Keeping the house after a divorce
Structured a cash-out refinance so one spouse could buy out the other’s equity, take the other off the loan and keep the kids in the same school.
Home kept, clean split
VDA Mortgage Team · Edge Home Finance
Your mortgage.
Your mortgage.
Handled.
I’m Thomas Von Der Ahe. I shop 150+ lenders, walk you through every step and personally guide you from “just curious” to keys in hand. When other lenders say no, I find a way.
Thomas Von Der AheNMLS #2017782
Edge Home Finance CorporationNMLS #891464
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What kind of home is it?
Pick one to see the loans that fit. Not sure? That’s my job. Just book a call.
Primary residence
Buying, refinancing or pulling cash from the home you live in.
Conventional · FHA · VA · Jumbo · HELOC · Keep the Home · Self-employed · All-In-OneSee loan optionsSecond home
A vacation home or second residence you’ll use part of the year.
Conventional · Jumbo · Self-employed · Cash-out · Foreign nationalSee loan optionsInvestment property
Rentals, flips and new builds, qualified on the deal itself.
DSCR · Fix & flip · Ground-up · Bridge · Cash-out on rentalsSee loan options
The white-glove difference
You get me. Start to finish.
No call centers. No handoffs. No “let me check with my processor.” I hold your hand through every document, every decision and every number, and I explain the why behind all of it.
Born and raised in Los Angeles, University of Alabama grad (Roll Tide) and now living in Dallas, so I know how different markets across the country really work. My story
- 150+ lenders, one conversation. I’m a broker, so I shop the market for you instead of selling you one bank’s menu.
- Built for speed. I’ve closed loans in as little as 8–11 days, including files other lenders and builders turned down.
- Straight answers. If a loan doesn’t make sense for you, I’ll tell you, even if that means no loan.
- Creative when it counts. Self-employed, recent bankruptcy, projected income, mixed W-2 and 1099. I’ve done them all.
Live market snapshot
Where rates are right now.
National averages, refreshed automatically from public data. Your actual rate could be higher or lower. That’s what the call is for.
30-year fixed · national avg.
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15-year fixed · national avg.
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One year ago:
10-year Treasury yield
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Mortgage rates tend to follow this number.
Freddie Mac Primary Mortgage Market Survey® averages for the week of , via FRED®. Treasury data from the U.S. Treasury. Averages are not an offer of credit or a rate available from Edge Home Finance, and do not include APR, points or fees. Your rate depends on credit, loan amount, property and other factors.
Real files. Real outcomes.
“Not possible” is where I start.
Every client is different. Here are a few situations I’ve solved recently. Details kept private, of course.
Projected income, new state
A mobile detailing business was moving from California to Georgia. I documented projected income for the new market and got the purchase approved.
Approved before the move
Denied elsewhere. Closed in 8–11 days.
Picked up files that big banks and builder lenders turned down, repackaged them with the right lender and closed them faster than the original timeline.
Closed on time, contract saved
Past results don’t guarantee future outcomes. Every loan depends on the borrower’s full situation and lender approval.
Monthly payment calculator
Know your number in seconds.
Slide, tap, done. Want affordability, refinance, HELOC or DSCR? Open all calculators.
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Rate defaults to this week’s national 30-year average from Freddie Mac. Your rate will differ. Mortgage insurance is a rough estimate when you put down less than 20%.
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Client reviews
Don’t take my word for it.
Real clients, real closings. My newest Google reviews show up here automatically.
★ · 19 Google reviews
Questions people ask me every day
Straight answers.
Why use a mortgage broker instead of a bank?
A bank can only offer its own loans. As a broker with Edge Home Finance, I compare pricing and guidelines from 150+ wholesale lenders at once. That usually means better pricing, more program options and a backup plan if one lender says no. You still get one point of contact: me.
Can I get a mortgage if I’m self-employed?
Yes. Beyond traditional tax-return loans, I offer bank statement loans (12 or 24 months of deposits), 1099-only loans, P&L loans and asset-depletion loans. These qualify you on what you actually earn, not what’s left after write-offs.
Can I keep the house in a divorce?
Often, yes. A cash-out refinance or equity buyout can pay your ex their share and remove them from the loan. Depending on the program, documented support income can help you qualify. I coordinate timing with your attorney and decree so everything lines up.
How fast can you close?
I’ve closed loans in as little as 8–11 days when the borrower’s documents, appraisal and title are ready. A typical purchase closes in about 21–30 days. Fast closings make your offer stronger, especially in competitive markets like Dallas and Orange County.
Does it cost anything to talk to you?
No. Consultations, rate comparisons and pre-approval reviews are free, with no obligation. I’ll show you every cost up front on your Loan Estimate. No hidden fees.
15 minutes. No pressure. No credit pull.
Let’s find your actual rate and payment.
Averages are just a starting point. Your actual rate depends on your credit, property and goals. Book a quick call and I’ll shop 150+ lenders for you.
I post mortgage tips almost every day.
Rate updates, loan strategies and client wins. Follow along. It’s the easiest way to see how I work before we ever talk.
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