login my account
get started contact us

We understand that every borrower is different and we are committed to helping you find the right mortgage product for your needs.

EDGEWATER Residential Capital offers a variety of products from the most competitive lenders to meet your individual requirements.  We specialize in Conventional, Jumbo, Super Jumbo, ARMS, VA, Refinance FHA, USDA loans and we offer 100% financing on USDA and VA loans.

We make the process of securing a mortgage simple and straightforward by offering a personal manager and the latest in financial tools that enable you to make sound financial choices.

Please feel free to e-mail or call us regarding any questions you may have. 

Kim Brannon

Senior Loan Officer

EDGEWATER Residential Capital

Phone: 704-662-2362






Before you begin the process of applying for a mortgage, you may want to learn a little more about the different ways of finding a home loan. While some borrowers opt to work with the lenders at their bank or get financing through large mortgage companies, many other borrowers choose to work with mortgage brokers, instead.

What’s the difference between a mortgage broker and a mortgage lender?
A mortgage lender is a financial institution (usually a bank or mortgage company) that issues home loans to qualified borrowers. A mortgage broker is a licensed professional who acts as an intermediary between the borrower and the lender. Working with a mortgage broker is not a requirement; many people choose to work directly with the lender that is providing the loan. However, there are specific benefits to working with a mortgage broker.

What value do mortgage brokers bring to the table?
Put simply, the biggest advantage of working with a mortgage broker is having access to more options

Mortgage brokers focus on what’s best for YOU.
Working with a mortgage broker can provide you with faster access to a wider variety of home loan options, because they partner with several wholesale mortgage lenders. And since they have these partnerships with multiple wholesale lenders, they can focus on finding the best product for your needs, rather than trying to sell specific loans from a single company.

Mortgage brokers can help find solutions to challenging situations.
Working with a mortgage broker is similar to shopping online vs in person. When you shop in person, you’re choices of what to buy are limited to the inventory of each shop you visit. That means if you’re in need of something unique, it can take a lot of time to find what you’re looking for. However, when you shop online, you can simply type in whatever it is you want to buy, and your search engine will provide you with multiple options across numerous web retailers. This can help you uncover hard-to-find products in a much shorter period of time. This is similar to what mortgage brokers can do for hopeful home buyers who may have unusual or difficult circumstances.

How do mortgage brokers help you find the right home loan?
When you work with a mortgage lender, your loan choices will typically be limited to their product offerings. By contrast, if you were working with a mortgage broker, he or she could help you find the loan that best fits your needs from one of the several wholesale mortgage companies with whom they’re partnered. Likewise, if you’re not quite sure what type of loan would be best for your situation, a good mortgage broker can look at your financial qualifications, discuss your homeownership goals and make recommendations based on a wider representation of what is available in today’s marketplace.


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.