Nick Hebert — Edge Home Finance
Nick Hebert handing house keys to a happy family in front of their new home

Home Loans, Made Simple.

From your first home to your next investment, I help buyers, homeowners, and veterans get the right mortgage with honest guidance and fast answers — start to closing.

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Fast pre-approvals Low & zero-down options A real person who answers

The mortgage process shouldn't feel confusing or stressful.

Most buyers are left guessing — unsure how much home they can afford, overwhelmed by paperwork, and stuck waiting on a lender who won't call them back. Self-employed borrowers and investors often hear "no" before anyone really looks at their situation.

I do this differently. You get clear explanations, honest numbers up front, fast responses, and creative loan options built around your situation — not a one-size-fits-all checklist. You'll always know exactly where you stand.

Why buyers choose Nick

Nick Hebert, mortgage loan officer

Know what you can afford — fast.

Get a clear, no-pressure pre-approval so you can shop with confidence.

Options most lenders won't offer.

VA, USDA, DPA, bank-statement, and DSCR loans — so self-employed buyers, veterans, and investors all have a path.

A partner, not a number.

Personal guidance from application to closing, plus perks like a free moving truck and a strong Realtor/vendor network.

What clients are saying

“Amazing from start to finish — A+ communication, well-versed in VA loans, even let us use his moving truck for free. Highly recommend.”

Del Katz Veteran / VA Loan

“10/10. Walks with you through the whole process. Highly recommend to anyone buying a home.”

Sam M.

“Phenomenal and professional. Patient and respectful from the first conversation — goes above and beyond.”

Stephen T.
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Loan programs & services

From first-time buyers to seasoned investors — there's a program built for your situation.

Home Purchase Loans

Conventional, FHA, VA, USDA, Jumbo.

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First-Time Buyer & DPA

Low/no down payment help.

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VA Loans

$0 down for veterans & military.

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Investor (DSCR) Loans

Qualify on the property's income.

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Bank Statement Loans

Built for self-employed borrowers.

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Refinance

Lower your rate, remove PMI, or tap equity.

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Buy Before You Sell

Purchase your next home before selling your current one.

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Which loan fits you?

Answer a few quick questions and I'll point you toward the right program.

What are you looking to do?

Two paths. One decision.

Without the right guide

  • Guessing what you qualify for
  • Missing out on homes
  • Surprise costs at closing
  • Waiting on a lender who goes quiet
  • Getting told "no" when the right loan was available

With Nick in your corner

  • A clear plan and real numbers from day one
  • The loan program that actually fits you
  • Fast answers at every step
  • Keys in your hand — moving truck included
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Frequently asked questions

How much do I need for a down payment?
It depends on the loan program. VA and USDA loans can offer $0 down for eligible borrowers. FHA starts around 3.5%, and conventional loans may require as little as 3% with the right program. Down payment assistance may also be available in Texas and Louisiana.
Can I get a loan if I'm self-employed?
Yes. Bank statement loans let self-employed borrowers, business owners, and 1099 contractors qualify using 12–24 months of bank deposits instead of tax returns. I work with these programs regularly.
Do VA loans really require $0 down?
For eligible veterans and service members, VA loans can be obtained with no down payment and no monthly PMI. You will need a Certificate of Eligibility (COE), which I can help you obtain.
How fast can I get pre-approved?
Many buyers receive a pre-approval within 24–48 hours once I have your basic documents. I prioritize fast turnarounds so you can shop with confidence.
What areas do you serve?
I serve homebuyers and homeowners throughout Texas and Louisiana — from Houston and Dallas to Baton Rouge, New Orleans, and beyond.
Is the free moving truck really free?
Yes — for my closing clients. It is one of the perks I offer to make your move a little easier. Ask me about availability when we connect.

Ready to get started? Let's make your move simple.

Schedule a free consultation or start your application today.

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