David Carr

Mortgage Advisor | Edge Home Finance | FL & MI | 30+ years helping buyers, homeowners & investors with purchase, refinance & HELOC loans.

[David Carr @carrhomeloan]

There may be more home loan options than you think.

The right program depends on your goals, finances, and the home you’re buying. Options may include:

[David Carr @carrhomeloan]

@Gosleepriya 945

[David Carr @carrhomeloan]

Buying a home? Add an independent home inspection to your checklist.

A home inspection can help you better understand the home’s visible condition before closing. It may point out concerns with major systems, maintenance needs, or areas that deserve a closer look.

[David Carr @carrhomeloan]

Real Estate Agents 🤝

Not every buyer fits neatly into one loan box. Self-employed income, investment properties, credit challenges, and unique scenarios may require a different approach. Have a buyer who needs a second opinion? Let’s review the file together.

📲l941-451-6910

[David Carr @carrhomeloan]

Buying a home may be closer than you think!

You may have more options than you realize—from low down-payment programs to a temporary 2-1 buydown that may lower your payments in years one and two. In some transactions, seller contributions may help cover the buydown cost.

[David Carr @carrhomeloan]

SELF-EMPLOYED? EXPLORE BANK STATEMENT LOANS | HARD MONEY OPTIONS AVAILABLE

Tax returns don’t always tell the whole story of a self-employed borrower’s income. Bank statement loan options may offer another way for eligible borrowers to document income when buying or refinancing.

[David Carr @carrhomeloan]

Your home has worked hard for you. Could it help support your retirement?

If you’re 62 or older, a reverse mortgage may let eligible homeowners access some of their home equity while continuing to live in the home.

Depending on your situation, it may help you:

[David Carr @carrhomeloan]

Homeowners Considering a Refinance 🔄

Your current mortgage isn’t the only number that matters. A refinance review can also look at high-interest debt, monthly cash flow, and your long-term plans. Want to see whether the numbers make sense?

FL: 941-451-6910 | MI: 248-469-5588

[David Carr @carrhomeloan]

Financing hit a snag? Before you give up on the house, let’s take another look at your options.

If your pre-approval fell through, your income changed, you’re self-employed, or the property raised questions, I’m happy to review the purchase scenario with you.

[David Carr @carrhomeloan]

Thinking about buying a home, refinancing, or investing in real estate? I’ll help make the mortgage process clear, simple, and personal from your first questions through closing.

I’m available 7 days a week to talk through your options in Florida and Michigan.

📞 941-451-6910

[David Carr @carrhomeloan]

A new roof and a simpler monthly payment one recent Sarasota refinance helped make both possible. 🏡

For this client, the refinance paid off a $393,000 mortgage and $65,000 in credit-card debt, and provided $75,000 for a new roof.

[David Carr @carrhomeloan]

Realtors: a buyer’s financing questions can come up at any point from pre-approval through closing. I’m happy to be a resource for purchase scenarios in Florida and Michigan. What’s the question buyers are asking you most this week?

[David Carr @carrhomeloan]

You Don’t Need Perfect Credit to Buy a Home! 🔑

Think your credit score is keeping you from buying? You may have more options than you realize.

✅ FHA
✅ Conventional
✅ VA
✅ USDA
✅ Bank Statement & Alternative Loan

[David Carr @carrhomeloan]

Transparency is key. Ask me to provide an estimation of closing costs, so that there are no surprises down the road.

As far as inspections, be sure to work with a reputable home inspector! When in doubt, I have a few good ones I can recommend.

The answer: False!