VA loans
Purchase and refinance guidance for eligible veterans, service members and surviving spouses—with the benefit explained, not assumed.
Texas mortgage guidance
Know your numbers.
Own your next move.
A mortgage should feel like a clear plan—not a guessing game. I’ll help you understand your options, your comfortable payment, and the steps between where you are and home.
Application allows an initial soft credit inquiry. No obligation to proceed.
Melissa WilsonMortgage Loan Officer • NMLS 1976303
VETVetted
Earned
Trusted
Earned
Trusted
170+lender relationships
8.6 dayscompany-reported average clear to close*
TexasMelissa’s licensed service area
49 states + DCEdge company footprint, excluding NY
Meet your mortgage guide
Real answers from someone who treats your move like it matters.
I’m Melissa Wilson, a Texas-licensed mortgage loan officer in Abilene with five years of experience helping people make sense of home financing. As a mortgage broker with Edge Home Finance, LLC, I can compare programs across a broad lender network instead of trying to fit every borrower into one narrow box.
I’m especially passionate about serving veterans, self-employed and 1099 borrowers, first-time buyers, and families who want honest guidance before they shop for a home. I’m also a wife, mom, mother-in-law and pastor’s wife who loves the outdoors—so I understand that a house is never just a transaction. It’s where life happens.
“You are not supposed to know everything about mortgages. That’s my job. My job is to explain the answers in plain English.”
NMLS 1976303Texas licensed
Mortgage options built around real life
Your story determines the strategy.
Income, goals, credit, property and timing all matter. We’ll look at the full picture before choosing a loan.
Self-employed
Thoughtful income analysis for business owners, 1099 professionals, contractors and entrepreneurs, including bank statement options.
First-time buyers
Plain-English help with FHA, conventional, USDA and eligible down-payment-assistance possibilities.
Investors
Financing conversations for rental properties, DSCR scenarios and qualifying investment opportunities.
Move-up & jumbo
Structured comparisons for larger loan amounts, changing households and buyers with layered assets or income.
Refinance & equity
Rate-and-term, cash-out, streamline and HELOC reviews based on the reason behind the refinance—not a sales pitch.
Programs are subject to borrower and property eligibility, underwriting approval, and availability. This is not a commitment to lend.
Your homebuyer game plan
Five clear steps. No mystery in the middle.
- 01
Discovery call
We start with your goals, timing, questions and what a comfortable monthly payment looks like for you.
- 02
Secure application
Tell me about your income, assets and debts. The application allows an initial soft credit inquiry.
- 03
Full financial analysis
I review the real numbers, compare fitting programs and identify anything we should strengthen before you shop.
- 04
Zoom strategy meeting
We walk through the options together so you understand the payment, cash to close and tradeoffs.
- 05
Back to your agent
When the plan is ready, I reconnect with your real estate agent so the home search can move forward with clarity.
Ready when you are
Let’s turn “maybe someday” into a plan.
V • E • T
Vetted. Earned. Trusted.
Not a slogan to hide behind—a standard for how your mortgage should be handled.
Vetted options
Programs are compared against your real financial picture—not chosen because they are familiar or easy.
Earned confidence
You see the payment, cash to close, structure and tradeoffs before you are asked to make a decision.
Trusted guidance
Clear communication, transparent fee conversations and no manufactured urgency.
Google reviews
Homebuyers say it best.
★★★★★
“Answered every question quickly and clearly.”
★★★★★
“Very professional and knowledgeable.”
★★★★★
“So patient with us.”
Rating verified September 15, 2026. Google ratings and review counts may change.
Mortgage education in plain English
Watch before you make your next move.
Featured video
Before You Pay Off Debt to Buy a House—Watch This
Paying off debt can help, but paying the wrong account first may not improve your mortgage options the way you expect. Start with the numbers, then build the strategy.
See all videos on YouTubeQuestions are welcome here
Start informed, not intimidated.
There are no silly mortgage questions. These are some of the first ones I hear.
Ask MelissaCan I start before I know whether I qualify?
Yes. You do not need to diagnose your own eligibility. We can review where you are, what may be possible now, and what next step would be most useful.
Does the application affect my credit?
The secure application allows an initial soft credit inquiry. If a hard inquiry becomes necessary, separate authorization may be required.
Can you help if I’m self-employed or paid on a 1099?
Yes. I review how your income is documented and compare fitting options, which may include conventional or bank statement programs depending on your qualifications.
Do I need 20% down?
Not necessarily. Down-payment requirements vary by loan type, property and borrower qualifications. We will compare both the upfront cash and the long-term payment—not just one number.
Can you help outside Texas?
I am individually licensed in Texas. Edge Home Finance, LLC has a 49-state and District of Columbia footprint, excluding New York. If your property is outside Texas, I can help connect you with an Edge originator who is properly licensed there.
Your numbers. Your plan. Your next move.
You may be closer than you think.
Complete the secure application for a full review, or schedule a 30-minute clarity conversation if you would rather talk first.