Helping Florida & Michigan Families Achieve Homeownership for Over 30 Years | Apply Today
Welcome to Edge Home Finance
Edge Home Finance, LLC in Lakewood Ranch is my mortgage brokerage, and I am David Carr, a Mortgage Advisor Florida with more than 30 years of experience. I help homebuyers, homeowners, and real estate investors secure Home Loans Florida that fit real life, not just numbers on paper. I combine clear guidance with modern online tools to deliver Mortgage Pre-Approval Florida and a smooth path from your first questions to closing. Whether you are buying, refinancing, or investing, I provide personal support every step of the way.
Home Purchase Financing
I guide you through Home Purchase Loans Michigan, Conventional Loans Florida, FHA Loans Michigan, VA Loans Florida, and Jumbo Loans Michigan to fit your budget.
Mortgage Refinancing
I review your current loan and explain Mortgage Refinance Florida options to help lower payments, adjust loan terms, or explore Cash-Out Refinance Michigan when it makes sense.
Government-Backed Loan Programs
I help you use FHA Loans Florida, VA Loans Michigan, and USDA loan programs wisely so homeownership feels achievable and sustainable for years to come with confidence.
How It Works
I start with a friendly conversation about your goals, then move into a clear pre-approval so you know your budget. I help gather documents, compare loan options, and explain each choice in plain language. You pick the strategy that feels right, and I coordinate with your agent and the lender through underwriting and closing. After the keys are in your hand, I stay available to review Refinance Home Loan Michigan or Investment Property Loans Florida opportunities.
Meet Your Mortgage Guide
I am David Carr, a Mortgage Advisor with more than 30 years of experience and NMLS #131488. I built my practice around one simple idea, clear guidance helps people make stronger financial decisions. I listen first, then walk you through options for buying, refinancing, or investing in a way that feels calm and understandable. I combine online tools with personal conversations, so you never feel like a number in a call center. If you would like to know who is handling your mortgage and why each recommendation is made, my story page is a great next step.
Testimonials
Incredibly helpful, very professional and polite!
David has gone above and beyond what the average loan officer has done for me in the past, and I am extremely grateful for the incredible work he did in helping me with a home mortgage. He was always available for me when I needed help, no matter what step of the process we were in, and helped me to get to the finish line in record time with zero issues. If you are considering a loan - reach out to David!
It has been a very smooth process
David Carr made the process of purchasing our first home a breeze. He is very knowledgeable, kind, and quick to respond. My husband and I were so impressed that years later we chose him to refinance our home and once again he did an exceptional job. Thank you Dave.
Best in the Business
Had an unbelievable experience with Mr. Carr. We have gone through the refinance process many times and this was the 1st time we didn't have a single issue along the way. Dave was on top of our questions even before we could ask and was always polite and professional. The whole process was smooth sailing from start to finish. Not only did he complete our loan in record time, the fees and closing costs were less than we expected! We'll definitely be working with Dave again on our next home. Thanks for the great work!
The best out there!
Dave was awesome to work with, he goes above and beyond. As first time buyers we had MANY questions, and he always got back to us immediately and cleared things up for us. We would highly recommend him for any of your mortgage questions/needs. He truly is the best out there! Thank you for everything Dave!
Holds his word to make it happen
Even with todays market and long wait times for RD loans David was the only lender to go with he got it done in 30 days!!! Any other lender was taking 60+ he is very knowledgeable, quick responses, and will answer any questions to the best of his ability i would highly recommend him to anyone looking to buy let alone he also had the best interests rate around
An honor and a pleasure to work with
Whether you’re a first time homebuyer like myself or someone who’s done it before David is the best in the business to work with!
He made the process easy and clear, very straight forward and most importantly very honest and respectful. David answered all my questions and provided to many tips and suggestions to help me. David also went out of his way to help me with many things including improving my credit score.
I truly appreciate David and I am very thankful to have the opportunity to work with a great person like him.
Thank you for all your help David! You’re tremendous
Highly recommend!!
We are so thankful we were able to work with David and have him help us through the process of purchasing our home. He is extremely professional, knowledgeable and helpful! Anytime we had a question or concern, he would immediately get back to us. He was there for us throughout the entire process making sure we knew exactly what was going on at all times. We highly recommend him!!
Extremely Happy
Dave made the process so easy. Beyond happy my Dave and the savings he was able to get me. Highly recommend. If your looking to save money or buy a new home and you want someone who is helpful and does what ever he can. You need to call Dave Carr
Great experience!
As a first time home buyer, this process was pretty intimidating. I went on Zillow with no plan or knowledge, was connected with David... and just minutes later was already given vital information that would steer me in the right direction. He worked so hard to make sure I was understanding all the paperwork, files, and numbers and was ALWAYS available when I had a question. I’m pretty fortunate to have had such a great home buying experience and I definitely couldn’t of done it without David and his team!
Above and beyond excellence
Mr. Carr has gone above and beyond what may be expected from any lender I have ever had dealings with. He comes from years of experience and is clearly motivated by his passion to serve the community with excellence. He has gone out of his way on multiple occasions to assist me with several inquiries while purchasing a home. He has the patience of a saint. He has always provided timely feedback and has even worked after hours to coordinate exceptional care of my finances. He has managed to impress me beyond what was expected by finding ways to save me money at the time of closing. This is a man of integrity! He cares about people... and it shows!
Sincerely,
Ms. H. Hughes
Thank you, Mr. David Carr, for your efforts. They have been noticed and appreciated beyond any words I may be able to express. You were an angel that answered my prayers!
Extremely Happy
Dave made the process so easy. Beyond happy my Dave and the savings he was able to get me. Highly recommend. If your looking to save money or buy a new home and you want someone who is helpful and does what ever he can. You need to call Dave Carr
Dave and he's team did a great job!
Being a first time buyer it was a little overwhelming getting all the correct information. Dave and his team were very helpful in guiding through the process and explaining what documents were required and when I needed to get them to him in order to make the closing date, which was important to me. I would recommend Dave if you are looking for a loan in a timely and stress free manner.
Great experience!
The process of buying a home can be very stressful. David and his team made the whole process very easy for me and were able to work around a busy travel schedule. From beginning to end it only took about 3 weeks which is giving me lots of time to move and get settled in!
Dave and his team goes above and beyond!
Dave and his team were amazing to work with. As first time home buyers, Dave was very comforting and was very thorough in explaining the entire process. He explained the pros and cons of the different types of loans available and made recommendations on which would make the most sense. He was very responsive to all of our questions and was there for us from the beginning to the very end, day and night! The process went very smoothly and we closed in 3 weeks from the day we signed the purchase agreement. Most people we talked to found the mortgage process dreadful - with Dave’s guidance, we felt confident and excited throughout the entire process. The realtors on both sides of the sale were extremely impressed as well. We highly recommend Dave.
Highly Recommend!
Purchasing a home is a HUGE deal...the time, energy and resources that go into it can be tiring. Dave made my experience so much easier by being super available for any questions I had about the process, the breakdown of the loan or even before finding my home. He was able to get me a fantastic rate and I'm very happy with my loan. I would highly recommend him.
Highly Recommend David Carr and his team! Work with him and you will be satisfied in the end.
Every loan has it's uniqueness. As a first time home buyer we found it to be a sometimes stressful process. There is a lot more involved to getting a loan then most would expect. Information has to be obtained and processed in order to push a mortgage forward through to closing. David Carr is the expert who we chose to help us get the financing on our new home. Throughout the process he and his team would ask for specific information or documents and we would comply. The end result, we got our mortgage and closed on time. David Carr and his team works hard on the objective! As a first time buyer I would most certainly recommend him.
Above and beyond!
David and his team have been just simply amazing. There night and day for the customer which makes it very comforting when going through such a important process. They say job gets done and it truly gets done right and fast.
David has an impressive dose of professionalism and customer care.
Thank you from the bottom of our hearts!
Highly recommend!!!
Home buying is very stressful especially if you are a first time home buyer with not the best credit, David made it happen for us, we have hurdles along the way but David make sure we get our dream home. He was easy to talk too, great communication, he answers and responds to our questions and concerns in a timely manner. I will highly recommend David Carr , 2 thumbs way up. I am saying this again, Thank you David from the bottom of our hearts...
My husband and I worked with David Carr on our mortgage. He was so easy to work with, very professional and attentive to our mortgage needs. Dave always kept us in the loop of what was going on and any questions we had, he was very prompt in responding to them. We highly recommend David Carr!
The Best!
David is the best! I talked to and sort of interviewed a few different people before deciding on a lender. This was my first home purchase and I was completely clueless about the process. David ALWAYS took the time to answer my questions no matter how big or small. He was available to me at all times and I was never left waiting or wondering. He is extremely knowledgeable and kept me informed on what to expect every step of the way. He was the most Honest lender I spoke to and not enough can be said for that! Through every step, every hiccup, every unknown he was there! I cannot recommend him enough!!! Every situation is different, but if you want 100% honesty and someone to have your best interests at the forefront of the home buying process Davids your guy!
Incredibly helpful, very professional and polite!
David has gone above and beyond what the average loan officer has done for me in the past, and I am extremely grateful for the incredible work he did in helping me with a home mortgage. He was always available for me when I needed help, no matter what step of the process we were in, and helped me to get to the finish line in record time with zero issues. If you are considering a loan - reach out to David!
It has been a very smooth process
David Carr made the process of purchasing our first home a breeze. He is very knowledgeable, kind, and quick to respond. My husband and I were so impressed that years later we chose him to refinance our home and once again he did an exceptional job. Thank you Dave.
Best in the Business
Had an unbelievable experience with Mr. Carr. We have gone through the refinance process many times and this was the 1st time we didn't have a single issue along the way. Dave was on top of our questions even before we could ask and was always polite and professional. The whole process was smooth sailing from start to finish. Not only did he complete our loan in record time, the fees and closing costs were less than we expected! We'll definitely be working with Dave again on our next home. Thanks for the great work!
The best out there!
Dave was awesome to work with, he goes above and beyond. As first time buyers we had MANY questions, and he always got back to us immediately and cleared things up for us. We would highly recommend him for any of your mortgage questions/needs. He truly is the best out there! Thank you for everything Dave!
Holds his word to make it happen
Even with todays market and long wait times for RD loans David was the only lender to go with he got it done in 30 days!!! Any other lender was taking 60+ he is very knowledgeable, quick responses, and will answer any questions to the best of his ability i would highly recommend him to anyone looking to buy let alone he also had the best interests rate around
An honor and a pleasure to work with
Whether you’re a first time homebuyer like myself or someone who’s done it before David is the best in the business to work with!
He made the process easy and clear, very straight forward and most importantly very honest and respectful. David answered all my questions and provided to many tips and suggestions to help me. David also went out of his way to help me with many things including improving my credit score.
I truly appreciate David and I am very thankful to have the opportunity to work with a great person like him.
Thank you for all your help David! You’re tremendous
Highly recommend!!
We are so thankful we were able to work with David and have him help us through the process of purchasing our home. He is extremely professional, knowledgeable and helpful! Anytime we had a question or concern, he would immediately get back to us. He was there for us throughout the entire process making sure we knew exactly what was going on at all times. We highly recommend him!!
Extremely Happy
Dave made the process so easy. Beyond happy my Dave and the savings he was able to get me. Highly recommend. If your looking to save money or buy a new home and you want someone who is helpful and does what ever he can. You need to call Dave Carr
Great experience!
As a first time home buyer, this process was pretty intimidating. I went on Zillow with no plan or knowledge, was connected with David... and just minutes later was already given vital information that would steer me in the right direction. He worked so hard to make sure I was understanding all the paperwork, files, and numbers and was ALWAYS available when I had a question. I’m pretty fortunate to have had such a great home buying experience and I definitely couldn’t of done it without David and his team!
Above and beyond excellence
Mr. Carr has gone above and beyond what may be expected from any lender I have ever had dealings with. He comes from years of experience and is clearly motivated by his passion to serve the community with excellence. He has gone out of his way on multiple occasions to assist me with several inquiries while purchasing a home. He has the patience of a saint. He has always provided timely feedback and has even worked after hours to coordinate exceptional care of my finances. He has managed to impress me beyond what was expected by finding ways to save me money at the time of closing. This is a man of integrity! He cares about people... and it shows!
Sincerely,
Ms. H. Hughes
Thank you, Mr. David Carr, for your efforts. They have been noticed and appreciated beyond any words I may be able to express. You were an angel that answered my prayers!
Extremely Happy
Dave made the process so easy. Beyond happy my Dave and the savings he was able to get me. Highly recommend. If your looking to save money or buy a new home and you want someone who is helpful and does what ever he can. You need to call Dave Carr
Dave and he's team did a great job!
Being a first time buyer it was a little overwhelming getting all the correct information. Dave and his team were very helpful in guiding through the process and explaining what documents were required and when I needed to get them to him in order to make the closing date, which was important to me. I would recommend Dave if you are looking for a loan in a timely and stress free manner.
Great experience!
The process of buying a home can be very stressful. David and his team made the whole process very easy for me and were able to work around a busy travel schedule. From beginning to end it only took about 3 weeks which is giving me lots of time to move and get settled in!
Dave and his team goes above and beyond!
Dave and his team were amazing to work with. As first time home buyers, Dave was very comforting and was very thorough in explaining the entire process. He explained the pros and cons of the different types of loans available and made recommendations on which would make the most sense. He was very responsive to all of our questions and was there for us from the beginning to the very end, day and night! The process went very smoothly and we closed in 3 weeks from the day we signed the purchase agreement. Most people we talked to found the mortgage process dreadful - with Dave’s guidance, we felt confident and excited throughout the entire process. The realtors on both sides of the sale were extremely impressed as well. We highly recommend Dave.
Highly Recommend!
Purchasing a home is a HUGE deal...the time, energy and resources that go into it can be tiring. Dave made my experience so much easier by being super available for any questions I had about the process, the breakdown of the loan or even before finding my home. He was able to get me a fantastic rate and I'm very happy with my loan. I would highly recommend him.
Highly Recommend David Carr and his team! Work with him and you will be satisfied in the end.
Every loan has it's uniqueness. As a first time home buyer we found it to be a sometimes stressful process. There is a lot more involved to getting a loan then most would expect. Information has to be obtained and processed in order to push a mortgage forward through to closing. David Carr is the expert who we chose to help us get the financing on our new home. Throughout the process he and his team would ask for specific information or documents and we would comply. The end result, we got our mortgage and closed on time. David Carr and his team works hard on the objective! As a first time buyer I would most certainly recommend him.
Above and beyond!
David and his team have been just simply amazing. There night and day for the customer which makes it very comforting when going through such a important process. They say job gets done and it truly gets done right and fast.
David has an impressive dose of professionalism and customer care.
Thank you from the bottom of our hearts!
Highly recommend!!!
Home buying is very stressful especially if you are a first time home buyer with not the best credit, David made it happen for us, we have hurdles along the way but David make sure we get our dream home. He was easy to talk too, great communication, he answers and responds to our questions and concerns in a timely manner. I will highly recommend David Carr , 2 thumbs way up. I am saying this again, Thank you David from the bottom of our hearts...
My husband and I worked with David Carr on our mortgage. He was so easy to work with, very professional and attentive to our mortgage needs. Dave always kept us in the loop of what was going on and any questions we had, he was very prompt in responding to them. We highly recommend David Carr!
The Best!
David is the best! I talked to and sort of interviewed a few different people before deciding on a lender. This was my first home purchase and I was completely clueless about the process. David ALWAYS took the time to answer my questions no matter how big or small. He was available to me at all times and I was never left waiting or wondering. He is extremely knowledgeable and kept me informed on what to expect every step of the way. He was the most Honest lender I spoke to and not enough can be said for that! Through every step, every hiccup, every unknown he was there! I cannot recommend him enough!!! Every situation is different, but if you want 100% honesty and someone to have your best interests at the forefront of the home buying process Davids your guy!
Incredibly helpful, very professional and polite!
David has gone above and beyond what the average loan officer has done for me in the past, and I am extremely grateful for the incredible work he did in helping me with a home mortgage. He was always available for me when I needed help, no matter what step of the process we were in, and helped me to get to the finish line in record time with zero issues. If you are considering a loan - reach out to David!
It has been a very smooth process
David Carr made the process of purchasing our first home a breeze. He is very knowledgeable, kind, and quick to respond. My husband and I were so impressed that years later we chose him to refinance our home and once again he did an exceptional job. Thank you Dave.
Best in the Business
Had an unbelievable experience with Mr. Carr. We have gone through the refinance process many times and this was the 1st time we didn't have a single issue along the way. Dave was on top of our questions even before we could ask and was always polite and professional. The whole process was smooth sailing from start to finish. Not only did he complete our loan in record time, the fees and closing costs were less than we expected! We'll definitely be working with Dave again on our next home. Thanks for the great work!
The best out there!
Dave was awesome to work with, he goes above and beyond. As first time buyers we had MANY questions, and he always got back to us immediately and cleared things up for us. We would highly recommend him for any of your mortgage questions/needs. He truly is the best out there! Thank you for everything Dave!
Holds his word to make it happen
Even with todays market and long wait times for RD loans David was the only lender to go with he got it done in 30 days!!! Any other lender was taking 60+ he is very knowledgeable, quick responses, and will answer any questions to the best of his ability i would highly recommend him to anyone looking to buy let alone he also had the best interests rate around
An honor and a pleasure to work with
Whether you’re a first time homebuyer like myself or someone who’s done it before David is the best in the business to work with!
He made the process easy and clear, very straight forward and most importantly very honest and respectful. David answered all my questions and provided to many tips and suggestions to help me. David also went out of his way to help me with many things including improving my credit score.
I truly appreciate David and I am very thankful to have the opportunity to work with a great person like him.
Thank you for all your help David! You’re tremendous
Highly recommend!!
We are so thankful we were able to work with David and have him help us through the process of purchasing our home. He is extremely professional, knowledgeable and helpful! Anytime we had a question or concern, he would immediately get back to us. He was there for us throughout the entire process making sure we knew exactly what was going on at all times. We highly recommend him!!
Extremely Happy
Dave made the process so easy. Beyond happy my Dave and the savings he was able to get me. Highly recommend. If your looking to save money or buy a new home and you want someone who is helpful and does what ever he can. You need to call Dave Carr
Great experience!
As a first time home buyer, this process was pretty intimidating. I went on Zillow with no plan or knowledge, was connected with David... and just minutes later was already given vital information that would steer me in the right direction. He worked so hard to make sure I was understanding all the paperwork, files, and numbers and was ALWAYS available when I had a question. I’m pretty fortunate to have had such a great home buying experience and I definitely couldn’t of done it without David and his team!
Above and beyond excellence
Mr. Carr has gone above and beyond what may be expected from any lender I have ever had dealings with. He comes from years of experience and is clearly motivated by his passion to serve the community with excellence. He has gone out of his way on multiple occasions to assist me with several inquiries while purchasing a home. He has the patience of a saint. He has always provided timely feedback and has even worked after hours to coordinate exceptional care of my finances. He has managed to impress me beyond what was expected by finding ways to save me money at the time of closing. This is a man of integrity! He cares about people... and it shows!
Sincerely,
Ms. H. Hughes
Thank you, Mr. David Carr, for your efforts. They have been noticed and appreciated beyond any words I may be able to express. You were an angel that answered my prayers!
Extremely Happy
Dave made the process so easy. Beyond happy my Dave and the savings he was able to get me. Highly recommend. If your looking to save money or buy a new home and you want someone who is helpful and does what ever he can. You need to call Dave Carr
Dave and he's team did a great job!
Being a first time buyer it was a little overwhelming getting all the correct information. Dave and his team were very helpful in guiding through the process and explaining what documents were required and when I needed to get them to him in order to make the closing date, which was important to me. I would recommend Dave if you are looking for a loan in a timely and stress free manner.
Great experience!
The process of buying a home can be very stressful. David and his team made the whole process very easy for me and were able to work around a busy travel schedule. From beginning to end it only took about 3 weeks which is giving me lots of time to move and get settled in!
Dave and his team goes above and beyond!
Dave and his team were amazing to work with. As first time home buyers, Dave was very comforting and was very thorough in explaining the entire process. He explained the pros and cons of the different types of loans available and made recommendations on which would make the most sense. He was very responsive to all of our questions and was there for us from the beginning to the very end, day and night! The process went very smoothly and we closed in 3 weeks from the day we signed the purchase agreement. Most people we talked to found the mortgage process dreadful - with Dave’s guidance, we felt confident and excited throughout the entire process. The realtors on both sides of the sale were extremely impressed as well. We highly recommend Dave.
Highly Recommend!
Purchasing a home is a HUGE deal...the time, energy and resources that go into it can be tiring. Dave made my experience so much easier by being super available for any questions I had about the process, the breakdown of the loan or even before finding my home. He was able to get me a fantastic rate and I'm very happy with my loan. I would highly recommend him.
Highly Recommend David Carr and his team! Work with him and you will be satisfied in the end.
Every loan has it's uniqueness. As a first time home buyer we found it to be a sometimes stressful process. There is a lot more involved to getting a loan then most would expect. Information has to be obtained and processed in order to push a mortgage forward through to closing. David Carr is the expert who we chose to help us get the financing on our new home. Throughout the process he and his team would ask for specific information or documents and we would comply. The end result, we got our mortgage and closed on time. David Carr and his team works hard on the objective! As a first time buyer I would most certainly recommend him.
Above and beyond!
David and his team have been just simply amazing. There night and day for the customer which makes it very comforting when going through such a important process. They say job gets done and it truly gets done right and fast.
David has an impressive dose of professionalism and customer care.
Thank you from the bottom of our hearts!
Highly recommend!!!
Home buying is very stressful especially if you are a first time home buyer with not the best credit, David made it happen for us, we have hurdles along the way but David make sure we get our dream home. He was easy to talk too, great communication, he answers and responds to our questions and concerns in a timely manner. I will highly recommend David Carr , 2 thumbs way up. I am saying this again, Thank you David from the bottom of our hearts...
My husband and I worked with David Carr on our mortgage. He was so easy to work with, very professional and attentive to our mortgage needs. Dave always kept us in the loop of what was going on and any questions we had, he was very prompt in responding to them. We highly recommend David Carr!
The Best!
David is the best! I talked to and sort of interviewed a few different people before deciding on a lender. This was my first home purchase and I was completely clueless about the process. David ALWAYS took the time to answer my questions no matter how big or small. He was available to me at all times and I was never left waiting or wondering. He is extremely knowledgeable and kept me informed on what to expect every step of the way. He was the most Honest lender I spoke to and not enough can be said for that! Through every step, every hiccup, every unknown he was there! I cannot recommend him enough!!! Every situation is different, but if you want 100% honesty and someone to have your best interests at the forefront of the home buying process Davids your guy!
David Carr
Mortgage Advisor
- NMLS Mortgage Loan Originator License #131488
- 30+ Years Mortgage Industry Experience
- FHA, VA, USDA & Conventional Loan Expertise
Sarasota, Florida & Metro Detroit, Michigan
David Carr is a licensed mortgage broker helping homebuyers, homeowners, and real estate investors secure competitive mortgage financing throughout Florida and Michigan. We offer FHA, VA, Conventional, Jumbo, DSCR, HELOC, and refinance loan solutions with fast pre-approvals and personalized service.
Personal Guidance
I listen carefully, explain options clearly, and design a financing strategy that fits your real goals as a Mortgage Broker Florida.
Over 30 Years Experience
I have helped clients through changing markets for decades, reducing surprises and keeping approvals on track for Home Loans Michigan.
Digital Convenience, Local Insight
Apply online, meet virtually, and still benefit from local knowledge about neighborhoods, fees, and insurance across Florida and Michigan.