01
Tell me your story.
Your goals, your timeline, and what a comfortable payment looks like. We start with what matters to you.
ST. LOUIS ROOTS. MO & IL REACH.
Home financing,
with a clear plan.
Your next move deserves more than a rate quote. Let’s find the financing that fits your life, your budget, and what comes next.
Sam KarengiYour mortgage loan officer · NMLS #1146087
A place to call your own.
THE NEXT CHAPTER
Built around
your next move.
YOUR GOALS FIRSTYOUR OPTIONS EXPLAINEDYOUR NEXT STEP CLEAR
SAM KARENGIMortgage Loan Officer · NMLS #1146087
THE PERSON BEHIND SAMTHEBROKER
Hi, I’m Sam.
Let’s make this make sense.
I’m a St. Louis–area mortgage loan officer with Edge Home Finance, licensed in Missouri and Illinois. I help buyers, homeowners, and investors understand their financing and make a confident next move.
My approach starts with your goals. Then we look at the numbers together: the payment, the upfront costs, and the tradeoffs. If your situation needs a closer look, I’m happy to dig in.
“A good conversation should leave you clearer about your options and what happens next.”Have a question? Let’s talk
BORROWER EXPERIENCES
In their
own words.
What clients have shared
about working with Sam.
Sam was a pleasure to work with. He was very accommodating to our schedules... Sam made the process easy for us to complete.
Sam was very prompt and professional from beginning to end. He made sure we knew everything... The company he’s with is lucky to have such a wonderful person.
It was a pleasure having Sam Karengi as the contact person for my mortgage. Sam is very professional... I highly recommend Sam.
Sam was great to work with. Very communicative and quick to answer questions... I would recommend him to anyone seeking a loan.
Excerpts from client reviews.
WHAT WORKING TOGETHER LOOKS LIKE
A conversation.
Then a plan.
Clear expectations from the first hello
to the day you get your keys.
02
See the full picture.
Compare the options, monthly payments, and cash to close. Understand the tradeoffs before choosing a direction.
03
Take the next step.
Move into the application and approval process with a clear list of what’s needed and a plan for your timeline.
LET’S LOOK AT THE NUMBERS
What could your
payment look like?
Try a few possibilities.
Then let’s put real options beside them.
YOUR ESTIMATED MONTHLY PAYMENT
$2,552/ month
The whole picture, in one place.
- Principal & interest
- $2,102
- Property taxes
- $300
- Home insurance
- $150
- Mortgage insurance
- $0
- HOA dues
- $0
Estimated loan amount$332,500
Let’s compare real options For planning only, not a rate quote or approval. The rate and cost estimates are examples. Closing costs, program-specific fees, and financed premiums are excluded. Actual payments may differ.
FOR OUR REAL ESTATE COMMUNITY
Another set of eyes.
More possibilities for your buyers.
Have a self-employed buyer, an investment property, or a client who needs to move before selling? Let’s take a closer look at the financing and see what’s possible.
Do I need to know which loan I want?
No. Start with your goal, your timeline, and the payment you’re comfortable with. We can compare the loan options that may fit and talk through the tradeoffs together.
What if I’m self-employed?
Let’s look at how your income is documented and what your business looks like. Depending on your situation, we can explore traditional financing or alternative documentation options. Eligibility and requirements vary by lender.
Can you look at another lender’s quote?
Absolutely. We can compare the rate, points, lender fees, credits, and estimated payment side by side. A Loan Estimate makes it easier to understand how the offers differ.
What should I budget beyond my down payment?
Closing costs, prepaid expenses, and any initial escrow deposits can affect your total cash to close. We’ll look at those alongside your down payment so you have a clearer picture before moving forward.
Will this calculator pull my credit?
No. The calculator runs in your browser and does not pull credit or submit your information. Applying through the separate secure portal is a different step; we can discuss the credit process before you proceed.
YOUR NEXT MOVE STARTS HERE
Let’s talk about
what comes next.
A question, a plan, or a second opinion.
I’m happy to start wherever you are.
READY TO GET STARTED?Let’s put your
Let’s put your
plan in motion.
Start your application through my secure Edge Home Finance portal.
Apply now Opens the secure application in a new tab.