1099 loans
For independent contractors and freelancers. Eligible programs may use 1099 earnings to evaluate income instead of tax returns.
Explore 1099 loans →TEXARKANA, TEXAS · TX / AR / COThe Lender
The Lender
with more choices
Personal mortgage guidance.
As a loan originator with Edge Home Finance, John Jarvis brings you the mortgage broker advantage: access to well over 100 lenders. Compare loan programs, rates and costs with one local point of contact who helps you find financing suited to your goals.
What are you working on?
I’m buying my first home ↗I’m buying or refinancing ↗My income is complicated ↗1099, bank statement & P&L loansI’m financing an investment ↗Not sure where you fit? Call John and talk it through.
My income is complicated. What are my options?
Your tax returns may not tell the whole story. John can help you explore 1099, bank statement and profit and loss (P&L) loan options through available lenders.
Bank statement loans
For self-employed borrowers. Eligible programs review personal or business bank deposits and account for business expenses to determine qualifying income.
Explore bank statement loans →P&L loans
For business owners. Eligible programs may use a professionally prepared profit and loss statement to evaluate business income.
Explore p&l loans →Documentation, credit, down payment and reserve requirements vary by lender and program. Let’s review your business and your home financing goals.
The mortgage broker advantage.
Banks and retail mortgage lenders generally offer their own mortgage products. Through Edge Home Finance, a licensed mortgage broker, John can compare options across a broad lender network. That means more opportunities to match your income, property and goals with a suitable loan.
Well over 100 lenders
Access a broad lender network through Edge Home Finance, with different loan programs and qualification guidelines.
Explore well over 100 lenders →Compare the full cost
Look at rates, lender fees, mortgage insurance and cash to close to understand how available options fit your plans.
Explore compare the full cost →One local point of contact
Work with John from the first conversation through closing. Based in Texarkana, serving Texas, Arkansas and Colorado.
Explore one local point of contact →One goal. Several possible routes.
Your finances, the property and your plans shape the possibilities.
Conventional
A common choice for purchases and refinances, with eligibility based on the full financial picture.
Explore conventional →FHA
An insured loan option with its own mortgage insurance and property requirements.
Explore fha →VA
For eligible veterans, service members and others, subject to entitlement and lender guidelines.
Explore va →USDA
For eligible households and properties in qualifying areas.
Explore usda →Jumbo
For larger loan amounts with lender-specific documentation and reserve standards.
Explore jumbo →Refinance
Review your current loan, equity, goals and closing costs.
Explore refinance →Investment property
Financing for rental purchases and refinances.
Explore investment property →DSCR
Some investor programs consider rental income relative to a property’s payment.
Explore dscr →Find the question that fits your plans.
Explore practical guides for buying, refinancing, using home equity and financing less typical properties.
A clear next step at every stage.
Talk through goals → review financing paths → gather documentation and get pre-approved → navigate underwriting, appraisal and closing. Your exact steps depend on the loan and property.
A partner for the scenario behind the contract.
When a buyer has variable income, an unusual property or a tight timeline, call John early. He can review available financing paths and keep you informed while protecting the borrower’s private details.
Good questions are welcome.
Ask about credit, self-employment, gift funds, manufactured homes, investment property and more.
Hear from John’s clients.
★★★★★
Aimee Meredith
“We couldn't have asked for a better experience! John Jarvis with Edge Home Financing made the entire home financing process easy and stress-free. He was always available to answer our questions and truly cared about helping us every step of the way. We are so thankful for his hard work and highly recommend him to anyone looking to buy a home. Thank you, John!”
Read complete Google review ↗★★★★★
Andrew P
“John Jarvis made my mortgage and home buying experience completely painless. Extremely knowledgeable, constant communication and personal investment in my satisfaction. He answered any and all questions even on the weekend. I couldn’t be happier!”
Read complete Google review ↗★★★★★
Amy Oliver
“I am so glad I chose to work with John for my first home buying experience. He was always available to answer any questions I had and he made the experience as smooth as possible. Highly recommend!”
Read complete Google review ↗TALK THROUGH YOUR SCENARIO
Start with a conversation.
Tell John what you want to accomplish. He’ll help you sort through the options and next steps.