ED PARCAUT.

Ed Parcaut · Mortgage strategist · NMLS #235384

YOUR MORTGAGE.
YOUR BIGGER PICTURE.

A good mortgage conversation starts with your life, your plans, and what you need the home to do for you. Let’s work through the numbers together.

Request your free consultationGet preapproved
VETERAN
TO VETERAN.

For veterans & military families

YOU EARNED THE BENEFIT.
LET’S UNDERSTAND THE OPTIONS.

As a Navy veteran, Ed knows a VA loan is more than another program on a rate sheet. Start with eligibility, your income, your goals, and the home you want to buy.

  • Explore whether a VA-backed loan fits your situation.
  • Review your Certificate of Eligibility and financing needs.
  • Build a purchase or refinance plan around your numbers.
Talk VA loan strategy

VA and lender credit, income, and occupancy requirements apply. Review VA eligibility guidance.

Retirees & homeowners

Put home equity
in the conversation.

Explore whether a reverse mortgage makes sense alongside your retirement plans, housing needs, and other options.

A reverse mortgage is a loan. Interest and fees increase the balance. You must meet the loan’s occupancy, property tax, insurance, and maintenance obligations. Understand the responsibilities.

Discuss reverse mortgages

Entrepreneurs & business owners

Your income may look different.
Let’s look closer.

Business ownership deserves a thoughtful review of how your income is documented and which mortgage options may fit.

Bring your goals and your questions. Ed will help identify the information needed to evaluate a path forward.

Self employed mortgage options

A stronger starting point

BEFORE THE OFFER.
DO THE HOMEWORK.

A fully underwritten pre-approval puts verified information in front of an underwriter early, helping identify conditions before you commit to a home.

01

Define the goal

Review your timeline, comfort with the payment, available funds, and the bigger financial picture.

02

Review the file

Document income, assets, and credit. Pursue a fully underwritten pre-approval where available.

03

Move with a plan

Understand the remaining conditions, property requirements, and next steps before closing.

Pre-approval is not a commitment to lend. Final approval remains subject to lender requirements, property approval, remaining conditions, and changes in your financial circumstances.

Start your applicationExplore free guides

Start with the questions

LET’S CLEAR
A FEW THINGS UP.

Do I need to know which loan I want?+

No. Start with your goals and financial picture. Ed can help you compare the options that may be available to you.

What should I have ready for our first conversation?+

Your approximate purchase budget or refinance goal, timeline, income sources, monthly debts, and available funds are a helpful starting point. Your document list will depend on your situation.

How is fully underwritten pre-approval different?+

An underwriter reviews your documented financial file earlier in the process. It can help surface conditions sooner, but it does not remove the need for property approval or satisfaction of final loan conditions.

Can we talk before I complete the application?+

Absolutely. Request a free 30-minute consultation to discuss where you are, what you want to do, and what comes next.

Building personal wealth through home ownership.

Most people do not save for retirement. For them, the only way to build personal wealth is through home ownership. Therefore, I love my job of helping people finance their home.

Ed Parcaut

Your next chapter

Get clarity before you commit.

A free, 30-minute mortgage consultation. Your questions, your goals, and a practical next step.

Work with Ed