Disclosures & Legal Notices
Last Updated: October 9, 2025
Important Notice: This website and the information provided is for informational purposes only and does not constitute a commitment to lend. All loans are subject to credit approval and property appraisal. Programs, rates, terms, and conditions are subject to change without notice.
NMLS & Licensing Information
Louis Doherty - NMLS ID #60093
Edge Home Finance Corporation - NMLS ID #891464
This information is verified and can be found on the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access website at www.nmlsconsumeraccess.org
Licensed States: Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas, Virginia
Primary Office: 20283 State Road 7, Suite 332, Boca Raton, FL 33498
APR & Rate Assumptions
Annual Percentage Rate (APR) and interest rate information provided on this website are based on current market conditions and the following assumptions:
| Assumption | Details |
|---|---|
| Loan Amount | $400,000 (unless otherwise specified) |
| Property Value | $500,000 (unless otherwise specified) |
| Loan-to-Value (LTV) | 80% (unless otherwise specified) |
| Credit Score | 740+ (unless otherwise specified) |
| Property Type | Single-family residence, primary occupancy |
| Loan Term | 30 years (unless otherwise specified) |
| Rate Lock Period | 30-45 days |
Important: Your actual rate, payment, and costs may be higher or lower based on your specific financial situation, credit score, property type, loan amount, and current market conditions at the time of application.
Rate & Fee Disclaimers
- Rates Change Daily: Interest rates and APRs shown on this website are subject to change without notice and may not be available at the time of your application.
- Not a Commitment to Lend: Information provided on this website does not constitute a commitment to lend or a guarantee of any specific interest rate, terms, or approval.
- Estimated Closing Costs: Closing cost estimates are approximate and may vary based on your specific loan scenario, property location, and third-party service providers.
- Mortgage Insurance: Private Mortgage Insurance (PMI) or Mortgage Insurance Premium (MIP) may be required for loans with less than 20% down payment. FHA loans require both upfront and annual mortgage insurance premiums regardless of down payment amount.
- Fees May Apply: Origination fees, discount points, appraisal fees, title insurance, and other third-party fees may apply to your loan.
- Credit Approval Required: All loans are subject to credit approval and verification of income, assets, and employment. Additional conditions may apply.
Non-Commitment Disclaimer
THIS IS NOT A COMMITMENT TO LEND
The information provided on this website, including rate quotes, loan program details, and estimated payments, is for informational and comparison purposes only and does not constitute a loan commitment, approval, or guarantee of any specific terms.
A formal loan commitment will only be issued after:
- Complete loan application submission
- Credit report review and approval
- Income and asset verification
- Property appraisal and review
- Underwriting approval
- Satisfaction of all conditions
Mortgage Calculator Disclaimers
The mortgage calculators and tools provided on this website are for educational and estimation purposes only. They do not account for all costs and expenses involved in obtaining a mortgage loan. Actual loan payments and costs will vary based on:
- Interest rate at time of lock
- Loan term and type
- Property taxes (which vary by location)
- Homeowners insurance premiums
- HOA fees (if applicable)
- Mortgage insurance (if required)
- Closing costs and fees
- Escrow account requirements
For accurate payment and cost calculations based on your specific situation, please contact us directly.
Equal Housing Opportunity
Edge Home Finance Corporation and Louis Doherty are committed to fair lending practices and compliance with all applicable federal and state laws prohibiting discrimination.
We do not discriminate based on:
- Race, color, or national origin
- Religion
- Sex or gender
- Familial status (having children under 18)
- Disability or handicap
- Age
- Marital status
- Receipt of public assistance income
Equal Housing Lender | We are committed to providing equal housing opportunities to all persons.
State-Specific Notices
Florida
Edge Home Finance Corporation is licensed by the Florida Office of Financial Regulation. Licensed in Florida under NMLS #891464.
Other States
Additional state-specific disclosures and licensing information may apply based on the property location. Please contact us for state-specific information.
Privacy & Data Protection
Your privacy is important to us. We collect and use personal information only as necessary to process your loan application and provide our services. For complete details on how we collect, use, and protect your information, please review our Privacy Policy.
Arbitration & Dispute Resolution
Any disputes arising from or related to services provided may be subject to arbitration as outlined in your loan documents. Specific terms will be provided in your loan application and closing documents.
Questions About These Disclosures?
Contact Us:
Louis Doherty
Senior Mortgage Loan Officer
Edge Home Finance Corporation
NMLS #60093 | Company NMLS #891464
Phone: (954) 394-1959
Email: louis.doherty@edgehomefinance.com
Office: 20283 State Road 7, Suite 332, Boca Raton, FL 33498
Document Version: 1.0 | Effective Date: January 1, 2025 | Last Updated: October 9, 2025