Branch Manager & Mortgage Broker
Specializing in finding mortgage solutions for challenging circumstances — non-traditional income, credit challenges, self-employed borrowers, and more.
NMLS# 264153
Experienced mortgage professional dedicated to getting you to the closing table.
Erich Edwards brings extensive experience in mortgage banking and loan origination for both purchase and refinance transactions. His commitment to excellent customer service, competitive pricing, and professional guidance has earned him a reputation as one of the most trusted mortgage brokers in the Branson, Missouri area.
Erich specializes in working with borrowers who face challenging circumstances — whether it's non-traditional income documentation, credit challenges, self-employment, or other unique situations that require creative mortgage solutions. He believes everyone deserves a fair shot at homeownership.
Based in Branson, MO, Erich works closely with each client to understand their goals and find the right loan program to fit their needs. From first-time homebuyers to seasoned investors, he provides personalized service every step of the way.
"He is the greatest and would not want to work with anyone else!"
— Brandy T., Seymour, MO"He went above and beyond to get the deal to the closing table on time."
— Amber M., Long Lane, MO"Erich is top notch... great experience."
— Jon H., Ozark, MOFrom first conversation to closing day — here's what to expect.
Your mortgage journey begins with a conversation. Erich will review your financial situation — income, debts, credit, and goals — to determine how much home you can afford and which loan programs best fit your needs. This step is free, involves no commitment, and gives you a clear picture of your buying power before you start shopping.
Once you're ready to move forward, you'll gather key financial documents: recent pay stubs, W-2s or tax returns, bank statements, and identification. Erich will provide a clear checklist tailored to your situation. Having these ready early helps speed up the entire process.
With your documents in hand, Erich will help you complete a formal loan application. He'll shop your loan across multiple lenders to find the best rate and terms for your situation. You'll receive a Loan Estimate outlining the projected interest rate, monthly payment, and closing costs.
Your loan file goes to processing, where all documentation is verified and organized. It then moves to underwriting, where the lender evaluates your creditworthiness and the property's value. Erich stays in close contact throughout, quickly addressing any questions or conditions that arise.
An independent appraiser evaluates the property to confirm its market value meets the loan amount. Simultaneously, a title company performs a title search to ensure the property has a clear ownership history and no outstanding liens. Both are essential steps to protect you and the lender.
The underwriter issues a conditional approval — meaning your loan is approved pending a few final items. These might include updated bank statements, a letter of explanation, or verification of employment. Erich will guide you through satisfying each condition quickly and efficiently.
Once all conditions are met, you receive "Clear to Close" — the green light from the lender. You'll review and sign the Closing Disclosure, which details your final loan terms, monthly payment, and closing costs. This document is provided at least three business days before closing.
The finish line. You'll meet at the title company to sign your final loan documents, provide your funds for closing, and receive the keys to your new home. Erich ensures everything goes smoothly and is available to answer any last-minute questions. Congratulations — you're a homeowner!
Estimate your monthly mortgage payment and see a full amortization schedule.
PMI is typically required on Conventional, FHA, and USDA loans with less than 20% down. VA loans do not require PMI.
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Ready to start your mortgage journey? Reach out today.
500 W. Main Street, Suite 205A
Branson, MO 65616