Experienced Mortgage Guidance, Wherever Home Takes You
Jeff Hess and Meredith Fire-Hess are a husband-and-wife mortgage team with more than 20 years of experience each. We help buyers and homeowners compare purchase, refinance, home-equity and specialty loan options, understand the numbers and move forward with clear, personal guidance.
Choose the Right Mortgage Path
Explore the financing options that most closely match your goals. When you are ready, Jeff and Meredith can help you compare the details and identify a practical next step.
Compare Loan Options
Review conventional, FHA, USDA, jumbo, doctor, bank statement, construction and other mortgage programs for different borrowers and properties.
View all loan optionsUse Your VA Benefit
Explore VA purchase, streamline refinance and cash-out options for eligible veterans, service members and qualifying surviving spouses.
Explore VA loan optionsAccess Home Equity
Learn how a home equity line of credit may provide flexible access to available equity without replacing your current first mortgage.
Explore home-equity optionsGet Personal Guidance
Tell Jeff and Meredith what you want to accomplish. They will help you narrow down the possibilities and determine the right next step.
Start a conversationMore lenders means more ways to find the right fit.
Through Edge Home Finance, we have access to more than 150 lending partners. That allows us to compare available loan programs, pricing, costs and qualification guidelines based on your goals, property and financial profile.
Available lenders, programs, pricing and eligibility vary by borrower, property, loan purpose and location.Two Experienced Loan Officers. One Personal Team.
We are Meredith Fire-Hess and Jeff Hess, a husband-and-wife mortgage team with more than 20 years of experience each, including 15 years as broker-owners of Blue Stripe Mortgage.
Today, as Senior Loan Officers with Edge Home Finance, we pair the personal guidance you expect from a small team with broader loan options and support. You will work directly with us from the first conversation through closing.
Mortgage Support That Moves With You
Meredith and Jeff are licensed to serve borrowers directly in Maine and Florida. If your plans take you elsewhere, you still have a trusted place to begin.
Through the Edge Home Finance network, we can personally connect you with an experienced loan officer licensed in that state and make an introduction based on your location and mortgage needs.
What Shapes Your Mortgage Rate?
Your mortgage rate is based on more than the market alone. Lenders evaluate the details of your loan, property and financial profile. These are six of the biggest factors.
Credit Score
A stronger credit profile can expand your program choices and may qualify you for better mortgage pricing.
Down Payment
The amount you invest affects loan-to-value, mortgage insurance, monthly payment, cash to close and pricing.
Loan Type
Conventional, FHA, VA, jumbo and specialty loan programs follow different guidelines and pricing models.
Occupancy
Primary residences, second homes and investment properties are evaluated and priced differently.
Property Type
Single-family homes, condos, multi-unit properties and manufactured homes can each affect available programs and pricing.
Discount Points
Points can lower your rate, while lender credits may reduce upfront costs in exchange for a higher rate.
We will help you compare the rate, monthly payment, upfront costs and long-term plan together.
What Past Clients Say About Working With Meredith and Jeff
Read feedback from homebuyers and homeowners we assisted with purchases, refinances, VA loans and other mortgage needs.
Questions Before You Apply?
Call or text either of us for clear answers about loan options, payments, qualifications, timing or next steps.