Conventional loans
Flexible financing for qualified buyers, with options for a range of down payments and property types.
Washington home financing, made personal
A clear path home starts with a real conversation.
Thoughtful mortgage guidance for homebuyers, homeowners and Realtor partners across Tacoma, the South Sound and Washington State.
Application begins with a soft credit check. Completing an application does not obligate you to proceed.
Personal guidanceAnswers in plain language
More loan choicesAccess to multiple wholesale lenders
Local perspectiveServing Washington communities
49-state team reachEvery state except New York
About Kelli
Mortgage support that feels personal—not transactional.
I’m Kelli Stroeve, a Washington-licensed Loan Officer with Edge Home Finance. I help buyers and homeowners understand their options, prepare with confidence and make financing decisions that fit the life they’re actually building.
Before becoming a Loan Officer, I spent years leading teams and supporting mortgage operations. That experience shaped how I work today: communicate clearly, anticipate the details and make a complicated process feel manageable.
On a personal note, I’m a wife, a mom of two boys and a proud dog mom to our rescue, Remy. My family and I call Northeast Tacoma home, so helping people build their lives through homeownership feels especially meaningful to me.
Kelli Stroeve
I am licensed in Washington. Through my Edge Home Finance team, we can assist borrowers in every state except New York. Licensing and program availability vary by state.
Explore your options
Financing built around your goals.
Every borrower’s situation is different. We’ll review the details together and identify programs worth considering.
FHA loans
Government-insured financing that may offer approachable down-payment and credit requirements.
VA loans
Powerful benefits for eligible service members, veterans and surviving spouses, often with no down payment.
First-time buyer options
Guidance on low-down-payment programs and available assistance options for eligible Washington buyers.
Jumbo & specialty
Solutions for higher loan amounts, investment properties and scenarios that need a more tailored approach.
Refinance options
Review your current mortgage, goals and equity to see whether a refinance strategy makes sense.
Program availability, eligibility, rates, terms and conditions are subject to change and borrower qualification. This is not a commitment to lend.
First-time homebuyers
You don’t need to know everything before you begin.
Start with your questions. We’ll talk through budget, credit, cash needed, loan choices and what to expect before you shop—without pressure to rush.
- Understand a comfortable monthly payment
- Compare eligible loan and down-payment options
- Build a clear plan before making an offer
“My job is to help you understand the numbers, the process and your options—so your decision feels like yours.”
— Kelli StroeveYour path forward
Four thoughtful steps. No mystery.
- 01
Discovery call
We start with your goals, timeline, questions and what a comfortable home payment looks like for you.
- 02
Application & financial review
Complete a secure application, beginning with a soft credit check, so we can complete a full financial analysis and review suitable options.
- 03
Zoom strategy meeting
We meet face-to-face to walk through the numbers, compare scenarios and answer every question.
- 04
Reconnect with your agent
Once you have a clear financing plan, I coordinate with your real estate agent so your team is aligned as you shop.
For real estate professionals
A lending partner who helps you protect the relationship.
Your clients deserve clear communication and a calm, coordinated experience. I work to keep borrowers informed, agents updated and details moving from first conversation through closing.
Collaborative preapproval strategyResponsive communicationCo-branded educationClient-first follow-through
Let’s connectFrequently asked questions
Good questions are always welcome.
Will applying affect my credit?
The initial application can begin with a soft credit check, which generally does not affect your credit score. If a hard credit inquiry becomes necessary, we’ll discuss that step with you.
How much do I need for a down payment?
It depends on the loan program, property and your qualifications. Some eligible programs allow low or no down payment, while others may benefit from more money down. We’ll compare the full picture—not just one percentage.
Should I talk to a lender or a Realtor first?
Either can be a good starting point, but a financing conversation before serious home shopping helps you understand your budget and prepares your agent to write a stronger, well-informed offer.
Does preapproval mean I should spend the full amount?
No. A maximum qualifying amount is not automatically the same as a comfortable budget. We’ll discuss payment, cash needs and priorities so you can choose a price range that fits your life.
Why work with Edge Home Finance?
Edge Home Finance can review options from multiple wholesale lenders rather than offering products from only one institution. The goal is to identify a competitive program that fits your specific scenario.
Refinance Rate Watch List
Let’s keep an eye on rates together.
Share a few details about your current mortgage. If market conditions reach a point where refinancing may be worth a conversation, I can follow up with you.
This is a request for future contact—not a loan application, rate lock, approval, or commitment to lend. Please do not include Social Security numbers, account numbers, or other sensitive financial information.
Let’s talk
Your next step can be a simple conversation.
Whether you’re ready to apply or still figuring out where to begin, I’d love to hear what you’re working toward.