Terms of Use

Information on this website — articles, videos, downloadable resources, calculators, FAQs, and form responses — is provided for general educational purposes only. Mortgage rules, program guidelines, and underwriting standards change over time and vary by borrower scenario. Nothing on this site should be relied on as financial, tax, or legal advice.

Nothing on this website — including any rate examples, payment illustrations, scenario walkthroughs, or conversations initiated through site forms — constitutes:

• An approval of a loan
• A rate quote or rate lock
• A commitment to lend
• A guarantee of approval, payment, closing timeline, or final loan terms

Loan options described on this site are subject to borrower qualification, program guidelines, lender overlays, underwriting review, appraisal, and property eligibility. Final loan terms can only be determined through a complete application reviewed by the lender.

Browsing this website, submitting a contact form, or sending a question does not by itself create a borrower–lender relationship, a loan application, or any obligation on either side. A formal application must go through the official Edge Home Finance application:

Official Edge Home Finance application — tagged to Gherrel Pinkham (NMLS #2811216)

When you submit any information through a website form, you agree to provide accurate information. Inaccurate or incomplete information may delay or prevent useful follow-up and is not a basis for any commitment.

You agree not to:

• Use the site or its forms to harass, defraud, or impersonate anyone.
• Submit malicious code, scrape the site at scale, or attempt to disrupt service.
• Use site content for any purpose that violates applicable laws or regulations.

This website may link to third-party websites, including Edge Home Finance, NMLS Consumer Access, OptOutPrescreen.com, and others. We provide these links for convenience. We do not control and are not responsible for the content, accuracy, or practices of third-party sites. Use of those sites is governed by their own terms and policies.

Content on this site — including written content, photography, branding, and graphics — is owned by Gherrel Pinkham (GP Mortgage Advisor) or used with permission. You may share links to pages and reference content with attribution. Republishing or commercially reusing site content without written permission is not allowed.

The website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, GP Mortgage Advisor and Edge Home Finance, LLC disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the site will be uninterrupted, error-free, or free of harmful components.

To the fullest extent permitted by law, GP Mortgage Advisor and Edge Home Finance, LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of the website or reliance on its content. Mortgage decisions should be based on a complete application review with the lender, not on this website alone.

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles.

We may update these Terms from time to time. The "Last updated" date at the top of the page reflects the most recent change. Continuing to use the site after changes means you accept the updated Terms.

Reach out by the contact page, by phone at (727) 498-4546, or by email at gherrel.pinkham@edgehomefinance.com.

This page is plain-English information, not legal advice. For specific legal questions, consult a qualified attorney.