Your Premier Lender in Austin

The Lightning Lending Team at Edge Home Finance Team is your premier mortgage team located in Austin, Texas. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Austin area.

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

  • Access to 150+ lenders
  • Free Mortgage Consultations
  • ~$6K average client savings
  • Ability to close in as little as 7 days

Let us help you get your home today.

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Years Experience

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Loans Closed

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Of our clients would recommend us

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Rated mortgage company in Austin
Happy Family

Low Rates. Zero Hassles.

Lightning Lending Team at Edge Home Finance

Start your home loan process here!

The Lightning Lending Team at Edge Home Finance team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate no matter what your needs are.

Josh Whitcomb

Loan Options

We Offer Many Different Loan Programs To Meet Your Needs.

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other financing option, our team of experts will help you find the solution that works best.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Plus, we'll get you the best rate available.

What our clients are saying

  • Josh was one of my ride or dies during my home buying process. He was quick to respond and always on top of everything. Enjoyed my experience with him. Definitely... read more

    Gabrielle Trigo Avatar Gabrielle Trigo
    May 5, 2025

    Josh was great to work with and kept the lines of communication open during the entire transaction. I could always reach him by phone or text and he was... read more

    Lisa Morales Avatar Lisa Morales
    April 30, 2025

    Josh is a wonderful person with a great work ethic! He’s always willing to go the extra mile. I’d work with him on anything.

    Christine Sattler Avatar Christine Sattler
    August 29, 2024
  • You cannot do better than Josh Whitcomb and Lightning Lending!

    Lindsay Smith Avatar Lindsay Smith
    August 29, 2024

    These guys rock, Josh knows how to get killer rates and being a local guy treats you like family. I've recommended him to friends and will continue to do so.

    Daniel M Avatar Daniel M
    August 27, 2024

    Super fast refi! I can't believe we got such a low rate!

    Jim Angsman Avatar Jim Angsman
    August 27, 2024
  • Josh and his team are great 👍🏽

    Richard Torres Avatar Richard Torres
    August 27, 2024

    Josh was very knowledgeable and made the process easy. Would highly recommend Lightning Lending to anyone!!!

    paul case Avatar paul case
    August 27, 2024

    Super friendly, always prompt and great to work with. Highly recommended!

    philip Thorne Avatar philip Thorne
    August 27, 2024
  • Awesome!

    Sara Belvin Avatar Sara Belvin
    August 21, 2024

    Josh is fantastic. So knowledgeable and helpful. Can’t recommend Lightening Lending enough!

    Annie Baxendale Avatar Annie Baxendale
    August 20, 2024

    Josh is fantastic! Not only did he patiently walk me through the process, he got us a really good rate. I highly recommend him.

    Brant Finley Avatar Brant Finley
    August 1, 2024
  • Josh did a fantastic job on our VA buyer. A VA loan already in progress was transferred to him and he was able to get it closed in less... read more

    Karen Crawn Avatar Karen Crawn
    May 12, 2023

    Josh is awesome he had us approved and cleared to close in a 5 day period after another company became deceptive. Very easy to work with and will go to... read more

    Julie Major Avatar Julie Major
    May 11, 2023

    Josh is such a pleasure to work with! He’s kind, knowledgeable and all of my clients love working with him. Thank you for all that you do, Josh. We appreciate... read more

    Beth Rountree - Austin Luxury Realtor Avatar Beth Rountree - Austin Luxury Realtor
    August 19, 2022