At Edwin Mortgage Team, we believe the mortgage process should feel clear, personal, and stress-free — not confusing or overwhelming. Based in Oxford, Alabama, our team is committed to helping buyers and homeowners navigate financing with honest guidance, creative solutions, and one-on-one support every step of the way.
Whether you’re buying your first home, refinancing, investing, or relocating, we take the time to understand your goals and build a mortgage strategy designed around your real-life needs — not a one-size-fits-all approach.
We proudly serve homebuyers across Alabama, with additional lending support available in Florida, Georgia, and Texas through our licensed team members.
Mortgage Solutions Designed Around You
🏡 First-Time Homebuyers
Helping buyers understand the process, explore low down payment options, and purchase with confidence.
💼 Self-Employed & 1099 Borrowers
Flexible financing solutions for entrepreneurs, freelancers, and business owners using bank statements and alternative documentation.
🔄 Refinancing Solutions
Rate-and-term refinancing, cash-out options, debt consolidation, and equity access strategies tailored to your goals.
🏘 Investment Property Financing
DSCR loans, Fix & Flip, short-term rental financing, and creative solutions for real estate investors.
🛠 Specialized Loan Programs
FHA, VA, USDA, Conventional, Jumbo, Construction, HELOCs, ITIN, Foreign National, Condo, and Condotel financing options.
Why Buyers Choose Edwin Mortgage Team
✔ Guidance-first mortgage planning
✔ Personalized communication — never a call center
✔ Creative financing solutions for real-life situations
✔ Fast pre-approvals and streamlined closings
✔ Local knowledge with multi-state lending support
✔ Education-focused approach designed to reduce stress and build confidence
At Edwin Mortgage Team, we understand that buying a home is more than a transaction — it’s a major life decision. Our goal is to help you feel informed, prepared, and supported from your first conversation to closing day.
📍 Based in Oxford, Alabama
📞 Call or text: (256) 371-6811
Ready to Start Your Homebuying Journey?
Download our free First-Time Buyer Guide, schedule a consultation, or start your application today. We’re here to help you move forward with clarity and confidence.
QUICK QUOTE
HOMEBUYERS
Whether you are a first time home buyer or purchasing your dream home, The Edwin Mortgage Team at Edge Home Finance Team will help you find the right financing solutions to meet your needs.
LET'S CONNECT
Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!
TODAY'S RATES
Mortgage Rates can change on a daily basis. Due to these fluctuations timing is everything. Our team specializes in understanding market trends. We help homeowners determine the right time to purchase or to refinance.
LET'S CONNECT
Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!
REFINANCE
We can help you lower your interest rate, lower your monthly payment, or take cash out. The Edwin Mortgage Team at Edge Home Finance team is here to help you with all of your mortgage refinancing needs.
LET'S CONNECT
Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!
What are you waiting for? Getting started is easy. We offer very competitive rates, have great service, and always close on time.
We Offer Several Different Loan Programs To Meet Your Needs.
A smart buyer is an informed buyer.
Take the time to learn more about the types of loans we provide by selecting one of the links on the right.
The Edwin Mortgage Team at Edge Home Finance
Start your home loan process here!
The Edwin Mortgage Team at Edge Home Finance is committed to providing clients with the highest quality financial services combined with competitive rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at a competitive rate no matter what your needs are.
Explore our neighborhoods
Browse featured properties in the different neighborhoods in our area.
