Ethos
We create a new standard of service and integrity for Veterans utilizing their VA Home Loan Guarantee.
⚠
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. You get the best rate. I've helped hundreds of homeowners like you find a better mortgage.
Most home buyers don't realize they could be paying less, and settle for a bad mortgage because nobody told them about their opportunities.
Don't get trapped in the wrong mortgage. Give me a call.
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.
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.
Trust but verify
Vetted VA Certified
I hold myself to the Vetted VA standard — a community of professionals committed to protecting the VA Home Loan Guarantee. This is the ethos I answer to on every file.
Mission
To locate, close with, and destroy ignorance with education and authority; and to repel the ignorant assault with consistent, persistent, and predictable citation of sources… without any form of solicitation.
All of this is done to support the Veterans, Active Duty Servicemembers, and their families in successfully utilizing their earned VA Home Loan Benefit.
Vision
The VA Home Loan Guarantee is where we plant our flag 1st because we believe equal access to affordable homeownership opportunity is inherent to each individual and the lowest common denominator for financial success in America.
A status as “Veteran” should not be significant when purchasing or refinancing a home. Discrimination, price gouging, and violation of privacy with trigger leads all seek to harm, remove, or molest the contractually earned benefit of the Veteran in ways that do not benefit them.
Vetted VA seeks to resolve these issues through Community, Collaboration, and Cooperation — a new standard to serve Veterans utilizing their VA Home Loan Guarantee.
VA benefit terms and services are clearly defined; the Veteran’s service purchased these Equal Credit Opportunity Rights through years of service. We ensure their benefits in homeownership are available in the way the commander initially intended.
Honoring service. Protecting benefits. Building futures.
Educate. Empower. Serve.
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.
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.
VA
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.
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.
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.
Connect and Discuss Your Goals
Pre-Approval
Application Submission
Loan Processing
Underwriting
Closing
After Closing
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.
CLIENT REVIEWS
Homeowners who skipped the bank
Real stories from clients I helped buy, refinance and save.
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.”
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.”
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.”
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.”
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.”
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.”
Worked with Rick? Share your experience.
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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.
What’s the difference between a mortgage broker and a bank?
How do I know which loan program is right for me?
What does the refinance process look like?
How much money do I need for a down payment?
What if my credit isn’t perfect?
How long does the mortgage process take?
Can I use my VA loan benefit more than once?
What are closing costs, and how much should I expect?
What makes EDGE Home Finance different?
© 2025. All rights reserved.
Rick Siedschlag NMLS ID# 1641728
9886 Giddings Way #109, Cordova, TN
www.nmlsconsumeraccess.org | Toll Free: (877) 874.3368 | Local: (850) 343.0400