Edge Home Finance – Utah
Our Preferred Lending Partner
We partner with Edge Home Finance because they know how to get deals done. They’re fast, flexible, and deeply knowledgeable about the programs Utah buyers need most - especially when it comes to zero-down, grants, and creative financing.
Why Edge Home Finance?
Edge Home Finance is an independent brokerage - not a big bank - which means they can shop dozens of lenders to find the best rate and terms for each buyer. That flexibility gives our clients real options and better outcomes.
Their team understands the Utah market, communicates clearly, and makes the process smoother from start to finish. We've worked with them on dozens of transactions and continue to be impressed.
Meet the Edge Home Finance Team We Work With
Kira Stirling
Loan Officer - Edge Home Finance
📞 (801) 666-2961
📧 kira@edgehomefinance.com
🌐 View Profile
I’m not just your mortgage loan officer - I’m your hype squad, strategy partner, and probably Spotify’s top Noah Kahan listener. I treat every homebuyer journey like a mixtape: personalized, full of good vibes, and just the right amount of chaos in a "this could be the best thing ever" kind of way.
I specialize in working with low credit and low income because affordable housing isn’t just my thang - it’s kind of my passion. Beyond the loan itself, I’m out here hunting down every grant, city program, and down payment assistance option to make your path smoother (and more affordable).
Whether you’re two weeks from move-in ready or two years from "just curious," I’m all in. I believe everyone deserves a roadmap to homeownership, and I love being the co-pilot. (As long as you’re okay with GIF responses here and there…)
When I’m not helping clients snag keys to their starter home or forever home, you’ll probably find me skiing down a mountain, gaming in a first-person shooter, or curled up with a juicy murder mystery. Oh - and probably still listening to Noah Kahan. Nonstop.
✨ Let’s make home happen. ✨
Jim Booher
Loan Officer - Edge Home Finance
📞 (385) 323-8395
📧 jbooher@edgehomefinance.com
🌐 View Profile
Jim is solid - smart, calm, and experienced. He works well with buyers who need extra support, especially those looking at foreclosures, off-market deals, or unconventional financing. He brings creative thinking to the table and always keeps the process grounded and clear.
Programs and Pathways to Ownership
Whether you’re a first-time buyer, returning after a life change, or just exploring options, Edge Home Finance is the go-to resource for navigating Utah’s best programs. Their team helps match buyers with down payment assistance, government-backed loans, and grant programs you may not even know exist.
FAQ - Edge Home Finance
1. Can Edge Home Finance help me if I have low credit or limited savings?
Yes. They specialize in working with buyers who have challenging credit or limited savings. From down payment assistance and grants to flexible underwriting, they help people get approved who might not qualify elsewhere.
2. What’s the difference between Edge Home Finance and a big bank?
Edge Home Finance is a mortgage broker - not a direct lender. That means they aren’t tied to one set of loan guidelines. They shop across many lenders to find you the best rate, terms, and approval path for your specific situation.
3. Are Utah grants and zero-down programs still available?
Yes - but they change often and many have limited enrollment. Edge Home Finance stays on top of these updates and can help you navigate which programs are available based on your credit, location, and income.
4. Can I get pre-approved before I’ve chosen a home?
Definitely. In fact, getting pre-approved early helps clarify your budget, strengthens your offer, and gives you time to fix any surprises before you’re under contract. Edge Home Finance can usually get it done same-day.
5. What if I’ve been turned down elsewhere?
It happens more than you think. Edge Home Finance works with dozens of lenders - including many who offer second-look programs. Even if another lender said no, it’s worth having them take a look. You may be closer than you think.
6. Is there any cost to apply?
No. It’s free to apply and get pre-approved with Edge Home Finance. You’ll get a clear breakdown of your options - including rates, payments, and estimated out-of-pocket - so you can decide what feels right for you.
7. Can Edge Home Finance help if I’m self-employed?
Yes. They’re great with 1099 income, business owners, and complex tax returns. Their team knows which lenders allow for alternative documentation and how to structure income to help you qualify.
8. Do I have to be ready to buy now to talk with someone?
Nope. They’re happy to talk even if you’re still in the early stages. Whether you’re 30 days or 2 years out, the Edge Home Finance team is there to help you map out a plan and move at your pace.