Our Ideal Customer

Because we are a direct lender. We use base guidelines allowing credit scores as low as 580 and on the upper end offering 5% down, no mortgage insurance Jumbo financing. Being a full lender, my team and I work with first-time buyers, experienced buyers for primary, 2nd homes, and investment properties. We are an equal opportunity lender. NMLS 1850 | 265365. I am licensed in MN & WI.

About Us

Mortgage Broker poised to stay ahead of the technology curve. We make it easy with the latest technology. Being a mortgage broker we shop over 140 different lenders to get you the best deal everytime.

How We Got Started

I started in real estate sales, became a part-owner in the largest office of a large franchised real estate organization, built homes for six years, and have been in the mortgage business since 1993. I've owned a small correspondent lender, have been a loan officer, and am in management in local, regional, and national companies. Currently, I am a Branch Manager in MN & WI. My NMLS license is 265365 and we are an equity opportunity lender.

Products & Services
Home Loans by Edge Home Finance - Dave Kosmecki
We can make your dream of home ownership a reality. American Pacific Mortgage - Dave Kosmecki offers home loans to aspiring home buyers in and arou...
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"Depends and quick"

Our Team

David Kosmecki from Edge Home Finance - Dave Kosmecki
David Kosmecki