A locally owned Mortgage Company

The perfect loan for your perfect home

We remove costly and difficult processes by replacing them with high-quality customer service. We will be there every step of the way. We know each client is unique and we will help you find the loan to best fit your needs.

no hidden Fees or Charges

Great
Rates

Serving Colorado & Wyoming

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OVERVIEW

The loan process made simple

Going through the home mortgage process can feel confusing and overwhelming at times. While we strive to make it as quick and easy of a process as possible, we also think it’s helpful for you to be informed.

Knowing the steps and what to expect is a huge part of helping you feel at ease. Have questions about the process? Are you ready to get started? We would love to chat!

1

STEP 1

Application

2

STEP 2

Gather Documents

3

STEP 3

Pre approval

4

STEP 4

Submit to Underwriting

5

STEP 5

Conditional Approval

6

STEP 6

Appraisal Ordered

7

STEP 7

Clear to Close

8

STEP 8

Closed and Funded

Helping others while helping you

We give back to our communities

At Edge Mortgage, Inc. we believe in giving back to our community. One of the ways we do that is by donating $250 of every closing to a local nonprofit.

Colorado Supported Nonprofits:

Each year we change up our chosen nonprofit list in order to spread the love even more. Now we are also serving Wyoming so we have added organizations there as well.

Wyoming Supported Nonprofits:

Are you ready for speedy service?

We can get you approved quickly.

We take pride in our speed and quality of service. We have same-day approval and top-notch experience all around.

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Our mission

We set a high standard in the mortgage industry

Buying a home or refinancing your existing mortgage should not be expensive or difficult. As a locally owned mortgage company, we are committed to quality customer service by putting you first. We provide our clients with the lowest interest rate possible and don’t have any hidden fees or charges. We will listen to and answer all of your questions. Whether you prefer to do everything electronically or meet face to face, we will be there every step of the way.

 


We know each client is unique and will help you find the loan to best fit your needs. You will find that the skill, professionalism, and consideration we give to each of our clients makes getting your loan a successful and positive experience.

Popular Questions

We make it a priority to listen and answer all your questions.

Mortgage brokers research a variety of loan options from multiple lenders to find the best mortgage for your financial situation.

1. Application 

2. Credit ordered

3. Documentation requested and reviewed

4. Preapproval given if qualified

5. Loan submitted to lender

6. Disclosures issued

7. Submitted to underwriting

8. Appraisal ordered

9. Additional documentation gathered

10. Final loan approval

11. Clear to close

12. Loan closed and funded

Mortgage points, also known as discount points, are fees a homebuyer pays directly to the lender in exchange for a reduced interest rate. This is also called “buying down the rate.” 

1 point = 1 percent of your mortgage ($1,000 for every $100,000)

It’s really not all about your income.  How much a potential borrower makes is important, but it’s not the only factor considered when getting approved.  Credit score, work history, and loan type are just a few other factors to consider.

This will vary by loan program and various factors.

Conventional – as low as 3%

FHA – as low as 3.5%

VA – as lows as 0%

USDA as low as 0%

1. When you can reduce your interest rate 

2. When you can eliminate mortgage insurance

3. When you can shorten the length of your loan

4. When you can use your equity for home improvements or to consolidate debt

1. Apply for a credit card: Opening a revolving line of credit is a great first step towards building a credit profile.

2. Become an authorized user: Get added to a parent or partner’s established revolving account.

3. Create a positive payment history: Put a small balance on your new card.  Keep the usage below 50% and make your payments on time.

–Information provided by CIC Credit

1. Fix errors on your credit report

2. Stay below your credit limit

3. Tackle past-due bills

4. Pay down revolving account balances

5. Limit how often you apply for new accounts

“Beginning in July almost 70% of medical collection debt trade lines will be eliminated from consumer credit reports. Equifax has announced that, starting July 1st, all 3 credit bureaus will no longer be including paid medical collection accounts on consumer credit reports. 

Additionally, unpaid medical debt won’t appear on the borrower’s credit for one year, allowing the borrower an extra 6 months to work with their insurance & healthcare providers to come to a resolution. 

2023 is expected to bring some changes as well; all 3 credit bureaus stated that in the first half of next year they will no longer be reporting any medical debt with balances of $500 or less. While these bureau level changes only apply to medical collection debt, it is still a huge win for loan originators and borrower’s alike!”

We don’t typically have to include medical debt in our debt to income ratio, but they do hurt credit scores  So this is wonderful news for home buyers! 

– Information provided by CIC Credit

When a credit report is pulled and does not provide a monthly payment for the student loan, or if the credit report shows $0 as the monthly payment, the lender must determine the qualifying monthly payment. 

It varies depending on the loan program you are using. Below are some of the guidelines.

FNMA (Fannie Mae) –

For deferred loans or loans in forbearance, the lender may calculate

• A payment equal to 1% of the outstanding student loan balance (even if this amount is lower than the actual fully amortizing payment), or

• A fully amortizing payment using the documented loan repayment terms.

FHLMC (Freddie Mac) – 

If the student loan is in repayment, deferment, or forbearance when calculating the monthly DTI ratio:

• If the monthly payment amount is greater than zero, use the monthly payment amount reported on the credit report or other file documentation, or

• If the monthly payment amount reported on the credit report is zero, use 0.5% of the outstanding balance as reported on the credit report.

FHA – 

For outstanding Student Loans, regardless of the payment status, the Mortgagee must use:

• The payment amount reported on the credit report or the actual documented payment, when the payment amount is above zero; or

• 0.5% of the outstanding loan balance, when the monthly payment reported on the Borrower’s credit report is zero.

VA – 

For outstanding Student Loans, regardless of the payment status, the Mortgagee must use:

•The payment amount reported on the credit report or the actual documented payment, when the payment amount is above zero; or

• 0.5% of the outstanding loan balance, when the monthly payment reported on the Borrower’s credit report is zero.

our team

Ready to guide you through The loan process

contact us

Keri Imhof

owner/Loan Officer

Works with the client every step of the way to get them the best loan for their individual situation.

Kirstie Conradson

Loan Officer Assistant

Works with the borrower to collect documents and information needed to assist Keri with processing the loan.

Cheryl Boyer

Assistant

Handles customer relations once the loan has been closed.

THE POWER OF a calculator

Wondering what your monthly payment could be?

Try our mortgage calculator.

Disclaimer: Results from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. Please contact Edge Mortgage, Inc. for a complete quote.

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Your total monthly payment

Principal & Interest

No Hidden Fees or charges

Great Rates

Serving CO & wY

Giveback portion

testimonials

What Our Clients Are Saying

Your reviews are the best compliment you can give us!

John B.
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“Keri is very professional, worked hard to meet our lending needs and kept us updated throughout the process. I highly recommend Keri for people seeking home mortgages.”
Brandon H.
5 star rating
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5 star rating
“Keri was a pleasure to work with my refi and buying my new home. I would and do recommend her to everyone.”
Jim K.
5 star rating
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5 star rating
“Great rate, great person, great Re-Fi. Very responsive and helpful. Good enough to use Edge and Keri for three loans. Would recommend to friends and family.”