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Last updated: September 2026
This website is an advertisement.whyedi.com is the personal marketing website of Edi Shek, a licensed Mortgage Loan Originator (NMLS# 216981) and licensed Texas REALTOR® (TREC# 845244). It is provided for general informational and marketing purposes only. It is not a loan application, an approval or pre-approval, a commitment to lend, or an offer to enter into an interest-rate or rate-lock agreement. Using this site does not create a lender–borrower or loan-originator–borrower relationship.
This website is operated by Edi Shek, Mortgage Loan Originator & REALTOR®, NMLS# 216981 | TREC# 845244. Mortgage origination services are provided through his sponsoring companies:
whyedi.com is a personal marketing site and is not itself a lender or a mortgage broker. Every loan inquiry, application, and transaction is conducted through, and is subject to the policies, disclosures, and supervision of, the applicable sponsoring company. Which company a given transaction runs through depends on the loan program and the property state.
All content on this website, and all newsletters, digests, and updates sent from it, are marketing communications for general information. Nothing here is individualized advice or a solicitation in any state where Edi Shek or the applicable company is not licensed.
Nothing on this website is an approval, pre-approval, commitment, or guarantee of financing, interest rate, loan term, closing cost, or closing date. All loans are subject to a complete application, credit approval, and verification of income, assets, employment, and property value, plus appraisal, title, and underwriting review under then-current agency and investor guidelines. Loan programs, interest rates, fees, points, and availability may change at any time without notice and vary based on state, occupancy, property type, loan amount, loan-to-value, credit profile, and other factors.
This website does not advertise specific interest rates or annual percentage rates (APRs). If a rate, APR, or payment example ever appears anywhere on this site or in an email, it is hypothetical and shown for illustration only, is not an offer or a rate you are guaranteed to receive, and will be accompanied by the disclosures required under the federal Truth in Lending Act (Regulation Z, 12 CFR 1026.24) and the Mortgage Acts and Practices – Advertising Rule (Regulation N, 12 CFR 1014). Contact Edi directly for a personalized quote and a Loan Estimate based on your actual scenario.
Edi Shek — NMLS# 216981.Licensed as a mortgage loan originator in: Alabama; Arizona (LO-2010950); California – DFPI (216981); Colorado; Connecticut; Florida (LO140551); Louisiana; Missouri; Oregon; Pennsylvania; Tennessee; Texas; Virginia; and Washington (MLO-216981).
Company licensing.EYWA Mortgage / NEXA Mortgage, LLC — NMLS# 1660690. ZAPA Mortgage, Inc. — NMLS# 357630.
Edi Shek and his sponsoring companies may only conduct mortgage business in states where both the individual and the company hold an active, current license or authorization. The complete and controlling list of individual and company licenses, license numbers, license status, and the activities authorized in each state is maintained on the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access:
If anything on this website conflicts with the licenses, license numbers, or disclosures maintained on NMLS Consumer Access or published by the sponsoring companies, those official records control. State-specific disclosures required by a particular state are provided at the time of application.
Edi Shek and his sponsoring companies are committed to the letter and the spirit of U.S. policy for the achievement of equal housing opportunity. We do business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act (ECOA), and we do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age (provided the applicant has the capacity to contract), because all or part of the applicant’s income derives from a public assistance program, or because the applicant has in good faith exercised a right under the Consumer Credit Protection Act. Equal Housing Lender. Equal Housing Opportunity.
Articles, market briefs, homebuyer guides, FAQs, and similar editorial content on this website are general education, not individualized mortgage, financial, legal, investment, or tax advice, and do not take your specific situation into account.
Some of this content is researched, drafted, or illustrated with the assistance of automated tools, including artificial intelligence, and may be published on an automated schedule. While we aim for accuracy, automated and AI-assisted content may contain errors, omissions, oversimplifications, or information that is out of date, and mortgage rules, guidelines, and figures change frequently. Any dollar amounts, percentages, statistics, timelines, and program details in editorial content are illustrative only. Do not rely on this content for any decision or transaction — confirm current guidelines and your actual options with Edi Shek or another licensed professional before you act.
The scripts published at whyedi.com/scripts are optional training templates offered to licensed real estate and mortgage professionals. They are not legal or compliance advice. Any professional who uses them is solely responsible for confirming that their own communications comply with all applicable law and their company’s policies, including the Fair Housing Act and ECOA, prohibitions on unfair, deceptive, or abusive acts and practices (UDAAP), the Telephone Consumer Protection Act (TCPA) and federal and state Do-Not-Call rules, RESPA, and state licensing, advertising, and disclosure requirements. Scripts should be reviewed and approved by the user’s own compliance department before use.
This website may link to third-party websites, calculators, and application portals, including lender application systems operated by others. We do not control and are not responsible for the content, accuracy, availability, security, or privacy practices of any third-party resource, and a link is not an endorsement. Any calculator or estimate on this site is for general illustration only and is not a quote, a decision, or a Loan Estimate.
Client testimonials or reviews that may appear on this website reflect the individual experience of those clients under their own circumstances. They are not a guarantee that anyone else will have the same experience or obtain the same result. Individual results vary based on each borrower’s credit, income, assets, property, and market conditions.
Commentary about housing, interest rates, or the economy reflects opinion as of the date it was written, is not a forecast, recommendation, or guarantee, and is not investment advice. We are not investment advisers and do not provide securities or investment recommendations.
Nothing on this website is legal, tax, accounting, or investment advice. You should consult a qualified attorney, tax adviser, or financial professional about your specific situation before making any significant financial decision.
Newsletters, digests, and updates sent from this website are marketing communications. You can unsubscribe at any time using the link in any email; we honor opt-out requests promptly, and unsubscribing does not affect the servicing of a loan already in process. If you provide a phone number and consent to contact, message and data rates may apply and you may opt out of calls or texts at any time.
We are committed to making this website accessible to the widest possible audience. If you have difficulty accessing any content, feature, or functionality, please contact us using the details below and we will work with you to provide the information you need through an alternative communication method.
If you have a question or concern, please first contact Edi Shek or the compliance department of the applicable sponsoring company. You may also:
We may update these disclosures at any time. The “Last updated” date at the top of this page reflects the most recent revision. Your continued use of this website after a change means you accept the updated disclosures.
Edi Shek — Residential Mortgage Loan Originator — NMLS# 216981
Phone: +1-346-610-0555
Email: edi@eywamortgage.com
EYWA Mortgage / NEXA Mortgage, LLC (NMLS# 1660690) — 5559 S Sossaman Rd, Bldg 1, Ste 101, Mesa, AZ 85212
ZAPA Mortgage, Inc. (NMLS# 357630) — 1601 Industrial Blvd, Ste 3019, Sugar Land, TX 77478
Equal Housing Lender. Edi Shek NMLS# 216981 · EYWA Mortgage / NEXA Mortgage, LLC NMLS# 1660690 · ZAPA Mortgage, Inc. NMLS# 357630. This is an advertisement and is not a commitment to lend. All loans subject to credit approval and underwriting; rates, terms, and programs subject to change without notice and may vary by state.