About Us

About Me

With over 2 decades of experience in home lending, I provide expert guidance through every stage of your homeownership journey—whether you’re buying, refinancing, or building your dream home. Market conditions and mortgage programs are constantly evolving, and I ensure you receive quick, accurate advice tailored to your unique financial goals.

I am dedicated to offering personalized solutions that fit your needs, from credit restoration and financial education to finding the best home loan options. Whether it’s your first home, a second property, or a refinance, I’m here to help you make informed decisions that align with your long-term goals.

My mission is simple: to exceed your expectations with exceptional service and guidance every step of the way. Browse my website for loan programs, tools, and calculators, and apply in just four easy steps. After applying, I’ll personally reach out to discuss your options and help you secure the best mortgage for your future.

Let’s work together to make your homeownership dreams a reality. #BOSSUP @MORTGAGEBOSS365

Licensed in AZ & TX


Let’s Bust a Move Toward Your Homeownership Goals

At Mortgage Boss 365 Powered by Edge Home Finance, LLC, we believe getting a mortgage should feel straightforward, informed, and personalized. Darwin Earl, NMLS 219343, is committed to helping homebuyers, homeowners, and investors explore financing options that align with their goals. Whether you’re purchasing your first home, refinancing, or investing in real estate, you can count on responsive guidance and a clear path forward. Time to Bust A Move!

Richard Thomas Ellis – Pilgrim Mortgage
Corporate Address: 8900 Business Park Dr. Austin, TX 78759

Charles Munoz NMLS# 785783 7450 Campus Drive, Colorado Springs, CO, 80920 Phone: (719-301-3009)  

Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.

Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC. 
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.

NMLS License #2611 – For licensing information, go to: www.nmlsconsumeraccess.org

Arizona Mortgage Banker License #0907078


3940 N. Ravenswood Ave Chicago, IL 60613

Operating as Guaranteed Rate, Inc. in New York.


The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.

Do not sell my personal information

Drew Gebhart NMLS ID: 1023066; ND – NDMLO1023066 NH – Licensed VA – MLO-25785VA WA – MLO-1023066 AR – 1023066 AZ – LO-2004522 KS – LO.0029312 KY – MC858273 OH – MLO.048171.001 OK – MLO37136 WV – LO-1023066 CA – CA-DFPI1023066 CO – 100044363 MO – 1023066 MS – 1023066 NC – I-228634 OR – 1023066 PA – 109616 CT – LO-1023066 DC – MLO1023066 FL – LO129441 TN – 1023066 IA – 51969 IL – 031.0085578 MI – 1023066

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