I understand before recommending.
Your goals, concerns, timeline, monthly comfort level, and complete financial picture come before any loan program.
Meet Chris
Big decisions need personal guidance.
I’m Chris Schults, a Michigan mortgage loan officer with Edge Home Finance, LLC. I compare options across more than 170 wholesale lenders, explain the differences in plain English, and stay personally involved from our first conversation through closing.
You won’t be handed off to someone who doesn’t know your story. When you have a question, you can call me directly.
No pressure. No obligation. Just a conversation about where you are, what you want to accomplish, and what may be possible.
Chris Schults · NMLS #2838383
Edge Home Finance, LLC · NMLS #891464
▶ Meet Chris SchultsMeet the person you’ll actually work with.
The person behind the mortgage
A husband, father of five, runner, coach, and neighbor.
My wife and I are raising five children in the Ann Arbor area. Our home is busy, rarely quiet, and full of different personalities, schedules, needs, and plans.
That perspective matters when I help someone buy or refinance a home. A mortgage decision does not happen in isolation. It affects your monthly budget, your family, your future plans, and how secure you feel moving forward.
I know clients are balancing work, family, deadlines, uncertainty, and sometimes a little stress. My goal is to make the mortgage process easier to understand—not add another source of confusion to your life.
Away from work, I’m usually spending time with my family, running, coaching a children’s science team, or tackling another project around our home.
Your mortgage is more than a transaction. It is part of the life you are building.
Home baseAnn Arbor area, Michigan
FamilyHusband and father of five
Outside of workRunning, coaching, and family time
Working styleAccessible, direct, and detail-oriented
Experience that helps me help you
People first. Clear decisions. Personal ownership.
Before becoming a mortgage loan officer, I spent more than 15 years helping grow businesses, leading sales and marketing teams, and guiding people through important, high-value decisions.
That experience taught me that trust is built by listening carefully, explaining complicated information clearly, responding when people need you, and taking ownership when something needs to be solved.
I also work extensively with technology and automation. I use those tools to respond faster, stay organized, and keep the process moving—but never to replace the human conversation you deserve when making a major financial decision.
The broker advantage
More lenders give us more ways to find the right fit.
Banks and direct lenders generally offer their own products. As an independent mortgage broker, I can compare options from more than 50 wholesale lenders using one application.
Interest rates and lender costs
Monthly payment options
Down-payment requirements
Cash needed at closing
Credit and income guidelines
Loan terms and overall cost
More choices do not automatically make the decision easier. My role is to narrow the options, explain the meaningful differences, and help you choose what fits your circumstances.
A personal mortgage experience
What working with me looks like
Good mortgage guidance is not just about finding a rate. It is about understanding your goals, showing you the complete numbers, and keeping you informed from the first conversation through closing.
I show you the complete numbers.
We will compare the rate, payment, closing costs, cash needed, loan structure, and longer-term financial impact.
I communicate proactively.
You will know what is happening, what comes next, and whether anything needs your attention.
I personally own the process.
I remain accessible and work with you, your real estate agent, the lender, and the other people involved to keep things moving.
Wherever you are starting
You don’t need to have everything figured out before we talk.
Some people contact me ready to make an offer. Others are six or twelve months away and simply want to understand what they should do next.
You may be unsure about your credit, down payment, monthly budget, interest rates, or whether buying or refinancing makes sense at all. That is completely normal.
My job is not to pressure you into a loan. It is to help you understand your position, identify realistic options, and determine the next appropriate step—even when that step is preparing rather than applying today.
First-time homebuyersMove-up buyersExperienced homeownersHomeowners considering refinancingBorrowers who need a plan
A conversation is the first step
Let’s start with what you’re trying to accomplish.
You do not need to know which loan program you want or have every document ready. Tell me where you are, what you are considering, and what questions you have.
I’ll help you understand the possibilities, the obstacles, and the best next step.