in the necessary documentation and the lender is able to make a commitment to lend based on your current financial situation.

Lee County Local Market Update 📍 #flrealestate #leecountyflorida #floridarealestate #CapeCoralhomes #capecoral #naplesflorida #naplesrealestate

Hennepin County Local Market Update 📍

5 Year Pledge

You know that house you’ve been dreaming about – just a few neighborhoods over? It won’t be available when you’re finally “ready.” In fact, there are more homes available right now than there have been in months. 📉 With this program, you don’t need to be deterred by higher interest rates. You can buy now and refinance to an even lower rate later, if rates drop, with no repeat lender fee or appraisal fee from New American Funding when you tap into this program in the next five years.

Gorgeous rare home for sale in The Lakes of Cape Coral 🌴✨ #capecoralrealestate #capecoral #capecoralflorida #capecoralhomes #capecoralhomesforsale

Spring branding session! 📸🌴✨ #floridaphotographers #floridamortgage #newamericanfunding #capecoralflorida #swflphotographer #swflrealestate #naplesfloridarealestate #fortmyersphotographer

Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers!This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. The Florida Hometown Heroes Loan Program also offers a lower first mortgage rate and additional special benefits to those who have served and continue to serve their country.

Hennepin County Local Market Update 📍

Lee County Local Market Update 📍 December 2021 VS December 2022

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About

We’re here to get you a better rate and find the mortgage that works best for you.

Our mission is to transcend the mortgage broker industry, by providing a personalized service you could never achieve at the big banks. We partner with our clients to get you the most value for your money, and hold you accountable to your goals.