Powered by Edge Home Finance, LLCA better plan
for your
next home.
Your future home. Your next chapter.
A home loan that fits.
Mortgage guidance from a local broker serving buyers throughout Virginia and North Carolina.
Serving Virginia & North Carolina
*Network size supplied by Sam. Available lenders and products vary by borrower, state and scenario.
Different buyers.
Different paths home.
VA loans
A benefit worth understanding.
Explore VA loansConventional loans
Make your next home work for you.
Explore conventional loansRefinancing
Review conventional, FHA and VA refinance paths.
Explore refinance optionsFHA loans
Another path to homeownership.
Explore FHA loansAlternative financing options
Bank statement, DSCR, down payment programs and other alternative options.
Explore alternative financing optionsLet lenders compete
for your business.
You don’t have to settle for one lender’s menu.
As a mortgage broker powered by Edge, Sam shops participating lenders to find competitive available rates and help limit unnecessary fees. We compare the full picture: rate, points, lender charges and cash to close.
Clear fees, explained upfront. You deserve an explanation of every charge. Legitimate lender, broker and third-party costs may apply and will be disclosed in your Loan Estimate. Each buyer may qualify for different rates and programs based on their financial profile, property and loan scenario.
See how we work togetherKnow your payment.
Before you fall in love
with the house.
Explore an estimate, then let’s refine it for a specific property with current tax information, insurance and your financing details.
Calculate a paymentCan the seller help
with closing costs?
VA, FHA and conventional rules differ. Know the limits before writing your offer.
Read the seller contribution limits guideSource-checked October 2, 2026From the first call
to the closing table.
First, a real conversation.
We’ll talk through your goals, timing, budget and current home situation. Email or text to schedule your initial call.
Application + financial analysis.
Complete the application through Edge’s secure website. Ask Sam about starting with a soft credit check, with your authorization; a hard inquiry may be required later. We’ll review income, assets, debts and loan options.
A plan you can see.
Review scenarios together by phone or video. We compare rates, fees and cash needed to close, and build property-specific payment estimates using the latest available local tax records. Future assessments, insurance and other costs can change.
Your agent, back in the loop.
We connect back with your real estate agent so your search, offer and financing strategy work together.
From contract to closing.
We coordinate underwriting, appraisal and outstanding documents, keeping you and your agent informed through underwriting and closing.
Wherever you are
in Virginia or North Carolina.
Sam works with buyers throughout Virginia and North Carolina, with a focus on Chesapeake, Virginia Beach, Norfolk, Portsmouth, Hampton, Richmond, and Northern Virginia.
Meet the person behind your mortgageA few things you may be wondering.
Do you work with VA buyers in Hampton Roads?
Yes. Sam works with eligible VA buyers in all of Virginia and North Carolina. Eligibility and loan approval must be confirmed.
Can you help me buy my next home with a conventional loan?
Yes. We can compare financing scenarios and discuss how your existing home, equity, down payment and purchase timing fit together.
How do I schedule a call?
Email sam.hill@edgehomefinance.com or text 757-754-0326. Share your preferred time and whether you would like a phone or video meeting.
Your next move starts
with a conversation.
Email or text Sam to schedule a call. Include a convenient time and whether you prefer a phone or video meeting.