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Florida Mortgage Loan Originator · Serving Buyers Statewide

Florida home loans. Straight answers.

I’m Lee Foster, a mortgage loan originator licensed in Florida with 27+ years in the business. Purchase, jumbo, refinance, and investor loans for buyers throughout the state — no runaround.

Apply Now Call 321-689-8402
  • 27+ years in mortgage lending
  • Jumbo & $500K–$1M purchases
  • NMLS #273861
Lee Foster, Mortgage Loan Originator

Lee Foster

Mortgage Loan Originator · NMLS #273861
Edge Home Finance, LLC · NMLS #891464

Daily Market Update

Latest Market Update

My quick read on where the mortgage market is leaning, in plain English.

See past updates

Best Week for Bonds in a Month

Last week started rough, with bonds losing ground Monday and lenders nudging pricing higher. Tuesday and Wednesday were mostly a standoff. Then Thursday a selloff in tech stocks sent investors running to bonds, the 10-year Treasury yield dropped sharply, and mortgage bonds climbed to their best levels in about a month. Friday gave a little of that back, but rates still finished the week clearly better than they started it. This week, watch whether the tech jitters keep up, because that's what has been pushing rates lower.

What it means for buyers: Rates are in better shape than a week ago, but this run depends on stocks staying shaky. If you're under contract and haven't locked, call me and we'll talk timing.

— Lee Foster NMLS #273861

Market commentary is for general informational purposes only and reflects the author’s opinion. It is not a rate quote, loan offer, or commitment to lend. Rates and programs change daily and depend on individual qualifications. Contact me for a personalized quote.

About Lee

27 years in. I know how lenders think.

I’m a second-generation mortgage professional. Before I worked directly with borrowers, I worked in wholesale lending for banks — on the lender’s side of the table. I know what underwriters look for, and I build files with that in mind.

Today I’m a mortgage loan originator with Edge Home Finance, LLC, a mortgage broker, licensed in Florida and serving clients across the state. Most of my clients are referred by Florida real estate agents. Many are buying in the $500K–$1M range, including jumbo and luxury homes.

More about Lee

27+Years in the mortgage business
2nd genMortgage professional
WholesaleFormer bank wholesale lending
OptionsEdge Home Finance, LLC works with multiple lenders
Loan programs

The right loan, not the only loan.

Through Edge Home Finance, LLC, a mortgage broker, I’m not limited to one bank’s products. Here’s what I do.

Conventional

Standard financing that follows Fannie Mae and Freddie Mac guidelines. Primary homes, second homes, and investment property.

Details

FHA

Government-insured. Lower minimum down payment and more flexible credit guidelines. Primary residences only.

Details

VA

For eligible veterans, service members, and some surviving spouses. Low down payment options may be available for eligible veterans, subject to VA guidelines.

Details

Jumbo

For loan amounts above the conforming limit. Built for higher-priced homes.

Details

First-Time Homebuyer

Low-down-payment options and a clear explanation of what you qualify for and what it costs.

Details

Refinance & Cash-Out

Change your rate or term, or turn home equity into cash.

Details

DSCR / Investor

Qualify on the property’s rental income instead of your personal income. Investment property only.

Details

Bank Statement / Self-Employed

Qualify using bank statements instead of tax returns. For business owners and self-employed borrowers.

Details
How it works

Three steps. No mystery.

  1. Apply or call

    Start the secure online application, or call me first if you’d rather talk it through.

  2. Get your options

    I review your income, assets, and credit, then lay out the programs that fit — with the costs.

  3. Close

    Pre-approval, offer, underwriting, closing. I keep you and your agent updated the whole way.

Start Your Application

For real estate agents

Send me your buyers. I’ll keep you in the loop.

Most of my business comes from Florida real estate agents, including agents in the luxury market. Here’s what you can expect.

  • A straight answer on whether your buyer qualifies — before they write the offer.
  • Pre-approvals I’ll back up with a phone call to the listing agent.
  • Updates at each milestone, so you’re not chasing the file.
  • Experience with jumbo loans and $500K–$1M purchases.
Call Lee: 321-689-8402Email Lee
Contact

Talk to Lee directly.

Call, email, or apply. Licensed in Florida, serving clients across the state.

Call321-689-8402Call or text me directly. Emaillee.foster@edgehomefinance.comQuestions, scenarios, or documents. ApplyStart your applicationSecure online application through Edge Home Finance, LLC.
Call Lee Apply Now