If you are thinking about refinancing, you want clear answers about whether or not it’s the best choice for you. At Edge Mortgage, Inc. we specialize in home loans and refinancing. We shop multiple lenders, explain your options in easy-to-understand terms, and help you decide if now is the right time. If you are searching for the best refinance mortgage broker in Colorado, you’ve found your top-rated Colorado mortgage expert, where we care about getting you the best option as much as you do. Edge Mortgage, Inc. has been serving happy clients with all their refinance and home-buying needs for more than 6 years. We take pride in our superb customer care and excellence in everything we do for our clients.
What is refinancing, in simple terms?
Refinancing replaces your current mortgage with a new one. Most people refi to lower their payment, shorten their term, drop mortgage insurance, switch from an ARM to a fixed rate, or pull cash out for higher-interest debt or repairs. A good refi should make your life easier, not more stressful. Our job is to show you the pros and cons for your situation so you can feel confident in your choice.
How do I know when a refinance is worth it?
Now that you know the best refinance mortgage broker in Colorado to work with, let’s dive into the ins and outs of refinancing your home. One of the biggest questions we get is, “How do I know whether a refinance is worth it?”. Here’s the short answer: it depends on your goals and the math. As your trusted mortgage broker, it’s our job to run you through the numbers and make sure that it makes sense for you. We want what’s best for you, and will only encourage you to refinance if it will help you reach your goals.
Let’s break it down further. We’ve come up with the nine most common (and smartest) reasons our clients refinance—plus what each one actually does for you.
9 Smart Reasons to Refinance Your Mortgage
1) Lower your rate and payment
The classic reason. A lower rate can cut your monthly payment and total interest over time. We’ll price several lenders side by side so you can see real savings, not guesses.
2) Shorten your term
Moving from a 30-year to a 20 or 15-year loan can slash the interest you pay over the life of the loan. Your payment may go up a bit, but your payoff speeds up a lot. We’ll show both versions so you can pick the one that fits your budget.
3) Drop mortgage insurance (PMI or MIP)
If you’ve built enough equity, a refinance can remove monthly mortgage insurance and free up cash each month. We’ll check your value, your loan-to-value, and whether a refi or a servicer request is the better path.
4) Lock in stability: ARM to fixed
If you’re in an adjustable-rate mortgage and don’t love surprises, refinancing into a fixed rate brings predictable payments. That peace of mind is worth a lot when you’re planning a family budget.
5) Consolidate high-interest debt
Credit cards and personal loans add up fast. A cash-out refi can roll those balances into one lower mortgage rate. The key is the math: we’ll compare total costs and show your break-even point so the move actually helps you.
6) Fund repairs or renovations
New roof, HVAC, kitchen, or bath—using home equity can beat high-rate financing. One payment, one plan. We’ll size the project and find the loan structure that keeps your monthly number comfortable.
7) Combine a first mortgage and a HELOC
If your HELOC is adjusting or you just want one steady payment, a refi can roll both into a single loan. We’ll compare that to keeping the HELOC so you can pick the cleaner option.
8) Update who’s on the loan
Life changes. Marriage, divorce, removing a co-signer—refinancing is often the cleanest way to update the note and keep everything aligned with your current life.
9) Match your mortgage to new goals
New baby, new job, new plans for a second home or an investment property—your mortgage should fit your next chapter. A refinance can reset the rate, term, and structure so your money works the way you need it to.
Quick reality check: Running the numbers
We always run a break-even: total refi costs divided by your monthly savings. If you’ll stay in the home longer than that number of months, it often makes sense. If not, we’ll show other options (like a HELOC or making small extra principal payments) so you still move forward with a plan.
Working with the best refinance mortgage broker in Colorado means you get clear numbers, fast answers, and more than one lender to choose from. At Edge Mortgage, Inc., we care as much as you do about getting this right. If you want us to price a few scenarios—lower rate, shorter term, cash-out, or a clean ARM-to-fixed—reach out and we’ll send a simple side-by-side you can read in minutes.
Edge Mortgage Inc. is your trusted source for common mortgage terms and everything related to buying your home
Edge Mortgage, Inc. serves Colorado, Wyoming, Nebraska, and Ohio, and we are proud to be known by our clients as the best refinance mortgage broker in Colorado. Buying a home or refinancing your existing mortgage should not be expensive or difficult. As your top-rated mortgage broker, 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 fits your needs. Ready to see your numbers and options side by side? Contact us today and let’s make a smart move together!
We have more than 70 5-star reviews from happy homeowners
“Keri at Edge Mortgage is fantastic to work with! She is very responsive with communication, and helpful when answering questions. I’ve used her for my initial house purchase as well as refinancing. Friendly and professional.” -Sarah
“As a REALTOR, I tend to be a little more critical of lenders. Keri blew it out of the water! We used Keri on a refi of our personal home and she did a fantastic job. Definitely will be recommending her to all of my clients and using her on our personal deals moving forward. Thank you Keri and team!” -Amy
Edge Mortgage, Inc. is the best refinance mortgage broker in Colorado
Edge Mortgage Inc. is located in Johnstown, Colorado, and is proud to serve the states of Colorado, Nebraska, Ohio, and Wyoming with all their mortgage, refinance, and home loan needs. We offer honest answers and a stress-free process, and we have no hidden or extra fees, keeping more money in your pocket. We are your trusted mortgage broker, and we care as much as you do about getting the best loan for your unique circumstances. We are here and are ready to serve you. Call us today at 970-744-0000.
