Give Yourself the Buyer’s Edge

Every home below comes with a built-in Buyer's Edge credit - real savings toward your closing costs or monthly payment. Click a home below to see exactly how much you could save.

Exterior$18k Your Way
$470,000
121 Meadows Landing Ln
Suffolk, VA
5 Beds3 Baths2,765 Sqft
Exterior$13k Your Way
$399,000
3023 Big Bend Drive
Chesapeake, VA
3 Beds3 Baths2,093 Sqft
Exterior$12k Your Way
$319,000
320 Hicks Ave
Norfolk, VA
3 Beds1 Baths1,000 Sqft
Exterior of home$11k Your Way
$300,000
3501 Arlington Pl
Portsmouth, VA
4 Beds2 Baths1,800 Sqft
Living Room$11k Your Way
$295,000
1 Sandy Point Ln #216
Chesapeake, VA
3 Beds2 Baths1,764 Sqft
Pine Exterior$7k Your WayUnder Contract
$219,000
146 Pine St
Suffolk, VA
3 Beds1 Baths1,160 Sqft

What is Buyer's Edge?

Buyer's Edge is changing the game in home financing. This innovative program turns your concessions and lender credits into powerful tools, helping you lower your interest rate, reduce out-of-pocket costs, or both.

  • Use the savings your way — you choose where the credit goes
  • Reduce your closing costs
  • Buy down your interest rate
  • Combine seller and lender credits for maximum benefit

$10,000 assumes minimum down payment. Adjustments to interest rate for FICO below 700. Terms and conditions apply.

Your credit. Your call. Your Edge.

Ready to get your
dream home for less?

Let’s talk about what a Buyer’s Edge credit could save you.

Melissa Rishel
Melissa Rishel
Homespire Mortgage | Loan Officer
NMLS# 2148318
📞  757.418.0939✉️  mrishel@homespiremortgage.com
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Equal Housing Lender

Equal Housing Lender. Homespire Home Loans is a Division of NFM Lending, LLC (homespirehomeloans.com) NFM NMLS #2893. nmlsconsumeraccess.org. © 2026 NFM Lending LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending LLC and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. www.nfmlending.com. This is not a commitment to lend. All loan programs are subject to credit approval, underwriting guidelines, and program availability. Some products may not be available in all states. Terms, rates, and payments shown are examples for illustrative purposes only and may not reflect current market conditions or borrower-specific scenarios. Interest rates, annual percentage rate (APR), and payment amounts will vary based on factors including but not limited to credit score, loan type, occupancy, loan-to-value ratio, debt-to-income ratio, and market conditions. Monthly payment examples reflect principal and interest only and do not include taxes, insurance, mortgage insurance, or homeowner association dues. Actual total monthly payment will be higher. Buyer’s Edge is specific to the subject property and may not be available for all transactions. Buyer’s Edge cannot be utilized with loans through certain Housing Finance Agency (HFA) programs. Program eligibility, structure, and benefits may vary based on transaction terms. Temporary or permanent interest rate buydowns may be available. Temporary buydowns will result in a higher payment after the initial buydown period ends. Contact a licensed loan professional for full payment details and amortization schedule. Seller concessions and lender credits are subject to maximum allowable limits based on loan program guidelines (including Conventional, FHA, VA, and other applicable programs) and must be negotiated as part of the purchase agreement. Borrowers are not required to use any specific lender to purchase a home. You are encouraged to shop for the loan that best meets your needs. This advertisement is intended for informational purposes only and is not intended to indicate borrower eligibility or guarantee loan approval. Program terms and conditions are subject to change without notice. Some restrictions apply. Borrowers will receive the lender credit towards their closing costs. In some instances, the credit may be less due to loan program restrictions. The lender credit of up to amount listed on property can be redeemed once the loan closes with NFM Lending Branch VA678 located at 4190 South Plaza Trail, Ste. 103, Virginia Beach, VA, USA. Only applies to new loan applications and not valid at other locations or for loans that have already locked. This credit is not redeemable for cash or cash equivalents. Void where prohibited by law. This credit expires at 5:00 P.M. EST on 12/31/26.

Melissa Rishel NMLS# 2148318.

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