Enoch Kim · NMLS #963641  |  Edge Home Finance, LLC · NMLS #891464  |  NMLS Consumer Access  |  Licensed VA · NJ · DE ⊏⊐ Equal Housing Opportunity
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NMLS #891464 · Equal Housing Opportunity
EK Mortgage
Enoch Kim
Senior Mortgage Advisor · NMLS #963641
📞 301-830-3366 Apply Now
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Tell me about your situation — I'll reach out personally.

🤝

No call centers. No lead sharing. No inbox full of strangers. I am your point of contact — and your info stays with our team. Period.

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No automated emails. No call center. Just me, Enoch. I'll be in touch directly.

— Enoch Kim · NMLS #963641

Loan Programs

Every Borrower Is Different.
Every Loan Should Be Too.

With 150+ lending partners and a full suite of programs, we find the loan that fits you — not the other way around.

Buying or Refinancing Your Home

Whether you have 3% down or 20%, there's a program built for your situation.

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Most Popular

Conventional

Flexible terms, competitive rates for borrowers with solid credit. No upfront mortgage insurance with 20% down.

Minimum Down Payment
3% DownFirst-Time Buyers
5% DownStandard
20% DownNo PMI
All loans subject to credit approval. PMI required if less than 20% down.
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Low Down Payment

FHA

Backed by the Federal Housing Administration. Designed for buyers with lower credit scores or limited savings.

Minimum Down Payment
3.5% Down580+ Credit Score
10% Down500–579 Credit
FHA loans are insured by the Federal Housing Administration. Borrower qualifications apply.
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Military Benefit

VA Loan

An earned benefit for veterans, active duty, and eligible surviving spouses. Serving those who served is an honor.

Minimum Down Payment
0% DownNo PMI Required
VA benefits provided by the U.S. Dept. of Veterans Affairs. Eligibility required.
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Rural & Suburban

USDA

For buyers in eligible rural and suburban areas. Often overlooked — can be a game changer for the right borrower.

Minimum Down Payment
0% DownEligible Areas Only
Subject to geographic and income eligibility. Additional restrictions may apply.
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Home Improvement

Renovation (FHA 203k)

Purchase and renovate with a single loan. From cosmetic updates to full gut renovations.

Minimum Down Payment
3.5% DownFHA 203k
5% DownConventional Reno
All loans subject to credit approval.
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Tap Your Equity

HELOC & HELOAN

Already own a home? Access your equity for renovations, debt consolidation, or major expenses.

Equity Required
15–20%Home Equity
Subject to credit approval, appraisal, and available equity.

Built for Complex Situations

Self-employed, investor, builder, or land buyer — there's a path for every situation.

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All 50 States

DSCR — Investor Loans

Qualify on the income the property generates — not your personal income or tax returns. Keep your portfolio growing.

Minimum Down Payment
20–25% DownTypical Range
All loans subject to credit approval and property eligibility.
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Self-Employed

Bank Statement Loans

We use 12–24 months of deposits to qualify you instead of tax returns. Perfect for entrepreneurs and business owners.

Minimum Down Payment
10% DownVaries by Program
20% DownBest Rates
All loans subject to credit approval and underwriting.
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Short-Term

Fix & Flip

Short-term financing to purchase and renovate investment properties. Move fast, add value, close.

Minimum Down Payment
10–15% DownTypical Range
All loans subject to credit approval and property eligibility.
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Build Your Dream

Construction Loans

Combines construction financing and permanent mortgage into a single closing. No double fees, no double paperwork.

Minimum Down Payment
5% DownFHA Construction
10–20% DownConventional
Subject to credit approval, plans approval, and builder eligibility.
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Land Purchase

Land Loans

Finance the purchase of raw land or an improved lot before you build. Gives you time to plan without losing the property.

Minimum Down Payment
20–30% DownRaw Land
15–20% DownImproved Lot
Requirements vary by land type, location, and intended use. Contact Enoch for a personalized assessment.
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Income Property

Commercial Loans

From small mixed-use properties to larger commercial acquisitions. Every deal is different — let's talk about yours.

Minimum Down Payment
20–30% DownTypical Range
All loans subject to credit approval and property eligibility.

We Specialize in the Moments That Matter Most

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Military Relocations

PCS orders don't wait for perfect timing. With VA loan expertise and nationwide reach, we move as fast as the military needs you to.

VA Loans: 0% Down · No PMI
VA benefits provided by the U.S. Department of Veterans Affairs, not the lender. Eligibility required.
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First-Time Homebuyers

We'll walk you through every step and make sure you feel confident at the closing table. No question is too small. Down payment assistance available in VA, NJ, and DE.

FHA: 3.5% Down  ·  Conventional: 3% Down  ·  VA/USDA: 0% Down
Down payment assistance subject to eligibility and availability. All loans subject to credit approval.

Programs You Might Not Know Exist

These programs are underused — either because people don't know about them, or they've been told they don't qualify. Let's find out.

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Down Payment Help

Down Payment Assistance (DPA)

Many buyers don't realize there are state, county, and local programs that can cover part or all of your down payment as a grant or forgivable loan. We have access to programs in Virginia, New Jersey, and Delaware that most lenders never mention.

How Much Help Is Available?
Up to 5% DownVaries by program & location
Grant or ForgivableMay not need to be repaid
DPA programs are subject to eligibility, income limits, and availability. Programs change frequently — ask Enoch for current options in your area.
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Advanced Strategy

All-in-One Loan

Your home works like a line of credit. Your paycheck deposits directly into the loan — every dollar reduces your principal balance daily, slashing the interest you owe. You still have full access to your equity like a checking account. The result: you could pay off a 30-year mortgage in 15–18 years without changing your lifestyle.

How It Works
Daily InterestCalculated on daily balance
Full AccessWithdraw equity anytime
Pay Off FasterWithout higher payments
The All-in-One Loan is a non-traditional mortgage product. Not available from all lenders. Contact Enoch to discuss whether this strategy is right for your situation.
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Medical Professionals

Doctor Loans

Designed for physicians, dentists, residents, and fellows who carry significant medical student loan debt. The program excludes student loans from DTI calculations — which means your debt load doesn't block you from qualifying for the home you've earned. Available to MDs, DOs, DMDs, DDSs, PhDs in medicine, and more.

Key Advantages
Student Loans ExcludedFrom DTI calculation
Low/No DownVaries by program
No PMIMost programs
Doctor loan programs vary by lender and state. Eligibility based on profession, degree, and employment status. Contact Enoch for current program details.

Not Sure Which Loan Is Right for You?

That's exactly what I'm here for. Let's talk through your situation and find the right fit.

📋 Start Application Talk to Enoch
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