Rick Siedschlag - The Mid South Mortgage Broker

Rick Siedschlag

Senior Loan Consultant, EDGE Home Finance

NMLS #1641728

Skip the bank —

Let me shop rates, so you don’t have to.

With Rick, the Mid South Mortgage Broker, home buying and refinancing couldn’t be easier.

As an independent mortgage broker, Rick shops over 150 lenders with one credit pull—so you get the best rate and program available, hands down. More options. Less hassle. One trusted guide from start to close to give you a smarter EDGE in home buying and refinancing.

Why Work with a Broker?

More options tailored to your needs

Faster approvals and transparent communication

No hidden markups or bias towards one bank

Shop smarter, not harder & you win in the end.

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Rick's EDGE: Connecting you to 150+ lenders for the best deal

Get the power of choice with one trusted broker. Rick compares hundreds of loan options across the nation’s top lenders to secure your best rate, terms, and timeline without multiple credit pulls.

Why Brokers are Better

Working with a mortgage broker means you get choice, savings, and advocacy — not just another quote from a single bank. Rick gives you access to the power of competition while guiding you personally through every step of the process.

Lower Rates

Because brokers work with wholesale lenders, they often have access to better pricing than retail banks. Rick negotiates directly on your behalf to secure the most competitive terms available.

Personal Guidance

With Rick, you’re not just a loan number. You’ll work directly with him from application to closing — no call centers, no automated scripts, just honest communication and tailored advice.

Transparency

Brokers are required to disclose how they’re compensated and work fully in your best interest. Rick explains every detail upfront so there are no surprises, no hidden fees, and no fine print.

Speed and Simplicity

Independent brokers use the latest technology and streamlined systems to move your loan faster — often closing in three to four weeks, sometimes even sooner for refinances.

More Options

Banks can only offer their own loan products. As a broker with EDGE Home Finance, Rick shops over 150 lenders at once, comparing rates and programs side-by-side to find your best fit — all with one credit pull.

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The Right Loan for Every Goal

Buy, build, or refinance — every path starts with the right loan. Select a program below to see how much you could save or qualify for.

Conventional

Starting with as little as 5% down.

Exclusive benefits for veterans — including VA Renovation loans. I can find the perfect solution for you!

Veterans can pay O% down and roll the funding fee into the loan!

FHA or USDA

FHA: Perfect for first-time buyers with low down payment options.

USDA: Zero-down financing for homes in eligible rural and suburban areas.

Have a unique need?

Every client’s story is different — and that’s where I thrive. I’ve helped families with low credit, tight timelines, and unique circumstances find real paths to homeownership.

Call me

HELOC & Home Equity Loans

Tap into your home’s value for cash or renovations.

New Construction Loans

Build your dream home with flexible financing options.

And much more!

JUMBO loans, 203K, Adjustable Rate loans, Non-QM loans, Hard Money Loans, Investment, Second homes, Short term rentals, Fix and Flips, Land purchases, Commercial funding, you name it... I have a loan for you!

Helping families fund their dream homes.

EDGE Home Finance is an Equal Housing Lender. We fully comply with Equal Credit Opportunity Act (ECOA) and all other Federal Regulations. All applicants applying for credit from Edge Home Finance will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All the information we request is voluntary and will be kept confidential.

We are currently licensed to operate in 49 states.

150+

Lenders

49 states

Available

12 days

Average Clear to Close time

24/7

Support

I help homeowners find smarter mortgage solutions.

As an independent broker with EDGE Home Finance, I shop over 150 lenders with one credit pull to find the best rate and loan program for your goals.

Whether you’re buying, refinancing, or exploring a VA IRRRL, I make the process clear, simple, and stress-free.

Rick Siedschlag

Senior Loan Consultant, EDGE Home Finance

rick@edgehomefinance.com

Contact

Overview of the Loan Process

Buying or refinancing a home shouldn’t feel complicated. At EDGE Home Finance, we keep the process clear, simple, and efficient — guiding you every step of the way so you always know what’s next.

We start with a short conversation to understand your situation — whether you’re buying, refinancing, or exploring your loan options. We’ll talk about your goals, your timeline, and what matters most to you.

Once you’re ready to move forward, Rick will gather a few key documents (like pay stubs, W-2s, and bank statements) to issue a pre-approval letter or refinance estimate. This gives you an accurate sense of what you can afford and helps strengthen your position when making offers. Broker advantage: Rick can shop over 150 lenders with one credit pull, saving you time and protecting your credit score.

Together, we’ll choose the loan program that fits your goals. Rick will guide you through the application and handle submission to the selected lender. As your broker, he coordinates communication between you, the lender, and the title company — keeping the entire process seamless and stress-free.

The lender’s processing team will verify your information, order an appraisal (if required), and prepare your file for underwriting. Rick monitors the file daily to make sure nothing slips through the cracks and updates you at every milestone. Tip: Be responsive with document requests — this is what keeps timelines on track.

The underwriter reviews all details to confirm you meet the loan’s guidelines. If they need clarification, Rick will walk you through any final documentation requests. Once everything checks out, you’ll receive a “clear to close.” Goal: Satisfy all conditions quickly and ensure the loan moves smoothly to closing.

Before signing, Rick will review your final Closing Disclosure line-by-line so you understand every figure — rate, fees, and terms — with no surprises. Once you sign, the lender funds the loan and you officially close.

Your relationship with Rick doesn’t end at closing. He stays in touch to ensure your mortgage continues to meet your goals and alerts you if rate changes create another opportunity to save. Think of Rick as your lifelong mortgage resource — not just a one-time lender.

Hi, I'm Rick

The Mid South Mortgage Broker, NMLS ID #1641728

I’m Rick Siedschlag. I focus on trust, clarity, and keeping the mortgage process straightforward. Buying or refinancing a home should not feel confusing. My role is to make sure you understand your options and feel confident in every decision. I’ve spent more than 30 years in finance. After seeing how big banks often create complexity and add unnecessary cost, I chose brokerage so I could offer better rates, honest guidance, and a personal experience. Whether you are purchasing, refinancing, or using your home’s equity, I will walk you through the process step by step and stay with you from the first conversation to the closing table. Outside of work, I am a family man first. I have six children, twelve grandchildren, and one great grandson. Time with them is what matters most. I made the Mid South my home to be closer to them. I also enjoy traveling with my wife and cheering for the Minnesota Twins.

Homeownership should feel like a milestone, not a struggle. I am here to help you get there with clarity and peace of mind.

Michael & Dana R.

Collierville, TN

Rick made refinancing simple and stress-free.

“I’d been putting off refinancing because I thought it would be a hassle. Rick made it incredibly easy. He explained every option clearly and found us a better rate than our bank even offered. The whole process was quick and completely transparent.”

Sarah T.

Memphis, TN

A true professional who actually listens.

“Rick didn’t just quote numbers — he listened to what we wanted to achieve and tailored a plan to match. We ended up lowering our payment and cutting years off our loan. You can tell he genuinely cares about his clients.”

James L.

US Navy (Ret.)

A VA refinance we didn't think was possible.

“As a veteran, I’d heard about the VA IRRRL program but wasn’t sure if it would work for us. Rick walked me through every step and handled everything with patience and respect. We closed fast and saved over $300 a month.”

Williams Family

Germantown, TN

Better than working with a big bank.

“We were shocked by how many options Rick found. He shopped over a hundred lenders and got us a lower rate than our credit union. I’ll never go through a single bank again after seeing what a broker can do.”

Angela M.

Bartlett, TN

Honest advice, no pressure.

“Rick was straightforward from day one — no sales pitch, no surprises. He told us when to lock our rate and saved us thousands. It’s refreshing to work with someone who values integrity over commissions.

F. Braun

Hastings, MN

Rick kept us informed every step of the way.

“Communication was outstanding. We always knew what stage we were in and what came next. From the first call to closing, Rick handled everything professionally and personally. We recommend him to everyone we know.”

Our Awards and Affiliations

Our time-tested processes for loan and mortgage administration is second-to-none.

FAQs

Buying or refinancing can feel overwhelming — but it doesn’t have to be. Here are a few common questions Rick gets from homeowners and veterans exploring their mortgage options.

Banks can only offer their own loan products. As a broker, Rick works with over 150 lenders, comparing rates and terms side by side — all with one credit pull. That means more options, better pricing, and advice tailored to your goals, not a bank’s quota.

Rick reviews your financial goals, income, credit, and long-term plans to help you choose between options like conventional, FHA, VA, or jumbo loans. The right fit isn’t just about the rate — it’s about finding the balance between affordability, flexibility, and long-term benefit.

Refinancing starts with a quick savings review to see if a lower rate or shorter term makes sense. Once you decide to move forward, Rick handles the application, lender coordination, and closing — typically in three to four weeks.

It depends on the loan type. Some programs, like VA and USDA loans, require no down payment. FHA loans start around 3.5% down, and conventional loans often begin at 5%. Rick will help you compare programs and estimate closing costs so there are no surprises.

That’s okay — Rick works with a wide range of lenders who specialize in helping clients with varying credit profiles. He’ll help you understand your credit picture and offer tips to improve it before applying if needed.

Most loans close in 21–30 days, depending on how quickly documentation is provided. Rick’s team keeps you informed every step of the way to make sure everything stays on track.

Yes. Many veterans think they can only use their VA loan once, but eligibility can often be restored and reused after selling or paying off a prior VA-financed property. Rick can help you confirm eligibility and guide you through the process.

Closing costs generally range from 2% to 5% of the loan amount, covering fees like appraisal, title, and underwriting. Rick reviews every number upfront so you know exactly what you’ll pay — and what you can potentially roll into your loan.

Simple — transparency and choice. Rick believes in clear communication, honest advice, and giving clients access to the entire lending market — not just one bank’s products.