Licensing and disclosures
Everything on this page is verifiable. If anything here does not match what you find on NMLS Consumer Access, trust NMLS and tell me.
Identification
| Individual originator | Nick Demiro |
|---|---|
| Title | Licensed Mortgage Loan Originator |
| Personal NMLS ID | #1316642 |
| Licensed entity | Edge Home Finance, LLC |
| Company NMLS ID | #891464 |
| Company address | 5860 Baker Road, Minnetonka, MN 55345 |
| Verify | www.nmlsconsumeraccess.org |
Broker status — not a lender
Edge Home Finance, LLC is a licensed mortgage broker. It is not a direct lender, a bank, or a creditor. Edge Home Finance, LLC arranges residential mortgage loans that are underwritten and funded by wholesale lending partners.
Nick Demiro is a Licensed Mortgage Loan Originator acting on behalf of Edge Home Finance, LLC. He is not himself a mortgage broker, lender, banker, or creditor; Edge Home Finance, LLC is the licensed entity.
New York exclusion
Edge Home Finance, LLC is licensed in all U.S. states and the District of Columbia, EXCEPT New York. Edge Home Finance, LLC does not arrange, solicit, or originate mortgage loans for real property located in the State of New York. Nothing on this website is an offer or solicitation to New York consumers or with respect to New York property.
Individual loan originator state licenses
Nick Demiro, NMLS #1316642, holds individual mortgage loan originator licenses in the following 19 states. A loan originator must be licensed in the state where the property is located.
| State | License number | Regulator |
|---|---|---|
| Alabama | 1316642 | Alabama State Banking Department |
| Alaska | AKMLO-1316642 | Alaska Division of Banking and Securities |
| Arizona | LO-1046889 | Arizona Department of Insurance and Financial Institutions |
| California | CA-DFPI1316642 | Licensed by the Department of Financial Protection and Innovation |
| Colorado | 100530482 | Colorado Division of Real Estate |
| Florida | LO29645 | Florida Office of Financial Regulation |
| Illinois | 031.0093283 | Illinois Department of Financial and Professional Regulation |
| Indiana | 1316642 | Indiana Secretary of State, Securities Division |
| Louisiana | 1316642 | Louisiana Office of Financial Institutions |
| Michigan | 1316642 | Michigan Department of Insurance and Financial Services |
| Missouri | 1316642 | Missouri Division of Finance |
| North Carolina | I-230240 | North Carolina Commissioner of Banks |
| Ohio | MLO-OH.1316642 | Ohio Department of Commerce, Division of Financial Institutions |
| South Carolina | 1316642 | South Carolina Department of Consumer Affairs |
| Tennessee | 1316642 | Tennessee Department of Financial Institutions |
| Texas | 1316642 | Texas Department of Savings and Mortgage Lending (SML) |
| Utah | 14259047 | Utah Division of Real Estate |
| Virginia | MLO-73250VA | Virginia Bureau of Financial Institutions |
| Wisconsin | 1316642 | Wisconsin Department of Financial Institutions |
California: Licensed by the Department of Financial Protection and Innovation. No license shown above is expired or lapsed as of publication; licenses are reviewed and this page is updated at each annual renewal. If a license lapses it is removed from this table rather than left in place.
Government non-affiliation
Edge Home Finance, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD), the U.S. Department of Agriculture (USDA), or any other government agency.
No government agency seal or logo appears anywhere on this website, and nothing on it should be read as a government endorsement, sponsorship, or approval of Edge Home Finance, LLC or of any loan program described here.
Equal Housing Opportunity
Edge Home Finance, LLC does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, age, marital status, sexual orientation, gender identity, receipt of public assistance, or the good faith exercise of any right under the Consumer Credit Protection Act.
Consent to be contacted is optional
The consent checkbox on every form on this site is unchecked by default and is not required. You can submit any form without checking it, and you will still get a response. Consent is not a condition of purchasing any property, goods, or services. If you do consent, you may withdraw it at any time by replying STOP to a text message, by asking during a call, or by emailing nick.demiro@edgehomefinance.com.
No rates, no offers
This website publishes no interest rates, annual percentage rates, payment amounts, down-payment amounts or percentages, loan terms, or finance charges. The calculators on this site produce estimates from figures that you enter and do not suggest, supply, or imply any rate or term.
Nothing on this website is a loan offer, quote, rate lock, pre-approval, or commitment to lend. All loans are subject to credit approval, underwriting, appraisal, and program guidelines, which are subject to change without notice. Program availability varies by state and by lender.
PLACEHOLDER — state-specific disclosures
Several states require website or advertising notices beyond the standard Edge set. Texas (Department of Savings and Mortgage Lending) in particular requires a consumer complaint and recovery fund notice for mortgage originators. Others among the 19 may require their own language.
Edge Compliance has not yet confirmed which state-specific notices must appear on this site. Once they do, paste the exact required wording here verbatim — do not paraphrase state-mandated language — and delete this yellow box.
Do not publish this site until that confirmation is in hand.
Questions or complaints
Contact Nick Demiro at (248) 860-3957 or nick.demiro@edgehomefinance.com, or write to Edge Home Finance, LLC at 5860 Baker Road, Minnetonka, MN 55345. You may also look up either NMLS record and file a complaint through NMLS Consumer Access or with your state regulator listed in the table above.
Page last reviewed: PLACEHOLDER — date of Edge Compliance approval