Buying, refinancing or investing? Get a mortgage strategy built around your life—not around one bank's limited menu.
Get Pre-Approved → How It Works
Johnny Kupcik has spent 15 years in the mortgage industry, progressing from the call center to Senior Loan Officer, Team Lead, Sales Manager and Branch Manager. Today, as a Loan Officer with Edge Home Finance, LLC, an independent mortgage broker, he brings that experience to the wholesale side—giving clients access to more choices and a strategy built for their situation.
Johnny's approach is straightforward: educate first, communicate constantly and execute quickly. The goal isn't to sell you a mortgage. It's to help you understand the numbers and choose the right path forward.
Work With Johnny
Johnny The Mortgage Guy is individually licensed in 24 states. Through the Edge Home Finance team, clients can be assisted with mortgage financing in every state except New York. If your property is outside Johnny's individual licensing footprint, you can be connected with an appropriately licensed member of the team while we work to keep the experience coordinated and moving forward.
Start Here →We learn your goals, timeline, comfort level and what a successful mortgage looks like for you.
Complete your secure application. Where available and authorized, we can begin with a soft credit inquiry and complete a full financial analysis.
We walk through the numbers together, compare scenarios and answer your questions before you make a move.
Once your strategy is set, we reconnect with your real estate agent and help keep everyone moving toward the same goal.
With access to 170+ wholesale lenders, we can compare programs, guidelines and pricing across a broad marketplace rather than forcing every borrower into one lender's box.
Purchase and refinance financing for primary residences, second homes and qualified investment properties.
Explore →Purchase and refinance options designed for eligible veterans, active-duty service members and qualifying borrowers.
Explore →Flexible qualification options that can be especially useful for first-time and lower-down-payment buyers.
Explore →A step-by-step plan covering down payment, cash to close, payment comfort and pre-approval strategy.
Explore →Specialty solutions for investors, self-employed borrowers and scenarios outside standard agency guidelines.
Explore →Rate/term, cash-out and home-equity strategies evaluated against your overall financial goals.
Explore →Fast communication and clear expectations matter just as much as the loan program. Johnny works to keep the borrower and agent informed from pre-approval through closing.
Here’s my life in pictures: family, friends, ballgames and everything in between. I want you to know the person you’re trusting with one of life’s biggest financial decisions.
Johnny spent 15 years working his way from the call center through senior production, team leadership, sales management and branch management before moving to the broker channel. If you're a loan officer curious about Edge Home Finance or what life on the broker side can look like, start a conversation with Johnny.
No recruiting pitch required. Ask the questions you actually want answered about lender access, technology, operations, compensation structure and making the transition.
Mortgage origination services and W-2 employment opportunities are provided through Edge Home Finance, LLC, an equal opportunity employer.
440-465-7688
614-660-8193
Office: 614-600-8193
john.kupcik@edgehomefinance.com
Real client feedback is one of the best ways to understand what working with Johnny is like. Visit the Google Business profile to read reviews and learn more.
Read Google Reviews →Through Edge Home Finance, Johnny can compare programs and guidelines across multiple wholesale lenders instead of being limited to one institution's offerings. The best fit still depends on your specific scenario.
The process can begin with a soft credit inquiry in situations where the available technology, program and your authorization permit it. A hard inquiry may ultimately be required as part of mortgage qualification.
Closing timelines depend on the loan, property, documentation, appraisal, title and underwriting. Johnny will discuss a realistic timeline for your specific situation.
It varies by program and borrower. Some qualified borrowers may have low- or no-down-payment options, while other transactions require more. We analyze the full cash-to-close picture rather than quoting one universal number.
Our goal is transparent pricing and clear explanation of costs. Mortgage transactions can include lender, broker and third-party charges depending on the loan. Your official disclosures control the actual costs for your transaction.
Tell Johnny what you're trying to accomplish and let's build the plan.
Start My Application →Johnny The Mortgage Guy · Powered by Edge Home Finance, LLC