Steve Tomaselli | NMLS 358920

New Braunfels & Texas Hill Country

Texas Families Are Saving Thousands.
Find Out What You Qualify For.

Your trusted mortgage broker since 1994. With 33 years of experience and access to 100+ lenders competing for your business, I deliver clear answers, no pressure, and the best rate available โ€” not the best rate one bank offers.

  • Zero-Down VA Loans
  • 3% Down Conventional
  • DSCR Investor Loans
  • Same-Day Pre-Approval
  • Licensed TX ยท FL ยท MA
๐Ÿ† #1 VA Broker โ€” Edge Home Finance
โญ 5-Star Reviews on Google
๐Ÿฆ 100+ Lenders Competing for You
โšก Same-Day Pre-Approval Letters

What Are You Trying to Accomplish?

Tell me your goal and I'll show you the path โ€” with the right loan, the right lender, and no pressure.

๐Ÿค Down Payment Help ๐Ÿ“ Relocating to Texas? ๐Ÿงฎ VA Calculator ๐Ÿ  Rent vs. Buy
Home Purchase

Stop Renting. Start Building Wealth in Texas.

Buying a home is the single biggest financial decision most people make. You deserve an expert in your corner โ€” not a call center. I'll compare rates across 100+ lenders and walk you through every step so closing day feels like a celebration, not a surprise.

  • You'll know your real budget before you start shopping โ€” no heartbreak later
  • FHA from 3.5% down, Conventional from 3%, USDA zero-down in eligible areas
  • Same-day pre-approval letter to make your offer competitive
  • I stay reachable from first call through closing โ€” no hand-offs to junior processors
3%
Minimum down โ€” Conventional loan
100+
Lenders competing for your rate
<24h
Average pre-approval turnaround
$0
Cost to get pre-approved
๐Ÿ† #1 VA Broker โ€” Edge Home Finance

You Earned This Benefit. Let's Put It to Work.

The VA loan is one of the most powerful home-buying tools in existence โ€” zero down, no PMI, and competitive rates. Yet too many veterans leave it on the table or settle for a lender who doesn't specialize in it. Edge Home Finance is the #1 VA broker in America. This is what we do.

  • $0 down payment โ€” keep your savings working for you
  • No private mortgage insurance, ever โ€” saving you hundreds per month
  • Flexible credit guidelines built for veterans' financial realities
  • Already have a VA loan? IRRRL streamline refi can lower your rate with minimal paperwork
$0
Down payment required
$0
Private mortgage insurance
#1
VA broker in the U.S. โ€” Edge Home Finance
IRRRL
Streamline refi โ€” minimal docs, faster close
Refinance Analysis

Closed 2020โ€“2023? There May Be Real Money on the Table.

Rates moved dramatically in the last few years. Even a half-point drop on a $350,000 loan saves over $100/month โ€” that's real money. I'll run a no-cost break-even analysis so you'll know in minutes whether refinancing makes sense, with zero pressure either way.

  • Lower your rate and cut your monthly payment without restarting the clock
  • Cash-out refinance to tap your equity โ€” Texas 50(a)(6) specialists
  • Free break-even calculator shows you the exact month you come out ahead
  • No-cost analysis, no sales pitch โ€” just honest numbers
ยฝ%
Rate drop on $350K = $100+/mo saved
$0
Cost to get a refi analysis from me
50(a)(6)
Texas cash-out specialists
100+
Lenders compared for your refi
DSCR / Investor Loans

Qualify on Rental Income. Not Your W-2.

Traditional lenders make investment properties harder than they need to be. DSCR loans change that โ€” you qualify based on the property's rental income, not your personal tax returns. Perfect for Hill Country short-term rentals, Airbnbs, and buy-and-hold portfolios.

  • No personal income verification or W-2s required
  • Qualify based on projected or actual rent โ€” ideal for Airbnb properties
  • Scale your portfolio without hitting DTI walls on your personal returns
  • Hill Country, San Antonio corridor, and Central Texas market expertise
DSCR
Debt Service Coverage Ratio lending
No W-2
Qualify on rental income only
STR
Short-term rental / Airbnb eligible
33yrs
Investment property lending experience