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 Karengi
Sam KarengiYour mortgage loan officer · NMLS #1146087
Illustrative brick home with a welcoming porch and mature trees A place to call your own.
THE NEXT CHAPTER

Built around
your next move.

YOUR GOALS FIRSTYOUR OPTIONS EXPLAINEDYOUR NEXT STEP CLEAR

FINANCING THAT FITS

Different stories.
Different possibilities.

You don’t have to know the right loan.
Start with what you’re trying to do.

YOUR NEXT HOME

Find the home.
Let’s build the plan.

Before you fall in love with a listing, get clear on a comfortable payment, your cash to close, and the financing options that fit your situation.

ConventionalFHAVA

WHAT WE’LL LOOK AT TOGETHER

  • A payment that works for your budget
  • Down payment and total cash to close
  • Pre-approval and your purchase timeline
Talk through my options

These are starting points for a conversation. Program availability and eligibility depend on your full scenario and lender guidelines.

Sam Karengi, mortgage loan officer at Edge Home Finance
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.
Carla R
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.
Jinnie B
It was a pleasure having Sam Karengi as the contact person for my mortgage. Sam is very professional... I highly recommend Sam.
Martin M
Sam was great to work with. Very communicative and quick to answer questions... I would recommend him to anyone seeking a loan.
Jeffrey B

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.

01

Tell me your story.

Your goals, your timeline, and what a comfortable payment looks like. We start with what matters to you.

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.

$
%
0%$17,500 down100%
%
Taxes, insurance & other costs
$
$
$
$

Mortgage insurance may apply. Add an estimate above for a fuller payment picture.

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.

Talk through a scenario

A FEW GOOD QUESTIONS

Wondering
where to start?

Ask me anything
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.

Prefer a text? Send me a message →
READY TO GET STARTED?

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.

YOUR INFORMATION

A simple privacy note.

This website’s calculator and loan-options guide run in your browser. This site does not collect or store the values you enter in the calculator and does not use analytics or advertising cookies.

Email and text links open your own messaging app. Information you choose to send is handled by the relevant email or messaging service. Hosting providers may process technical request information to operate the website.

The application button opens Edge’s separate secure portal. Its privacy terms apply to information you provide there.

Visit Edge Home Finance