Pooja Oberoi Solutions Beyond the Rate Book a Free Call

A mortgage is never just a rate. It’s the life you’re building.

I’m Pooja Oberoi, a mortgage loan officer in Charlotte, NC and a mortgage agent in Toronto, Ontario. I help people buy and refinance homes across the USA, and I help buyers and homeowners in Toronto and the GTA. Most of my work is first homes, VA loans, refinances, investment properties and clients whose income does not come from a regular paycheck. I also handle commercial loans and loans for foreign buyers. Tell me what you are trying to do and we will look at your numbers together and work out which loan fits.

Book a Free Call USA 704-575-0227 Canada 647-990-6958
Licensed in NC, SC, IN & FL Licensed in Ontario English, Hindi, Punjabi & more
Pooja Oberoi, mortgage loan officer in Charlotte NC for VA loans, first time buyers, DSCR and refinance
Pooja Oberoi Loan Officer, Edge Home Finance (USA) · Mortgage Agent Level 1, Mortgage Alliance (Ontario)

I work in two markets, and I keep them separate.

If your home is in the USA, your file is handled under my US license with Edge Home Finance. If it is in Ontario, it goes through Mortgage Alliance under my Ontario license. The two never get mixed together.

Pooja Oberoi, USA market

United States

Edge Home Finance · NMLS #2024915
Licensed in NC, SC, IN & FL

  • VA loans with a free entitlement review
  • First time buyer plans & assistance programs
  • DSCR loans for real estate investors
  • Refinance, including a free Second Read
  • Self employed bank statement & P&L loans

Loans in all 49 states, every state except New York, through Edge Home Finance.
Edge Home Finance can place loans in 49 states. My own licenses cover NC, SC, IN and FL, and files in other states are handled with licensed colleagues inside Edge.

704-575-0227
Explore USA Loans Apply in USA Book a Call
Pooja Oberoi, mortgage agent in Toronto Ontario for mortgage renewals and first time buyers

Ontario, Canada

Mortgage Alliance · Lic #10530
Mortgage Agent Level 1, FSRA regulated

  • Mortgage renewals. Do not sign the first letter you get
  • Toronto & GTA buyer rebates for first time buyers
  • Purchases, refinances & switches
  • Self employed and newcomer programs
  • A free quote before your bank’s deadline
647-990-6958
Explore Ontario Apply in Canada Book a Call

Start with the page that matches your situation

Each page covers one situation in detail: who it helps, how it works and what questions to ask. Every page ends with an offer of a free call, because most mortgage questions are easier to settle in conversation than on a website.

USA · Veterans

VA Loans

If you served, you have a benefit that many lenders barely look at. Start with a free check of what your entitlement can still do for you.

Free VA Entitlement Review → USA · First Home

First Time Buyers

Still renting? We will work out what you actually need to buy, and whether you qualify for help with the down payment.

Free First Time Buyer Plan → USA · Investors

DSCR Investor Loans

These loans look at the rent a property brings in instead of your pay stubs. They suit investors who are adding properties.

Free DSCR Review → USA · Homeowners & Agents

Refinance & Second Read

Turned down by a lender? Some of mine can check a file using VantageScore as well as FICO, and that second check sometimes changes the answer.

Free Second Read → USA · Business Owners

Self Employed & P&L Loans

Your tax return was written to lower your taxes, not to impress a lender. Bank statement and profit and loss programs look at what your business actually earns.

Free Self Employed Review → Ontario · Renewals

Mortgage Renewal

Your bank’s renewal letter is an offer, not an answer. Get a free quote before you sign.

Free Renewal Review → Ontario · Toronto & GTA

Toronto Buyer Rebates

First time buyers in Toronto may qualify for land transfer tax rebates. Don’t leave money behind.

Free Rebate Check → USA & Ontario · Run the Numbers

Mortgage Calculator

Work out a monthly payment in US or Canadian dollars. Change the price, the down payment or the rate and see what moves.

Open the Calculator → USA & Ontario · Guides & Stories

The Mortgage Blog

Articles from my desk about first homes, declined files, Ontario renewals and Toronto rebates.

Read the Blog → USA & Ontario · Answers

Questions, Answered

Full question and answer pages for the USA and for Ontario, covering costs, timelines, credit, programs and how to apply.

USA FAQ →  ·  Ontario FAQ → Not Sure Yet?

Just Book the Call

A free half hour call in English, Hindi or Punjabi. Tell me what you are hoping to do and we will talk through your options.

Book on Calendly → Client Reviews

Rated on Google

Read what clients have said about working with me. If we have worked together, I would appreciate a review from you as well.

Read & Leave a Review →

How it works

No portals to wrestle with, no waiting on hold. Three steps:

1

Book a free call

Pick a time that suits you. We talk for about 30 minutes, by phone or video, in whichever language you prefer.

2

We run your numbers together

We go through your income, your credit and what you want the loan to do. Then I show you the options I can find across my lenders, including the downsides of each one.

3

You get a clear path

A plan you understand, a timeline you can trust, and me in your corner from application to closing day.

Pooja Oberoi

Hi, I’m Pooja.

I’m a mortgage loan officer with Edge Home Finance in the USA and a Mortgage Agent Level 1 with Mortgage Alliance in Ontario. Two licenses, two markets, and one belief that shapes every file I touch: solutions beyond the rate.

A rate quote takes ten seconds. Understanding a family, the job that just changed, the parents moving in, the business that pays well but files taxes creatively, that’s the real work. It’s also how files that were declined elsewhere find their way to a yes: a second read, a different program, a structure nobody else bothered to build.

I serve buyers, homeowners, veterans, investors, and the realtors and partners who trust me with their clients, and I’m proud to serve as incoming 2027 President of the AREAA Charlotte chapter, supporting our Asian American real estate community.

English Hindi · हिन्दी Punjabi · ਪੰਜਾਬੀ And more, just ask
Book a Free Call My Google Reviews

Let’s talk about your next move.

Whether you are buying, renewing, refinancing or investing, the first call is free. We talk about what you want to do, and I will tell you honestly whether I can help.

Book a Free Call USA 704-575-0227 Canada 647-990-6958
← Back to Home
Edge Home Finance · NMLS #2024915

Mortgage loan officer in Charlotte, NC

I am licensed in North Carolina, South Carolina, Indiana and Florida, and I work with a large network of lenders. That network matters most when a file does not fit the first program we try. Pick your situation below, or book a free call and tell me what you are working on.

Loans in all 49 states, every state except New York, through Edge Home Finance

That reach comes through Edge Home Finance. I am personally licensed in NC, SC, IN and FL (NMLS #2024915), and files in other states are handled with licensed colleagues inside Edge.

Book a Free Call Call 704-575-0227 Apply in USA
Veterans

VA Loans

Free entitlement review, COE guidance, and a lender who knows VA files inside out.

Explore VA Loans → First Home

First Time Buyers

Assistance programs, honest numbers, and a step by step plan to your first keys.

Explore First Time Buyer Help → Investors

DSCR Investor Loans

Qualify on the rent the property brings in. Purchases, refinances, and cash out.

Explore DSCR Loans → Homeowners & Agents

Refinance & Second Read

Lower your payment, shorten your term, or revive a file another lender declined.

Explore Refinance → Business Owners

Self Employed & P&L Loans

Bank statement and profit and loss programs, for income that does not fit neatly on a W2.

Explore Self Employed Loans → Everything Else

Conventional, FHA & More

Second homes, larger homes and larger loans. If it is a mortgage question, start with a call.

Book a Free Call →

Estimate your monthly payment

Try your own price and down payment here. When you want the full picture, with taxes and insurance included, book a free call and we will go through it together.

Estimated monthly principal and interest

For illustration only. This is not a rate quote, a pre approval or a commitment to lend. Canada estimates use compounding twice a year, as is standard for Canadian mortgages. Actual payment, rate and terms depend on credit, property, program and lender approval. Taxes, insurance, mortgage insurance and HOA are not included.

Book a Free Call

Ready to apply in the USA?

Start your Edge Home Finance application with Pooja Oberoi, or book a free call first if you want to talk it through.

Apply in USA: Start the Application

Read the full USA questions and answers page →

Pooja Oberoi, Loan Officer, NMLS #2024915 · Edge Home Finance, LLC, NMLS #891464 · Licensed in NC, SC, IN, FL. This is not a commitment to lend. All loans are subject to credit and property approval. Equal Housing Opportunity.

← Back to Home
Mortgage Alliance · Lic #10530 · Ontario

Mortgage agent in Toronto, Ontario

I am a Mortgage Agent Level 1 with Mortgage Alliance. Instead of showing you only one bank’s products, I compare offers from many lenders for purchases, renewals, refinances and switches across Ontario.

Book a Free Call Call 647-990-6958 Apply in Canada
Renewals

Mortgage Renewal

Your bank’s renewal letter is a starting offer. Get a free quote before you sign anything.

Explore Renewals → Toronto & GTA

Toronto Buyer Rebates

Provincial and Toronto land transfer tax rebates for first time buyers, claimed properly, on time.

Explore Rebates → Purchases & More

Buy, Refinance or Switch

Buying a first home, moving to a bigger place, refinancing, or buying while self employed or new to Canada. Start with a free call.

Book a Free Call →
  • Purchases: pre approvals that hold up when you find the one
  • Renewals & switches: often with the new lender covering transfer costs
  • Refinances: consolidate debt or fund renovations with your equity
  • Self employed & newcomers: programs beyond the big bank checklist

Estimate your monthly payment

Try your own price and down payment here. Canadian mortgages compound interest twice a year, and this estimate allows for that.

Estimated monthly principal and interest

For illustration only. This is not a rate quote, a pre approval or a commitment to lend. Canada estimates use compounding twice a year, as is standard for Canadian mortgages. Actual payment, rate and terms depend on credit, property, program and lender approval. Taxes, insurance, mortgage insurance and HOA are not included.

Book a Free Call

Ready to apply in Canada?

Start your Mortgage Alliance application with Pooja Oberoi, or book a free call first if you want to talk it through.

Apply in Canada: Start the Application

Read the full Ontario questions and answers page →

Pooja Oberoi, Mortgage Agent Level 1, Mortgage Alliance, Lic #10530. Regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Mortgage Alliance head office: 2005 Sheppard Ave. E, Suite 200, Toronto, ON M2J 5B4. All mortgages subject to lender approval.

← All USA Loans
USA · VA Loans

You earned this benefit. Let’s make sure it works for you.

So many veterans I meet were told years ago, by a lender who didn’t know VA loans well, that their file was “too complicated.” A manual review, a careful look at entitlement, a lender who actually does VA: that’s often the whole difference between a no and a set of keys.

Whether you’re buying your first home after service, moving your family closer to base or to grandma, or refinancing the home you’re in, I’ll walk your VA file through with the attention it deserves.

Free Offer

Free VA Entitlement Review

We check your Certificate of Eligibility, how much entitlement you have available, and exactly what you can buy, before you fall in love with a house.

Book My Free Review Call 704-575-0227

What a VA loan can do

  • No down payment for many eligible borrowers, your service can cover what savings hasn’t yet
  • No monthly mortgage insurance, which keeps payments lower than comparable loans
  • Flexible credit guidelines and manual underwriting options when the automated answer is no
  • Use it more than once: entitlement can be restored and reused as your life changes
  • Refinance options including streamline and cash out for current VA homeowners

How we start

1

Book the call

Thirty free minutes. Tell me your service story and where you want to live.

2

Entitlement review

We pull your COE together and confirm your available entitlement and price range.

3

A pre approval that holds up

A fully reviewed pre approval your realtor can present with confidence.

Common questions

Who is eligible for a VA loan?
Veterans, active duty service members, National Guard and Reserve members who meet service requirements, and some surviving spouses. We confirm your eligibility directly from your Certificate of Eligibility on our first call.
I was declined for a VA loan before. Is it worth trying again?
Often, yes. VA files are frequently declined on automated findings that a manual underwrite can overcome, and guidelines differ between lenders. A second look costs you nothing.
Can I use my VA loan twice?
Yes, in many cases. VA entitlement can be restored or you may have remaining entitlement for a second purchase. A free entitlement review in Charlotte, NC or by phone confirms exactly how much you can use again.
Book My Free VA Review Call 704-575-0227

What might a VA purchase cost each month?

Many VA buyers put little or nothing down. Try a low down payment below and see what the payment looks like, then book your free entitlement review.

Estimated monthly principal and interest

For illustration only. This is not a rate quote, a pre approval or a commitment to lend. Canada estimates use compounding twice a year, as is standard for Canadian mortgages. Actual payment, rate and terms depend on credit, property, program and lender approval. Taxes, insurance, mortgage insurance and HOA are not included.

Book a Free Call

Ready to apply in the USA?

Start your Edge Home Finance application with Pooja Oberoi, or book a free call first if you want to talk it through.

Apply in USA: Start the Application

I help in English, Hindi, Punjabi and more. VA loans are subject to VA eligibility and lender approval. Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464. Not affiliated with the U.S. Department of Veterans Affairs.

← All USA Loans
USA · First Time Buyers

Your first home is closer than the rent checks make it feel.

Every month, another rent payment walks out the door, money that builds someone else’s future. Most first time buyers I meet aren’t far from buying. They’re missing a map: how much they actually need, which assistance programs they qualify for, and what to fix first.

That map is exactly what we build together. No jargon, no judgment about where you’re starting from, just your real numbers and the next right step.

Free Offer

Free First Time Buyer Plan

Your personal roadmap: price range, programs you qualify for, and the exact steps between today and closing day.

Book My Free Plan Call 704-575-0227

What we sort out together

  • Down payment assistance through multiple programs for FHA and conventional loans, with help of up to 3.5 to 5 percent for eligible buyers. North Carolina state programs are one example. Options reach across the states I serve, and many buyers never hear about any of them
  • How much you really need to bring: it depends on your score and program; we’ll find your number, not a guess
  • Low down payment loan options across conventional, FHA and USDA where available
  • Credit, honestly read, including lenders who can look at both FICO and VantageScore
  • A pre approval sellers respect: fully reviewed, not a two minute online letter

Common questions

Is down payment assistance only available in North Carolina?
Not at all. North Carolina has its own well known programs, and they are a good example, but I work with multiple down payment assistance programs that pair with FHA and conventional loans across the states I serve. Depending on the program and your eligibility, assistance can run up to 3.5 to 5 percent, which can cover some or all of your down payment. On a free buyer plan call, we look at which programs you actually qualify for.
Do I need 20% down to buy my first home?
No. Many first time buyers purchase with far less down, and assistance programs can help further. How much you bring depends on your score, the program, and the home, we’ll work out your real figure on the call.
My credit isn’t perfect. Should I wait?
Not necessarily. Some programs are built for buyers still building credit, and some lenders can read your file with VantageScore as well as FICO. Let’s look before you count yourself out.
How long does the process take?
Most buyers go from pre approval to closing in about 30 to 45 days once they’re under contract. Your plan will include a timeline that fits your lease and your life.
Book My Free Buyer Plan Call 704-575-0227

Play with the numbers

Change the price and the down payment and watch the payment move. Help with the down payment can change your figures a lot, so treat this as a starting point and bring your numbers to your free buyer plan call.

Estimated monthly principal and interest

For illustration only. This is not a rate quote, a pre approval or a commitment to lend. Canada estimates use compounding twice a year, as is standard for Canadian mortgages. Actual payment, rate and terms depend on credit, property, program and lender approval. Taxes, insurance, mortgage insurance and HOA are not included.

Book a Free Call

Ready to apply in the USA?

Start your Edge Home Finance application with Pooja Oberoi, or book a free call first if you want to talk it through.

Apply in USA: Start the Application

I help in English, Hindi, Punjabi and more. Program availability and eligibility vary by state, property, and borrower profile. Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464.

← All USA Loans
USA · Investor Loans

The property earns. The property qualifies.

Every investor hits the same wall: the portfolio is performing, the rents are strong, and a traditional lender wants two more years of tax returns that were written to minimize taxes, not to impress an underwriter.

DSCR loans flip the question. Instead of your personal income, the lender looks at whether the property’s rent covers its payment. If the numbers work on the property, the loan can work for you, purchase, refinance, or cash out.

Free Offer

Free DSCR Review

Send me the property and the rent. I’ll run the ratio, show you your options, including cash out on properties you bought recently, and tell you straight if it doesn’t work yet.

Book My Free DSCR Review Call 704-575-0227

Built for investors

  • Qualify on rental income: the debt service coverage ratio, not your pay stubs
  • No personal tax returns required for the property’s qualification in most cases
  • Cash out options, including for rentals purchased recently; ask me what changed
  • Single rentals to growing portfolios, including properties held in an LLC
  • Short term and long term rentals considered, depending on the program

Common questions

What is a DSCR loan?
A DSCR loan is an investor mortgage that qualifies you on the property’s rental income, its debt service coverage ratio, instead of your personal pay stubs or tax returns. It is built for DSCR loans for investors buying or refinancing rental property.
What DSCR ratio do I need?
It varies by lender and program, stronger ratios open more options. Bring me the rent and the property details and I’ll tell you exactly where your deal stands before you spend a dollar.
Can I cash out of a rental I bought recently?
Options have opened up significantly for recently purchased rentals, typically with a stronger ratio and extra reserves. This is exactly what the free DSCR review checks.
Can I buy in an LLC?
Many DSCR programs allow vesting in an LLC. We’ll confirm the structure your program requires before you make an offer.
Book My Free DSCR Review Call 704-575-0227

Check the payment against the rent

Investors live by this comparison. Estimate the payment here and set it against the rent the property brings in. We will run the full ratio on your free review.

Estimated monthly principal and interest

For illustration only. This is not a rate quote, a pre approval or a commitment to lend. Canada estimates use compounding twice a year, as is standard for Canadian mortgages. Actual payment, rate and terms depend on credit, property, program and lender approval. Taxes, insurance, mortgage insurance and HOA are not included.

Book a Free Call

Ready to apply in the USA?

Start your Edge Home Finance application with Pooja Oberoi, or book a free call first if you want to talk it through.

Apply in USA: Start the Application

I help in English, Hindi, Punjabi and more. DSCR loans are for investment properties only and are subject to lender approval and program guidelines. Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464.

← All USA Loans
USA · Refinance & Second Read

One score said no. That’s not the whole story.

Picture it: your client found the house, their agent did everything right, and the loan died because one credit score came in a few points short. Most lenders check one score, one way, and stop there.

Some of my lender partners now run both FICO and VantageScore, on conventional and VA loans, and on select bank statement and investor DSCR programs. A file that falls short under one read can qualify under the other. And if you’re a homeowner, the same second look applies to your refinance.

Free Offer

Free Second Read

Agents: send me the file your lender declined. Homeowners: send me the refinance you were told to forget. I read it both ways and give you a straight answer.

Book My Free Second Read Call 704-575-0227

Refinance, with a real second look

  • Two score review: FICO and VantageScore reads where the program allows
  • Rate and term refinances to lower your payment or shorten your loan
  • Cash out refinances for renovations, debt consolidation, or your next investment
  • VA refinances, including streamline options for current VA borrowers
  • An honest break even conversation: if refinancing doesn’t pay, I’ll tell you

Common questions

What is a Second Read?
A free second look of a declined or stalled file. Some lenders can evaluate your credit with VantageScore in addition to the traditional FICO read. Two reads means two chances to qualify, with the possibility of better pricing when the second score is stronger.
I’m a realtor. How do I send you a file?
Book a call or phone me at 704-575-0227. With your client’s permission, I review the declined file, read it both ways, and report back fast, your client stays your client, and you stay in the loop.
When does refinancing make sense?
When the new loan improves your position after costs, a lower payment, a shorter term, or cash put to work. We’ll run your numbers together on the call and I will show you the costs as well as the savings.
Book My Free Second Read Call 704-575-0227

Compare a new payment

If you are thinking about refinancing, estimate the new payment here first. On our call we will set it against what you pay now and count the costs honestly.

Estimated monthly principal and interest

For illustration only. This is not a rate quote, a pre approval or a commitment to lend. Canada estimates use compounding twice a year, as is standard for Canadian mortgages. Actual payment, rate and terms depend on credit, property, program and lender approval. Taxes, insurance, mortgage insurance and HOA are not included.

Book a Free Call

Ready to apply in the USA?

Start your Edge Home Finance application with Pooja Oberoi, or book a free call first if you want to talk it through.

Apply in USA: Start the Application

I help in English, Hindi, Punjabi and more. Score options vary by lender and program; a second read does not guarantee approval. Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464.

← All USA Loans
USA · Self Employed

Your business is thriving. Your tax return just doesn’t say so.

If you’re self employed, you know the script: your accountant does a brilliant job lowering your taxable income, and then a mortgage underwriter reads that same return and decides you can’t afford the home you clearly can.

Bank statement and profit and loss programs were built for exactly this. They look at the money that actually moves through your business, not just the number left after every deduction.

Free Offer

Free Self Employed Review

Bring your last few months of bank statements or your P&L. I’ll show you what your income looks like through a lender’s eyes, and which program fits it best.

Book My Free Review Call 704-575-0227

Programs that read real income

  • Bank statement loans: qualify on deposits over 12 or 24 months of statements
  • P&L programs: a CPA prepared profit and loss statement in place of full tax returns
  • 1099 and contract income options for freelancers and gig professionals
  • Less than two years self employed? That’s not an automatic no, several programs accept shorter histories, especially with prior experience in the same field
  • Two score flexibility: select programs can read FICO or VantageScore
  • Purchases and refinances, for primary homes and investment properties

Common questions

How long do I need to have been self employed?
You don’t necessarily need two years. Two years of history is the traditional standard, but several programs I work with accept shorter self employment histories, in some cases around a year, and sometimes less when you have solid experience in the same line of work before going out on your own. Your review will pin down what you qualify for today.
Do I still need good credit?
Credit still matters, and how much you bring to the purchase depends on your score and the program, every scenario is different. That’s a conversation we’ll have with your real numbers in front of us.
Are the rates higher on these loans?
Programs that use different paperwork can price differently than standard loans. I’ll show you the full picture, payment, costs, and alternatives, so you decide with open eyes.
Book My Free Review Call 704-575-0227

Estimate a payment

The paperwork is different for self employed borrowers. The maths is not. Try your numbers here, then bring your statements to a free review.

Estimated monthly principal and interest

For illustration only. This is not a rate quote, a pre approval or a commitment to lend. Canada estimates use compounding twice a year, as is standard for Canadian mortgages. Actual payment, rate and terms depend on credit, property, program and lender approval. Taxes, insurance, mortgage insurance and HOA are not included.

Book a Free Call

Ready to apply in the USA?

Start your Edge Home Finance application with Pooja Oberoi, or book a free call first if you want to talk it through.

Apply in USA: Start the Application

I help in English, Hindi, Punjabi and more. These programs are subject to lender guidelines and approval. Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464.

← All Ontario Mortgages
Ontario · Mortgage Renewal

Don’t sign your bank’s renewal letter until I’ve quoted it.

The letter arrives, life is busy, and signing takes thirty seconds. Your bank counts on exactly that. But that first offer is rarely their best, and it’s never a quote shopped across the lenders competing for your business.

A renewal is one of the biggest financial decisions of your term, and comparing costs you nothing. Before you sign, let me put real options beside that letter.

Free Offer

Free Renewal Review

Send me your renewal letter. I will get quotes from other lenders and put them beside your bank’s offer, so you can see in actual dollars whether signing or switching is better for you.

Book My Free Renewal Review Call 647-990-6958

Why a renewal review pays

  • Your bank’s first offer is a starting point: lenders compete when they know you’re looking
  • Switching is often free: many lenders cover transfer and appraisal costs on a straight switch
  • Restructure, don’t just renew: adjust your term, amortization, or payment to fit your life now
  • Rate holds: we can lock a quote well before your renewal date while you decide
  • No cost to you, on most standard renewals, I’m paid by the lender, not by you

Common questions

Should I sign my mortgage renewal letter?
Not before you compare it. Your bank’s renewal letter is a first offer, not a shopped quote. If you want to renew your mortgage in Ontario for a better rate or term, get a free quote across lenders first, signing takes seconds, comparing can save you for the whole next term.
When should I start my renewal review?
Ideally three to four months before your renewal date, that gives us time to hold a rate and compare properly. Even a few weeks out, a quote is worth having before you sign.
Will switching lenders mean qualifying again?
A straight switch usually involves a simpler qualification than a brand new mortgage, though requirements vary by lender and your situation. We’ll confirm what applies to you before we start.
What do I need to send you?
Just your renewal letter or your current mortgage statement to start. Book a call and I’ll walk you through the rest.
Book My Free Renewal Review Call 647-990-6958

See what a different rate does to your payment

Even a small rate change moves a renewal payment more than most people expect. Try a couple of rates here, then send me your renewal letter for real quotes.

Estimated monthly principal and interest

For illustration only. This is not a rate quote, a pre approval or a commitment to lend. Canada estimates use compounding twice a year, as is standard for Canadian mortgages. Actual payment, rate and terms depend on credit, property, program and lender approval. Taxes, insurance, mortgage insurance and HOA are not included.

Book a Free Call

Ready to apply in Canada?

Start your Mortgage Alliance application with Pooja Oberoi, or book a free call first if you want to talk it through.

Apply in Canada: Start the Application

I help in English, Hindi, Punjabi and more. Pooja Oberoi, Mortgage Agent Level 1, Mortgage Alliance, Lic #10530, regulated by FSRA. Renewal offers subject to lender approval.

← All Ontario Mortgages
Ontario · Toronto & GTA Buyers

Buying your first home in Toronto? Don’t leave rebate money on the table.

Toronto buyers pay land transfer tax twice, once to Ontario, once to the city. It’s one of the biggest closing costs you’ll face, and it lands at the exact moment every dollar matters most.

What many first time buyers never hear: both levels offer land transfer tax rebates for eligible first time purchasers. Claimed properly and on time, they can put real money back into your first home. Let’s check what you qualify for before you buy, not after.

Free Offer

Free Toronto Buyer Rebate Check

We review your first time buyer status, the provincial and Toronto rebates, and the other incentives you may qualify for, and build them into your purchase budget from day one.

Book My Free Rebate Check Call 647-990-6958

What we check for you

  • Ontario first time buyer land transfer tax refund: eligibility and how it’s claimed at closing
  • Toronto municipal land transfer tax rebate: the second layer most GTA buyers miss
  • Federal first time buyer incentives and accounts, including the First Home Savings Account (FHSA)
  • New build rebates, including the GST/HST new housing rebate where it applies
  • A pre approval built on real closing costs: rebates in, surprises out

Common questions

Who counts as a first time buyer for these rebates?
Generally, you must not have owned a home anywhere in the world, and rules also look at a spouse’s ownership history. The details matter, your rebate check confirms your exact status before you rely on the money.
Do the rebates apply outside Toronto?
The Ontario refund applies across the province. The city rebate only applies in Toronto itself, because Toronto charges its own land transfer tax. Either way, we’ll map what applies to your purchase.
When are the rebates paid?
In most cases the provincial and Toronto rebates are applied at closing through your lawyer, reducing what you pay on the day. We’ll make sure they’re set up correctly in advance.
Book My Free Rebate Check Call 647-990-6958

Estimate your payment, rebates aside

This shows the loan payment only. The rebates we check for you lower what you need at closing, and we will work those into your budget on your free rebate check call.

Estimated monthly principal and interest

For illustration only. This is not a rate quote, a pre approval or a commitment to lend. Canada estimates use compounding twice a year, as is standard for Canadian mortgages. Actual payment, rate and terms depend on credit, property, program and lender approval. Taxes, insurance, mortgage insurance and HOA are not included.

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Ready to apply in Canada?

Start your Mortgage Alliance application with Pooja Oberoi, or book a free call first if you want to talk it through.

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I help in English, Hindi, Punjabi and more. Rebate programs and eligibility are set by government and can change; your check confirms current rules for your situation. Pooja Oberoi, Mortgage Agent Level 1, Mortgage Alliance, Lic #10530, regulated by FSRA.

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USA & Ontario · Mortgage Calculator

What would the monthly payment actually look like?

This is usually the first real question in any home search, so let us answer it properly. Pick your side of the border, type in the home price, the down payment you have in mind, a rate and a term, and the estimate updates as you go. It covers principal and interest, which is the part of the payment your loan itself controls.

Mortgage calculator for the USA (USD)

For purchases and refinances in the United States. Try a few different down payments and terms and notice how much the structure of the loan matters, not just the rate.

Estimated monthly principal and interest
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Mortgage calculator for Ontario (CAD)

For purchases, renewals and refinances in Ontario. Canadian mortgages compound interest twice a year rather than monthly, and this calculator follows that Canadian method, so the estimate matches how your payment would really be built.

Estimated monthly principal and interest
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What the calculator cannot see

Two homes at the same price can carry very different monthly costs. Property taxes change from one town to the next. Insurance depends on the home itself. Some loans carry mortgage insurance for a while and some never do. And the program you qualify for can change the picture more than a small difference in rate ever will.

So use the calculator to get oriented, then bring your numbers to a free call. In about thirty minutes we turn the estimate into your real range, with taxes, insurance and your actual programs included, whether you are buying in the USA or in Ontario. I help in English, Hindi, Punjabi and more.

Book a Free Call USA 704-575-0227 Canada 647-990-6958

This estimate is for illustration only. It is not a rate quote, a pre approval or a promise to lend. Your actual payment, rate and terms depend on your credit, the property, the program and lender approval. Property taxes, home insurance, mortgage insurance and HOA dues are not included, and on a real file they matter, which is exactly why the free call exists. USA: Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464. Canada: Pooja Oberoi, Mortgage Agent Level 1, Mortgage Alliance, Lic #10530, regulated by FSRA.

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Blog · USA & Ontario

Notes from my mortgage desk.

Most mortgage confusion does not come from bad math. It comes from advice written for somebody else, in some other market, under some other rules. These articles come from real files and real conversations with my clients in the USA and in Ontario, and each one is written the way I would explain it across the desk. Start wherever your situation sounds familiar.

USA · First Time Buyers · Nov 11, 2026

How First Time Buyers Actually Get Into Their First Home

The twenty percent myth, the assistance programs most buyers never hear about, and what to fix first when you are starting from renting.

Read the Article → Ontario · Renewals · Nov 11, 2026

Before You Sign That Renewal Letter: Read This First

Your bank designed that letter to be signed in thirty seconds. Here is what a few weeks of comparing can do instead.

Read the Article → USA · Declined Files · Nov 10, 2026

Your Loan Was Declined. That Might Not Be the Final Answer.

One lender read your file one way and stopped. Some lenders can now read it a second way, and files change because of it.

Read the Article → USA · Self Employed · Nov 6, 2026

Self Employed and Buying a Home: Your Tax Return Is Not the Whole Story

Your accountant did a great job. Your underwriter just cannot see it. Bank statement and profit and loss programs read the income that is really there.

Read the Article → Ontario · Toronto and GTA · Nov 5, 2026

Toronto Buyers Pay Land Transfer Tax Twice. Here Are the Rebates That Help.

Ontario charges it. Toronto charges it again. Eligible first time buyers can claim money back from both, if the rebates are set up on time.

Read the Article → USA & Ontario · Tools

Run Your Own Numbers First

Every article here ends in a conversation, but you can start with the math. Estimate your monthly payment in USD or CAD right now.

Open the Mortgage Calculator →
Book a Free Call USA Questions and Answers Ontario Questions and Answers

Prefer to talk it out? I help in English, Hindi, Punjabi and more. USA 704-575-0227 · Canada 647-990-6958.

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USA · Questions and Answers

USA mortgage questions, answered the way I answer them on the phone.

These are the questions clients and realtors ask me most, in Charlotte and across the states I serve. Short answers first, honest ones always. Anything about your own file deserves a real conversation, and the first one is free.

Ontario Questions and Answers Mortgage Calculator Read the Blog
How much does it cost to work with you?
For most borrowers, nothing out of pocket for the advice itself. I am compensated through the lender side of the transaction, and any costs tied to your loan, such as an appraisal or lender fees, are disclosed to you in writing early in the process, before you commit to anything. The first call, the reviews and the plans on this site are free.
Which states can you help me in?
I am personally licensed in North Carolina, South Carolina, Indiana and Florida, and those are the states where I handle files directly. Through Edge Home Finance, loans can be generated in all 49 states except New York, so if your purchase is somewhere else, call me and I will connect your file with the right licensed support inside Edge.
Do I need twenty percent down to buy a home?
No. That figure is a leftover from another era. Many buyers purchase with far less down, and how much you bring depends on your credit score, the program and the home. Anyone who quotes you one flat down payment number without seeing your file is guessing, and guessing is not a plan.
Is down payment assistance only available in North Carolina?
Not at all. North Carolina has well known state programs, and they genuinely help a lot of buyers here, but assistance is much broader than one state. I work with multiple down payment assistance programs that pair with FHA and conventional loans across the states I serve. For eligible buyers, assistance can run up to 3.5 to 5 percent, which may cover some or all of the down payment. Eligibility rules vary by program, and your free buyer plan call will show you exactly which ones fit your file.
What credit score do I need to qualify?
There is no single number, because programs set different floors and the rest of your file matters too. Some of my lenders can also read your file with VantageScore in addition to FICO, which gives some borrowers a second way to qualify. The honest answer comes from looking at your full picture, and that is what the free call is for.
I was already declined by a lender. Is it worth calling you?
Very often, yes. Files get declined for reasons that another lender or another program reads differently, including scores that fall short under one model and pass under another. My free Second Read reviews what happened and gives you a straight answer about whether a different path exists.
I am self employed. Do I need two years of history?
Not necessarily. Two years is the traditional standard, but bank statement and profit and loss programs can work with shorter histories, sometimes around a year, and sometimes less when you have solid prior experience in the same line of work. Bring your statements and we will see what your income really supports.
I am a veteran. Where do we start?
We start with a free entitlement review. We look at your Certificate of Eligibility together, confirm how much entitlement you have available, and map what you can buy before you fall in love with a house. Many eligible veterans buy with no down payment and no monthly mortgage insurance.
How long does it take to close?
Once you are under contract, many purchases close in about thirty to forty five days. Refinances can be quicker or slower depending on the file. Your plan will include a timeline built around your contract and your life, not a generic promise.
When does refinancing actually make sense?
When the new loan leaves you better off after its costs are counted, whether that means a lower payment, a shorter term, or cash put to work on something that matters. If the numbers say wait, I will tell you to wait. That honest break even conversation is part of every refinance review I do.
Can you help real estate investors?
Yes. DSCR loans qualify you on the rent a property brings in rather than your personal pay stubs, and they cover purchases, refinances and cash out on rentals, including many recently purchased properties. Bring me the property and the rent and I will run the ratio for you, free.
What languages can we speak?
English, Hindi and Punjabi, and more besides. Mortgage paperwork is stressful enough without doing it in your second language. Tell me what you are most comfortable in and we will work that way.
How do I apply?
There are two easy doors. Book a free call and we talk it through first, or start the application directly through my Edge Home Finance page. Either way, you will know your next step before we hang up.

Still have a question about your file?

Book a free call or start your application. USA clients reach me fastest at 704-575-0227.

Book a Free Call

I help in English, Hindi, Punjabi and more. Answers are general information, not lending advice for a specific file. Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464. All loans are subject to credit and property approval. Equal Housing Opportunity.

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Ontario · Questions and Answers

Ontario mortgage questions, answered the way I answer them on the phone.

Renewals, rebates, switching lenders and buying a first home in Toronto come up again and again in my Ontario calls. Here are the answers I give on the phone. If your situation is a little different, call me and we will talk about your own file. The first call is free.

USA Questions and Answers Mortgage Calculator Read the Blog
Should I just sign my bank renewal letter?
Please get a quote first. That letter is your bank’s first offer, and first offers are rarely the best a lender can do. A free renewal review puts real offers from across my lender network beside that letter, in plain numbers. If signing with your bank truly is your best move, I will tell you so.
When should I start my renewal?
Three to four months before your renewal date is the sweet spot. It leaves room to hold a rate, compare offers properly and move without rushing. Closer to the date still works. Even a few weeks out, comparing beats signing blind.
Does switching lenders cost me money?
On a straight switch, often very little or nothing at all. Many lenders cover transfer and appraisal costs, and on most standard files I am paid by the lender rather than by you. If your situation involves a refinance or a change to the mortgage itself, we price everything out in the open before you decide.
What is the stress test, and does it apply to me?
The stress test means qualifying at a rate higher than the one you will actually pay, to show the payment still fits if rates rise. It applies to most new mortgages and switches in Canada. It is one of the reasons starting early matters, because the numbers need room to work.
How much down payment do I need in Ontario?
For most homes, the minimum down payment is five percent of the first five hundred thousand dollars of the price, and ten percent of the portion above that. Homes at higher price points follow their own rules. What you should bring can also differ from the minimum once we look at your full picture, and we will work that out together rather than guessing.
I am buying my first home in Toronto. What help exists?
More than most buyers realize. Eligible first time buyers can claim the Ontario land transfer tax refund of up to $4,000 and the Toronto rebate of up to $4,475, and in most cases they are applied right at closing through your lawyer. There is also the First Home Savings Account, the federal Home Buyers Plan, and the new housing rebate on eligible new builds. A free rebate check maps all of it for your purchase before you buy.
I am self employed. Can I still get a mortgage?
Yes, and you are not limited to whatever your tax return shows. Lenders in my network have programs that look at bank statements and other proof of what your business actually earns. Newer businesses can work too, especially where you have experience in the same field. Bring your numbers and we will find the honest version of your income.
I am new to Canada. Where do I begin?
Begin with a conversation, not an application. Newcomer programs exist for buyers with work permits and for new permanent residents, and they are built for people whose credit history lives in another country. We will map what you qualify for now, and what a few months of planning could open up.
What does a mortgage agent cost?
On most standard purchases, renewals and switches, nothing. I am paid by the lender once your mortgage funds. If a file ever involves a fee, it is disclosed to you clearly and in writing before you proceed. The call, the quote and the rebate check are always free.
Can you beat my bank rate?
Sometimes the answer is a better rate. Sometimes it is a better structure, a longer rate hold, or terms that save you far more than a small rate gap would. I shop across lenders your bank will never show you and bring you the full picture, rate included, so the comparison is honest.
How long does the process take?
A pre approval conversation can happen this week. Once you have an accepted offer, most files fund on the closing date your deal already sets, and switches and renewals are usually arranged well ahead of the renewal date. Starting three to four months out at renewal keeps everything calm.
What languages can we speak?
English, Hindi and Punjabi, and more besides. A mortgage is one of the biggest documents you will ever sign. You deserve to understand every line of it in the language you think in.
How do I apply in Canada?
Book a free call and we will talk it through, or start the application directly through my Mortgage Alliance page. Either way, nothing is submitted anywhere until you have seen your options and said yes.

Still have a question about your file?

Book a free call or start your application. Ontario clients reach me fastest at 647-990-6958.

Book a Free Call

I help in English, Hindi, Punjabi and more. Answers are general information, not advice for a specific file. Pooja Oberoi, Mortgage Agent Level 1, Mortgage Alliance, Lic #10530, regulated by FSRA. All mortgages are subject to lender approval.

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USA · First Time Buyers

How First Time Buyers Actually Get Into Their First Home

By Pooja Oberoi · Nov 11, 2026 · Charlotte, NC

Almost every first time buyer I meet says some version of the same sentence. We would love to buy, but we are nowhere near ready. Then we sit down with their real numbers, and ready turns out to be much closer than the story in their head. The gap is rarely money. The gap is a map.

The twenty percent myth

The biggest myth in home buying is that you need twenty percent saved before you are allowed to start. That figure comes from a different era, and it quietly stops more families than any interest rate ever has. Plenty of buyers purchase with far less down. How much you actually need depends on your credit, the program and the home itself. There is no single number that fits everyone, and anyone who hands you one without seeing your file is guessing.

Assistance is not a North Carolina secret

Here is something else buyers rarely hear. Down payment assistance is not limited to one state or one program. I work with multiple assistance programs that pair with FHA and conventional loans, and for eligible buyers the assistance can run up to 3.5 to 5 percent. That can cover some or all of a down payment. North Carolina has its own well known programs, and they are a genuine help to buyers here in Charlotte and across the state, but they are one example of a much bigger menu that reaches across the states I serve. Eligibility always matters, and the only way to know where you stand is to have your file looked at properly.

What to fix first, and what to leave alone

Not every problem needs solving before you buy. Some buyers should pay a card down. Others should leave their savings exactly where they are. A few need three months of patience and a cleaner paper trail. The order matters, and fixing the wrong thing first can actually set you back. This is the part a plan handles, and it is why I build one with every first time buyer before they ever tour a home.

Your next step

If renting has started to feel like paying for a life you are not building, book a free buyer plan call. We will look at your price range, the assistance programs you may qualify for, and the exact steps between today and your closing day. No jargon, and no judgment about where you are starting from.

Book My Free Buyer Plan Call 704-575-0227 First Time Buyer Programs

I help in English, Hindi, Punjabi and more. Program availability and eligibility vary by state, property and borrower profile. Assistance amounts and terms are set by each program and are subject to change. Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464.

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USA · Declined Files and Refinances

Your Loan Was Declined. That Might Not Be the Final Answer.

By Pooja Oberoi · Nov 10, 2026 · Charlotte, NC

The worst phone call in real estate goes like this. The buyer found the house. The offer was accepted. Then the lender calls and says the loan is declined, usually because a credit score landed a few points short of a line in a guideline. The family hears the word no and assumes it is final. Very often, it is not.

One score is only one way of reading you

Most lenders read a credit file one way, through the traditional FICO score, and when the number falls short the file simply stops. But FICO is not the only scoring model out there. VantageScore reads much of the same information through a different lens, and for some borrowers it produces a meaningfully different result. Some of my lender partners can now evaluate a file using VantageScore as well as FICO, on conventional and VA loans and on select bank statement and investor programs.

What a Second Read actually is

A Second Read is a free review of a declined or stalled file. I look at why the first lender said no, then read the file again the other way where the program allows it. Sometimes the answer is still no, and I will tell you that honestly, along with what would need to change and how long it might take. Sometimes the file qualifies as it stands, and a family that was ready to give up gets to keep the home they are under contract on.

For realtors, this is a save worth knowing about

If you are an agent holding a file that just died, do not let your buyer walk away before it has been read twice. With your client’s permission, I will review the file, keep you in the loop at every step, and give you a straight answer quickly. Your client stays your client. I am simply the second set of eyes.

Your next step

Homeowners, bring me the purchase or refinance you were told to forget. Agents, send me the file. The review is free, and the worst outcome is a clear explanation of exactly where things stand.

Book My Free Second Read Call 704-575-0227 Refinance and Second Read

I help in English, Hindi, Punjabi and more. Score options vary by lender and program. A second read does not guarantee approval. Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464.

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USA · Self Employed Buyers

Self Employed and Buying a Home: Your Tax Return Is Not the Whole Story

By Pooja Oberoi · Nov 6, 2026 · Charlotte, NC

Every spring, self employed clients live the same contradiction. Their accountant works hard to lower their taxable income, and does it well. Then a mortgage underwriter reads that same tax return and concludes they cannot afford a home. Both people did their jobs. The file is what suffers.

Your tax return was never written for a lender

A tax return is designed to show the government the smallest legal version of your income. A mortgage file needs the opposite view, the money that actually moves through your business month after month. When those two views disagree, traditional lending trusts the return. That is why so many thriving business owners get told no, and why so many of them believe the no.

Bank statement and profit and loss programs

Bank statement loans look at the deposits across twelve or twenty four months of statements and build income from what is really there. Profit and loss programs use a statement prepared by your CPA in place of full tax returns. There are also options built for 1099 earners and contract professionals. None of these are shortcuts around affordability. They are simply a more honest way of measuring it, for people whose income does not arrive in a W2 box.

About the two year rule

You do not necessarily need two years of self employment to qualify. Two years is the traditional standard, and it is the one most lenders repeat. But several programs accept a shorter history, in some cases around a year, and sometimes less when you spent years doing the same work as an employee before going out on your own. If you have been told to come back in a year, it is worth a second conversation before you accept that.

Your next step

Bring a few months of bank statements or your profit and loss statement to a free review. I will show you how your income looks through a lender’s eyes, and which program fits it best.

Book My Free Review Call 704-575-0227 Self Employed and P&L Loans

I help in English, Hindi, Punjabi and more. These programs are subject to lender guidelines and approval. Pooja Oberoi, NMLS #2024915, Edge Home Finance, LLC, NMLS #891464.

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Ontario · Mortgage Renewals

Before You Sign That Renewal Letter: Read This First

By Pooja Oberoi · Nov 11, 2026 · Toronto, Ontario

The renewal letter arrives in the middle of a busy week. Your bank has helpfully filled in a new rate and a signature line, and signing takes about thirty seconds. That convenience is the product. The letter is designed to be signed, not compared.

Your bank’s first offer is a starting point

Banks know that most people sign the first offer they are given, so the first offer is rarely the best one they could make. It is simply the one they lead with. Meanwhile, other lenders would compete for your mortgage if they only knew you were looking. Renewal is one of the few moments in the life of a mortgage where the lenders should be working to win you, not the other way around.

Switching is simpler than most people think

A straight switch to a new lender usually involves a simpler qualification than a brand new mortgage, and many lenders cover the transfer and appraisal costs. You can also use renewal to restructure rather than just renew, adjusting your term, your amortization or your payment to fit the life you are living now, rather than the one you had five years ago. The mortgage should fit the family. The family should not have to fit the mortgage.

Start earlier than feels necessary

The sweet spot is three to four months before your renewal date. That gives us time to hold a rate while you decide, compare real offers side by side, and move without a deadline squeezing the conversation. Even a few weeks out, a quote is worth having before anything gets signed.

Your next step

Send me your renewal letter and I will quote your mortgage across my lender network, in plain numbers, right beside the offer in front of you. If signing with your bank truly is your best move, I will tell you so. The review is free, and on most standard renewals I am paid by the lender, not by you.

Book My Free Renewal Review Call 647-990-6958 Mortgage Renewal in Ontario

I help in English, Hindi, Punjabi and more. Pooja Oberoi, Mortgage Agent Level 1, Mortgage Alliance, Lic #10530, regulated by FSRA. Renewal offers are subject to lender approval.

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Ontario · Toronto and GTA Buyers

Toronto Buyers Pay Land Transfer Tax Twice. Here Are the Rebates That Help.

By Pooja Oberoi · Nov 5, 2026 · Toronto, Ontario

Toronto first time buyers get a surprise late in the process, usually from their lawyer, and it is not a pleasant one. On top of the Ontario land transfer tax, the City of Toronto charges its own. Two levels of government, two taxes, on the same purchase, landing at the exact moment when every dollar already has a job.

Two rebates answer the double tax

What softens this is that both levels also offer a rebate to eligible first time buyers. The Ontario refund can reach up to $4,000, and the Toronto rebate can reach up to $4,475. Claimed properly, that is real money back into a purchase that needs it. Claimed late or filed wrongly, it can be delayed or missed entirely, and many buyers only learn the rebates exist after closing, when nothing can be done.

Who counts as a first time buyer

Generally, you must not have owned a home anywhere in the world, and the rules also look at whether a spouse has owned one. The details matter more than the headlines. A buyer who owned years ago, or whose partner owns now, can land in a very different place than they expected. This is exactly why the check happens before you buy, while the answer can still shape the plan.

Rebates are one layer of the help available

Alongside the land transfer tax rebates, we look at the First Home Savings Account, the federal Home Buyers Plan, and the GST or HST new housing rebate where a new build is involved. Stacked properly, these programs change what a first purchase actually costs. Missed entirely, the very same purchase costs thousands more.

Your next step

Book a free rebate check before you start shopping in earnest. We will confirm your first time buyer status, map every rebate and program you may qualify for, and build them into your purchase budget from day one, so closing day holds no surprises.

Book My Free Rebate Check Call 647-990-6958 Toronto Buyer Rebates

I help in English, Hindi, Punjabi and more. Rebate and program rules are set by government and can change. Your check confirms the current rules for your situation. Pooja Oberoi, Mortgage Agent Level 1, Mortgage Alliance, Lic #10530, regulated by FSRA.

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