If you’re thinking about refinancing, you want straight answers about whether it truly helps you. At Edge Mortgage, Inc., we keep it simple. We compare multiple lenders, lay out your options in plain English, and help you decide if now is the right move. If you’re searching for the best refinance mortgage broker in Ohio, you’re in the right place. We care as much as you do about getting the loan that fits your life, not just today but down the road.
We’ve spent years helping Ohio homeowners and first-time buyers with clear guidance, great communication, and competitive pricing. From Columbus to Cleveland, Cincinnati to Toledo and everywhere in between, our team is ready to run the numbers and make the process easy.
What is refinancing?
Refinancing replaces your current mortgage with a new one. People refinance to lower their payment, shorten the term, remove mortgage insurance, switch from an ARM to a fixed rate, or pull cash out for projects or debt payoff. A good refi should lower stress, not raise it. Our job is to show pros and cons so you can choose with confidence.
How do I know when a refinance is worth it?
The short answer is that it depends on your goals and the math. As your trusted partner, we will price several lenders, show real numbers, and tell you if it makes sense. We only recommend refinancing when it moves you toward your goals. That is what working with the best refinance mortgage broker in Ohio should feel like.
9 Smart Reasons to Refinance Your Mortgage
1. Lower your rate and payment
A lower rate can reduce your monthly payment and cut total interest. We shop several lenders side by side so you see real savings.
2. Shorten the term
Moving from a 30-year to a 20- or 15-year loan can save tens of thousands in interest. The payment may rise a bit, but your payoff speeds up a lot. We’ll show both paths.
3. Remove mortgage insurance (PMI or MIP)
With enough equity, a refi can drop monthly mortgage insurance and free up cash each month. We check value, loan-to-value, and whether a simple servicer request or a full refi is better.
4. Swap an ARM for a fixed rate
Prefer predictable payments? Refinancing into a fixed rate brings stability to your budget.
5. Consolidate high-interest debt
Credit cards and personal loans add up quickly. A cash-out refi can roll balances into one lower mortgage rate. We compare total costs and show your break-even so the move truly helps.
6. Fund repairs or renovations
New roof, HVAC, kitchen, bath. Using home equity can beat high-rate financing. One plan, one payment. We size the project and keep the monthly number comfortable.
7. Combine a first mortgage and a HELOC
If your HELOC is adjusting or you want one steady payment, a refi can roll both into a single loan. We compare that to keeping the HELOC so you can pick the cleaner option.
8. Update who is on the loan
Life changes. Marriage, divorce, or removing a co-signer. A refinance is often the cleanest way to align the note with your life today.
9. Match your mortgage to new goals
New job, growing family, second home, or an investment plan. A refi can reset the rate, term, and structure so your money supports your next chapter.
Quick reality check: run the numbers
We always calculate a break-even. Total refinance costs divided by monthly savings equals the months to recover the cost. If you plan to stay longer than that number, it can make sense. If not, we’ll show other options like a HELOC or simple extra principal payments. Clear numbers, no guesswork.
Working with the best refinance mortgage broker in Ohio means you get fast answers, multiple lender choices, and a side-by-side view you can read in minutes. Want us to price a few scenarios such as lower rate, shorter term, cash-out, or ARM to fixed? Reach out and we will send you a clean comparison.
Why Ohio homeowners choose Edge Mortgage, Inc.
- Local knowledge, multiple lenders. We know Ohio markets and shop a wide lender network for strong pricing and terms.
- Straight talk. We explain taxes, insurance, escrow, and all fees so your total monthly payment is clear.
- Personal service. Text, call, or meet. We keep you updated and answer questions quickly.
- We care as much as you do. Your win is our win. That is how we work.
Edge Mortgage, Inc. serves Ohio, Colorado, Nebraska, and Wyoming. If you are ready to explore your options with the best refinance mortgage broker in Ohio, contact us today. Let’s look at the numbers together and make a smart move.
We have many 5-star reviews from our satisfied clients
“We have used Edge Mortgage Inc. for multiple loans and refinancings. Keri is always on top of it and a pleasure to work with. The thing I love the most is we aren’t just another number. She always has her client’s best interest at heart. She is also very knowledgable and great with communication. We will always use Edge Mortgage for home loan needs.” -Sarah
“Working with Keri at Edge Mortgage was hands down the easiest, best refinance we ever did. Not only did we get an excellent rate since she shops around for the best, the time from application to close was super fast! Keri strives for competitive closing costs and she works to communicate and educate. Keri and Edge Mortgage truly put client needs first, and I especially love her servant heart and that Edge Mortgage will give back, supporting a charity of choice on behalf of her clients. I highly recommend Keri for any and all of your mortgage needs. Thank you so much to Keri and Edge Mortgage!” -Brechen
Edge Mortgage, Inc. is the best refinance mortgage broker in Ohio
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. Edge is 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.
