Mortgage broker serving CO, NE, OH, and WY

Your mortgage deserves clarity and confidence

Buying a home or refinancing an existing mortgage comes with a lot of moving parts. At Edge Mortgage, Inc., our focus is on clear communication, thoughtful planning, and honest advice so you understand your options and feel confident every step of the way. As a mortgage broker, we compare loan programs from multiple lenders to help you get a mortgage that truly fits your goals. No surprises. Just guidance you can trust.

No pressure, just honest advice

transparent numbers with no surprises

Serving Colorado, Nebraska, Ohio, & Wyoming

schedule a call
testimonials

What Our Clients Are Saying

Your reviews are the best compliment you can give us!

OVERVIEW

a clear path through the loan process

The mortgage process has a lot of moving parts and knowing what to expect makes a big difference. We believe that taking the time to explain each step helps you feel confident in your decision. Our goal is to make sure you know what’s happening and what the next steps are.

If you have questions about buying, refinancing, or just want to understand your options, we’re here for you. We’d love the opportunity to talk with you and help you decide what makes the most sense for you.

schedule a strategy call
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 and one of the ways we do that is by donating $250 of every closing to a local nonprofit. To date we have donated $65,000 to our communities.

Colorado Supported Nonprofits:

Nebraska Supported Nonprofits:

Each year, we change up our chosen nonprofit list in order to spread the love even more.

Ohio Supported Nonprofits:

Wyoming Supported Nonprofits:

are you ready to take the next step?

Clarity upfront for confident next steps.

We take pride in a clear and well organized process from the time you start your application until it’s complete. This ensures that things go smoothly as we proceed through the remainder of the loan process.

apply now
Our mission

We set a higher standard for mortgage advice

We believe that your mortgage should be transparent and tailored to you. Whether you are buying a home or refinancing an existing mortgage, our focus is on listening first, understanding your goals, and helping you make a decision you are confident about.

 

We know each client is unique and we will compare loan options from multiple lenders to find a solution that truly fit your needs and situation. We will take the time to explain the numbers, walk through the options, and answer your questions so you don’t have any surprises along the way.

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 and 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 home buyer 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

“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.  This will depend on the loan program you are using.

our team

Ready to guide you through The loan process

contact us

Keri Imhof

owner/Loan Officer

Guides clients through the process with clear communication, thoughtful planning, and honest advice. She takes the time to understand each client’s goals and helps the select a mortgage solution that truly fits their needs.

Kirstie Conradson

Loan Officer Assistant

Supports clients and Keri throughout the loan process and keeps everything organized and moving smoothly from application through closing. This ensures a smooth, efficient, and stress free process.

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.

year(s)
Calculate

Your total monthly payment

Principal & Interest

No pressure, just honest advice

transparent numbers with no surprises

Serving CO, NE, OH & wY

Giveback portion