Whether you're looking to make a move in 10 days or 10 months... We can help eliminate stress, surprises, and uncertainty. Buy a Home the easy way with our Shop with Confidence Pre-Approval. We'll create a personalized roadmap that fits your journey and goals.
Buy a House
Start with a comfortable total payment and cash-to-close plan. A preapproval review can help you compare financing before you commit to a property. Include taxes, insurance, association dues and property-specific costs.
Life Happens: College Graduation, New Career, Job Promotion, Relocation, Marriage, New Baby, Growing Family, Investment Property, Empty Nester, Retirement, Divorce, Downsizing, or just want a change…We can help.
Let our financial expertise work to your advantage. We work with over 100 mortgage lenders to get the best mortgage rates & loan programs for you. Check out our Step-By-Step Homebuyer Guide to start your home-buying process.
Smart thinking. Knowledge is power. Learn about the home buying process, and speak with one of our mortgage and real estate professionals to plan ahead and be prepared. Use our free homebuyer resources and mortgage tools.
Want to Estimate Your Monthly Payments?
See the whole buying budget
Before you shop, let’s separate what goes into the purchase from what stays in your account. Here is a simple illustration for a $500,000 home with 5% down.
$25,000
5% of the example purchase price. Eligible down payments vary by loan and borrower.
$10,000
An assumed allowance for lender and settlement charges, prepaids and initial escrow funding. Your actual costs will differ.
$10,000
A separate planning reserve for life after closing. This is not a required reserve amount for every program.
Illustrative cash to close: $35,000
Plus a separate $10,000 cash cushion
Total savings in this example$45,000
Illustration only. Cash to close also depends on your deposit, any eligible credits and the final transaction details. Monthly taxes, home insurance, mortgage insurance, HOA dues and maintenance belong in the ongoing budget. Our team can build the numbers around your situation.
Online or In-Person:
Our 10 minute streamlined home loan application process gives you the tech to make it fast and easy.
We'll help you clearly see differences between different scenarios & loan programs to compare to choose the right one for your goals.
We work with you to run scenarios with you on homes you're considering & agent on offer acceptance, then to final loan approval.
You are Clear to Close.
Attend Closing Day and sign real estate and loan docs. Receive your keys, and move in to your new home!
Estimate Monthly Mortgage Payments for Purchasing a Home, Run Home Affordability Scenarios, Debt-To-Income Ratios, etc.
Paul and his team helped me with a very complicated transaction for a cash out mortgage. I would highly recommend him.
Paul was great. He helped us understand our loan better and put our needs first. I’d strongly recommend his services. Throughout our home buying process, Paul Cederholm demonstrated the highest level of professionalism throughout our home loan process, an amazing ability to explain complex mortgage terms in simple language and a willingness to work evenings and weekends to meet our closing deadline. We got our home purchase loan in Chicago thanks to Paul Cederholm. I would absolutely recommend Paul Cederholm for your home loan because I would recommend Paul. You can trust him and he is very informative. We can't recommend Paul Cederholm enough for your home financing needs.
My overall experience working with Paul was fantastic! All his help made the whole process seem easy. Throughout our home buying process, Paul Cederholm demonstrated a talent for making the mortgage process seamless and stress-free, truly professional lending services that exceeded our expectations and a knack for shopping rates and locking in an amazing deal for us. He is humble and easy-going, which made us feel at ease. I would absolutely recommend Paul Cederholm for your home loan because paul is a truly amazing advisor: el mejor! Without his help, our dream of owning our first home would not have been possible. After our introductory call ended, my husband and I looked at each other and said, "He is the one!" We were absolutely right.
Paul exceeded our expectations by offering excellent advice and answering our questions before we even had to ask them (mind reader!). Paul always had our best interests at heart, and his dedication and passion showed in every conversation. We are thankful to have worked with someone trustworthy and honest; someone who went above and beyond for us.
Thank you, Paul, for taking all of our doubts and worries away.
Thank you for cheering us on!
We absolutely recommend you and your team to anyone looking for the best mortgage advisor. We can't recommend Paul Cederholm enough for your home financing needs.
Exceptional experience with Paul and his team! We knew we wanted to work with Paul not long into our introductory call. He put us at ease as he explained all the details of what it would take to get into our first home. Numbers are scary when it comes to such a large purchase, but he walked us through the documents in a way that was easy to comprehend. He made sure we understood the information and answered all the questions we had before proceeding to the next task. He was always available for a call, through text, and email. Never once did we feel uncomfortable or like we were not being heard and understood. We got the best rate available to us based on our information and also helped us get a rate buy-down! Thank you, Paul and your team, for everything you did. We look forward to working with you again should the time come to refinance or get into a different home. Paul Cederholm brought impressive expertise across mortgage products that helped us find the perfect fit, incredible dedication to finding us the best mortgage rate and a willingness to work evenings and weekends to meet our closing deadline. I'd tell anyone looking for a home loan to call Paul Cederholm — highly recommend Paul and his team as we felt comfortable, understood, and empowered throughout the entire process!. I would highly recommend Paul Cederholm — truly an exceptional mortgage professional.
(Translated by Google) Excellent service from Cederholm.
(Original)
Excelente atendimento de Cederholm.
Working with Paul and his team was an absolute dream! We had a particularly complex transaction, Paul made navigating feel easy and less stressful.
Paul and his team were absolutely amazing! Insanely fast response time to any question I had and amazing explanations throughout the whole process. I can’t imagine using another broker ever again!
If you are looking for a mortgage broker for your next home purchase, I highly recommend Paul Cederholm and his team at Cederholm Mortgage Advisors 🏡.
Paul helped me plan the financing for my new home, and I am so grateful for his guidance throughout the process. At the beginning, I felt nervous because the home buying process can feel very intimidating. With Paul’s care, patience, and expertise, I grew into a confident home buyer by the time we reached closing 🌿.
Paul was always available to answer my questions and explained everything in a clear, supportive, and non-intimidating way. He stayed one step ahead throughout the loan process and helped ensure my loan approval moved along quickly and smoothly.
Paul also has a wonderful team. Their attention to detail and clear communication helped me feel supported and never overwhelmed during the process 🌸.
I truly loved working with Paul. He was wonderful to have by my side during such an important step in my life. If you are looking for a knowledgeable and caring mortgage advisor who will guide you every step of the way, I wholeheartedly recommend Paul Cederholm and his team.
Buying my first house was an exceptional experience because Paul was tremendously helpful, and communicative. I can’t thank him and his team enough and highly recommend!!!
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Recently I had the pleasure of working with Paul and I can confidently say that my experience was nothing short of exceptional.
Trust is a crucial element when it comes to financial decisions, He took the time to understand my unique needs and goals, ensuring that every step of the process was transparent and tailored specifically to me. I never felt rushed or pressured; instead, I felt supported and empowered to make informed choices. Whether it was providing insights into market trends or introducing me to other professionals who could assist with my financial journey, Paul went above and beyond to ensure I had access to the best tools and information available.
I can say that Paul genuinely cares about his clients and strives to build lasting relationships. I can't recommend him enough for anyone looking for a mortgage broker who feels like family, fosters trust, and provides invaluable resources. Thank you, Paul, for making this experience so positive and rewarding!
We started the process in June and closed in November because we were indecisive and Paul was patient, he heard our request and never pushed us to buy until we were comfortable with our purchase. Luckily, he waited on us and we closed on the perfect home. We loved his 24/7 availability for us even on his vacation days. Thanks for an amazing work !
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You and your team were very helpful throughout the entire process! I could always rely on you to help answer questions and be available at all times. I would highly recommend!
Paul was amazing to work with! Unbelievable response times and guided us through every step of the process.
Paul was great to work with - so friendly, understanding and helpful! We felt very cared for throughout the process and he never made us feel like we were bothering him with our questions. He was always upfront and honest and we are so grateful for his help!
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We bought an amazing Condo in the heart of DTC. Paul was very helpful and made us, first home buyers, feel very confident in the process of buying a home. I would highly recommend!
Paul went above and beyond to get all the numbers to work for us. He was available for questions at any time, even at the most unusual times. He consistently would give us updates and let us know that everything was going well or immediately would call us if there are any issues. The whole process went incredibly smoothly and made the home buying process super easy!
Thank you Mr Paul, you were truly amazing and on top of everything! Love your proactive approach in covering all anticipated requests ahead of putting into UW. Your professionalism and high level expertise truly shines thru and I’m so glad we connected through the grapevines. Can’t thank you enough and look forward to doing this again!
My wife and I worked with Paul when purchasing our first and second home. He was recommended to us from a trusted friend so we decided to go with him when trying to find the best loan for us. Going into it, we had no idea what we were doing but Paul was extremely attentive, did a great job explaining the details, and I felt like he always put our needs first. It was a pleasure working with Paul and we will definitely be working with Paul again in the future!
Was a great experience working with Edge to get into our first home. Everything was made easy and clear for us to understand
Paul was excellent! He communicated all of our options and so we can make the best decision possible! He kept us informed the entire time as to where we were in the process so we were able to have a smooth and efficient closing!
Working with Paul and his team was amazing! Paul was straight to the point, gave us guidelines on what to and not to do, made us feel comfortable buying a home, and made it a very simple process. We will forever work with Paul and continue to recommend him to everyone we know!
Paul was absolutely amazing to work with. He kept us in the loop through EVERY step of the home mortgage process. He took the extra time to explain things we didn’t understand, and also had all of our best interests in mind. I truly felt like we were in the best hands possible when it comes to a big financial decision! We can’t thank you enough!!!
Paul was incredible! He made my first-time home buying experience way easier than I had expected. He was incredibly knowledgable and more than willing to explain anything I wasn't sure of. He was super helpful throughout and made the whole process go smoother than I thought was possible.
Paul is amazing! I would highly recommend working with him. He is so responsive and truly cares about each and every client. There are no questions left unanswered when working with Paul and he makes the home buying process easy peasy.
Working with Paul was an incredible experience. I was the listing agent for Sellers and he was the lender for the Buyer. He promised a smooth transaction up from and that’s exactly what we received. He met every deadline, early in fact, and was on the ball with keeping us updated every step of the way. His communication and correspondence was spot on. Thank you, Paul, for such a great experience and a smooth transaction!
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Hands down the easiest financial process I have ever been through. I refinanced my home loan with Paul and his team and I just sat back and relaxed while they did their thing. It was a quick and seamless process. I can’t thank Paul enough for his advice and expertise. Paul’s personal attention and his availability throughout the process always made me feel like I was his only client. Top notch service! I highly recommend Paul and his team.
Great team and service. Answered all of our questions and made sure we understood the refinance process. 10/10 recommend!
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Paul was wonderful to work with during our home-buying experience! He was very professional, personable and patient as we worked thru the various scenarios available to us, and was true to his word when he said it was his number 1 goal to ensure we were left in a better situation than when he'd come to us. Thanks to Paul's efforts and diligence, we got precisely the outcome we were looking for, and couldn't be happier!
I highly recommend Paul and his team. They worked their way and explained each step to me and what was expected of me to be quick and efficient. Thank you for a great experience.
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Paul is a great lender he made the process painless and was very informative. He helped get our credit up and rate down so we could get the best situation for our house purchase.
I recommend Paul for any financing you may need!
Paul has been one of the easiest Lenders to work with. Super honest businessman and extremely knowledgeable. I will continue to do business with him. He is a great and trustworthy lender!
Paul is straight up a rockstar. If you have a deal that a lender said can’t be done, or they don’t know how to fix. Paul has the answers and can get the job done. Very creative when it comes to helping structure his clients Loans and giving the advice to get the deal closed. He is an amazing lender partner.
Paul was extremely helpful with the refinance process. He kept us in the loop during the entire process and when the original plan fell through, he was able to work a new plan that turned out better than the original. Thanks Paul!
Single Family Homes
A yard for the dog. Room for a home office. Space to grow into. A detached single-family home can give you more privacy and control over how you use your home and outdoor space.
You typically own both the house and its lot. Attached single-family homes, such as paired or twin homes, can share a wall, so check the legal ownership and maintenance responsibilities rather than relying on the listing label.
Buying your primary home, a second home or a rental? Financing requirements can differ. Our team can compare the loan options and run the full payment on a home you are considering before you make your offer.
Townhomes
Want your own front door without a large yard to maintain? A townhome may be a good fit. Many offer multiple levels, a garage and shared walls, with an end unit usually sharing fewer walls.
The building style does not tell the whole financing story. A townhome may have fee-simple ownership, be part of a planned unit development, or be legally a condominium. That distinction affects the property review and which loan options fit.
Considering an FHA, USDA or VA loan? Our team can help review the ownership and any applicable condo eligibility requirements with your agent. Bring us the address and HOA dues so we can compare the total payment, not just the listing price.
Condominiums or Condos
Condominiums, or Condos for short, are buildings made up of individual units that are attached. They can look and feel like an apartment building or community. Unlike with an apartment, a condo owner owns the interior space of their unit and is building equity with every mortgage payment. Members hold rights within the Home Owner’s Association (HOA) and are assessed period dues for operational expenses. It is advised to review the HOA docs and financials to make sure there is nothing of concern.
If looking at an FHA loan, USDA loan*, or VA loan it is important your agent makes sure the Condo Community/HOA is approved**.
*USDA typically uses a HUD or VA approval
**Not required for Conventional loans, however a condo questionnaire is usually required to review financial risk.
Manufactured Homes
Manufactured homes are homes built in factories, according to standards set by the U.S. Department of Housing and Urban Development (HUD). They are affixed to a chassis and can be installed in both permanent and temporary locations.
Manufactured homes built before June 15, 1976, are often referred to as “mobile homes” and have looser construction standards than HUD requirements. As such, “Mobile homes” are not classified as “real estate property” and are regulated by the DMV, rather than HUD, and require a loan type called a Chattel Loan.
You can typically get a mortgage on a manufactured home if it meets the following:
1) HUD Tag (or record proof of one)
2) It is permanently affixed to a foundation (not on leased or temporary land) and it has never been relocated
Modular homes (prefabricated) are built in a factory to 80-90% completion and then moved to the build site for final completion and are considered real property like any other on-site home constructionC
Concierge Level Service
You have enough to think about when buying a home. You should not have to chase answers, decode loan jargon or wonder what happens next. We help connect the financing, your agent and the closing details so you can focus on finding your place.
In your pre-approval video conversation, we walk through your payment, cash to close and loan choices together. You leave knowing what fits your budget and what to prepare next.
Found a home you love? Send us the details. We can update the numbers, review financing considerations and coordinate with your agent so your offer is built around a realistic plan.
We explain document requests, keep track of loan conditions and help you prepare for the next step. If something changes, we talk through the options and adjust the strategy with you.
You do not need to have it all figured out.
Tell us where you are in the process. We will help you work out the next move.
Compare home purchase, refinance, equity and specialty financing paths. Start with the guide that fits your goal, then review the borrower and property requirements.
Explore first-lien HELOC financing that pairs home debt with cash-flow account features, compare daily-balance interest, deposits, withdrawals and repayment discipline.
Compare rental purchase and refinancing options, including DSCR and short- or long-term rental considerations.
Plan construction draws, builder coordination and one-time-close or two-close financing.
Review acquisition, renovation funds, short-term repayment and your sale or refinance plan.
Check build timing, access, utilities and the differences between raw land and a prepared homesite.
Explore multifamily, standalone buildings and individual commercial sites with property-specific underwriting.
Questions worth asking
It depends on the loan program, occupancy and your qualifications. A 20% down payment is not required for every purchase. Our team can compare eligible low-down-payment options and explain mortgage insurance, closing costs and reserve needs.
A financing review before you shop helps you understand your budget and prepare an offer. We use a pre-approval video conversation to review options and next steps. Pre-approval remains subject to the property and final loan conditions.
Start with principal and interest, property taxes, home insurance, any mortgage insurance and HOA dues. Then allow for maintenance, utilities and a cash cushion. Our payment calculator can help you explore assumptions.
They may, within the selected program limits and your eligible costs. Seller credits generally cannot replace your required down payment. We can coordinate the financing review with your agent before you write the offer. Try the seller concessions calculator for an illustration.
Start with what you can comfortably afford, how long you expect to stay and your cash reserves. Trying to predict a perfect rate or price can distract from those basics. Our team can compare a buy-now scenario with a wait-and-save plan so you can decide with more context.
*Information, scenarios, and calculations are for educational and illustrative purposes only, not a loan offer, a commitment to lend, a rate quote or an approval. Programs, costs and qualification requirements depend on the borrower, property, selected lender and current guidelines. Examples are not guaranteed results. Our team can review the details for your situation.
Whether you are a first-time homebuyer, a seasoned home buyer, or you prefer to speak with someone to get more information and esearch your options, we are happy to guide you so you can make smarter informed financial moves.
