Oakland County, Michigan · Licensed in 19 states
A straight answer about your mortgage, before you fall in love with a house.
I am Nick Demiro, a Licensed Mortgage Loan Originator with Edge Home Finance, LLC. My job is to look at your actual numbers and tell you what is realistic — then handle the loan so closing day is boring.
Most people call me before they have talked to a single agent. That is the right order. Fifteen minutes now saves you three weekends of looking at homes you were never going to be able to finance.
- Based in Metro Detroit
- Licensed in 19 states
- Purchase, refinance and home equity
- Self-employed files welcome
About me
Hi — I’m Nick.
I am a Licensed Mortgage Loan Originator with Edge Home Finance, LLC, based in Oakland County and working with buyers and homeowners across Metro Detroit — Royal Oak, Birmingham, Troy, Rochester Hills, Novi, Farmington Hills, Ferndale, Berkley, Southfield, Auburn Hills and the communities around them. My NMLS ID is #1316642. The company’s is #891464. You can look both of us up on NMLS Consumer Access, and I would rather you did than take my word for it.
I also hold loan originator licenses in 19 states, which comes up more often than you would think. A job moves someone to Charlotte. Parents retire to Florida and want to buy near the grandkids. Somebody finds a rental in Phoenix that pencils out better than anything here. In most of those cases you do not have to start over with a stranger.
Day to day I handle purchases, refinances and home equity financing: conventional, FHA, VA, USDA, jumbo, new construction, investor loans, bank statement and 1099 loans for self-employed borrowers, and down payment assistance. Edge Home Finance, LLC is a mortgage broker rather than a direct lender, which means your file is not stuck with one company’s product list — it can go out to a number of wholesale lenders and I bring back what they will actually do.
The fastest way to reach me is to call or text (248) 860-3957. You can also email nick.demiro@edgehomefinance.com or put fifteen minutes on my calendar. I am at my desk Monday through Friday, 8:30 a.m. to 6:00 p.m. Eastern, and Saturday mornings. Outside those hours, leave a message and I will call you back.
One thing you will not find anywhere on this site: rates. What you would actually be offered depends on your credit, the property, the loan size and the day you lock, so a number posted here would be a number for somebody else. Ask me for a personalized quote and you will get a real one.
PLACEHOLDER — Nick’s story
Two or three short paragraphs in Nick’s own voice belong here: how he got into lending and what he did before, roughly how long he has been doing this, the kind of borrower he works with most, and something human — where he lives, what he does on a Saturday.
This is the highest-value thing still missing from the site. Nothing has been invented in its place.
The essentials
- Nick Demiro, Licensed Mortgage Loan Originator
- NMLS #1316642 · Edge Home Finance, LLC, NMLS #891464
- Based in Oakland County, Michigan
- Licensed in 19 states — see the list
- Purchase, refinance and home equity financing
- (248) 860-3957 · call or text
How this works
Five steps, and you always know which one you are on
Nobody enjoys the part where they have no idea what is happening with their loan. Here is the whole process up front.
We talk before you shop
Fifteen minutes on the phone, usually. You tell me what you're trying to do and what you're nervous about. I tell you what the file will look like to an underwriter and what we'd need to fix first. No application, no credit pull, no obligation.
You send documents once
Pay stubs, W-2s or returns, bank statements, ID. I'd rather collect it all at the start than nickel-and-dime you for one more PDF every week. Everything moves through a secure portal.
Edge Home Finance, LLC shops the file
Edge Home Finance, LLC is a mortgage broker, not a direct lender, so your file can go out to a number of wholesale lenders instead of one. I bring back what they'll actually do with your specific income, credit and property, and explain the trade-offs in plain English.
You get a real pre-approval
Not a pre-qualification letter generated in thirty seconds. Income and assets reviewed, credit pulled, the file run through automated underwriting. Listing agents can tell the difference, and in a competitive offer that matters.
We close, and I stay reachable
Weekly updates while you're under contract, and a phone I actually answer. After closing you keep my number — most of my work comes from people calling back years later.
Loan programs
Financing for most situations, including the complicated ones
Because Edge Home Finance, LLC is a mortgage broker rather than a direct lender, your file is not limited to one company’s product menu. Here is what I work with most.
Conventional loans
The most common path for buyers with steady income and reasonable credit. Flexible on property type, and mortgage insurance comes off once you have enough equity.
FHA loans
Insured by the Federal Housing Administration. Built for buyers whose credit history has a few rough patches or who have less saved up.
VA loans
For eligible Veterans, active-duty service members, and surviving spouses. No mortgage insurance, and the down-payment requirement is unusually forgiving.
USDA loans
For homes in eligible rural and outer-suburban areas. More of Michigan qualifies than people expect — Lapeer, Livingston and St. Clair counties all have eligible pockets.
Jumbo loans
For purchase prices above the conforming limit in your county. Documentation is heavier and reserve requirements are real, so we start these early.
New construction financing
Buying from a builder works on a different clock than buying a resale. I coordinate with the builder's timeline so your lock and your certificate of occupancy line up.
DSCR investor loans
Qualifying is based on the rent the property brings in rather than your personal tax returns. Useful when your write-offs make traditional qualifying awkward.
Bank statement & 1099 loans
For self-employed borrowers whose tax returns understate what they actually earn. Deposits or 1099 totals stand in for adjusted gross income.
Refinancing
Change the term, drop mortgage insurance, consolidate debt, or take cash out. Every one of those is a different question with a different answer.
HELOC & home equity
Borrow against equity without touching the first mortgage you already have. Handy for renovations, tuition, or a bridge between two homes.
Down payment assistance
Michigan and several other states run programs that help with the up-front cash. Eligibility rules are strict and change often, so ask before you assume.
Moving out of state?
Nineteen licenses means you do not have to start over with a stranger
Relocation is where most people get handed off. You have a lender you trust in Michigan, you take a job in Charlotte or Phoenix or Nashville, and suddenly you are filling out a form for someone whose name you read off a website.
I hold active loan originator licenses in Alabama, Alaska, Arizona, California, Colorado, Florida, Illinois, Indiana, Louisiana, Michigan, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin. If your move lands in any of those, we keep working the same way we always have.
It also matters for second homes, for investment property in a warmer state, and for parents buying near a kid’s college.
One thing to know about New York
Edge Home Finance, LLC is licensed in all U.S. states and the District of Columbia except New York, and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.
If your move is to New York, tell me anyway — I would rather point you to someone who can help than leave you guessing.
Recognition
Edge Home Finance, LLC awards and accreditations
These are company recognitions earned by Edge Home Finance, LLC. They are shown as issued, without additional claims.
A fourth Edge badge was supplied but is held back pending Compliance review — its artwork carries a national ranking claim. See the delivery notes. Delete this box, or swap in the badge once approved.
Reviews
What clients say
Nick made the entire process so easy for me as a first-time home buyer. His communication with me was excellent, usually replying to an email within an hour. He was very friendly and patient with me as I navigated through the process.
Nick did an excellent job on the financing for the purchase of our new home. He is a great person to work with, providing options, thorough explanations, great communication, and professionalism through the entire process. We highly recommend him!
Get started
Tell me what you are working on
You do not need documents ready. You do not need to know what program you want. A sentence about your situation is enough to get a useful answer back.
If you would rather talk it through, call or text (248) 860-3957, or grab a time on my calendar.
Not ready to talk to anyone yet? The calculators let you run your own numbers privately, and the learning section covers the questions people ask me most.
Send me a note
I read every one of these myself. Expect a reply the same business day.