If you are exploring a refinance, you deserve straight answers and a calm process. At Edge Mortgage, Inc., that is exactly how we work. We shop multiple lenders, lay out your options in a clear way, and help you decide if a refi truly benefits you. It is why so many homeowners call us the best refinance mortgage broker in Wyoming. We care as much as you do about getting the right loan, not just any loan.
We’ve put together a quick guide to help you gauge timing, run the simple math, and see the most common wins our clients get from refinancing.
3 Signs it Might be Time to Refinance
1. Your rate is higher than today’s market
If your current rate sits meaningfully above what is available, it can reduce both your payment and total interest paid.
2. Your goals changed
Maybe you want predictable payments, faster payoff, or cash for home projects. When life shifts, your mortgage can shift too.
3. Your profile improved
Better credit, more equity, or paying down debts can unlock better pricing and make a refinance worth a fresh look.
How We Keep the Numbers Simple
First, we run a break-even—total refi costs divided by your monthly savings—to see how many months it takes to come out ahead. Next, we compare the total interest you’d pay if you keep your loan versus refinance, so you can see long-term savings, not just a lower payment. Finally, we check the all-in monthly payment (principal, interest, taxes, insurance) to be sure it fits your budget and goals today. If all three line up, a refi is usually worth a closer look.
3 Quick Math Checks
- Break-even months- Divide total refinance costs by the monthly savings. If you plan to keep the home longer than that number of months, the refi often makes sense.
- Total interest over time- Compare how much interest you will pay if you keep your loan vs. refinance. A slightly higher payment with a much shorter term can save a surprising amount.
- All-in payment fit- Look at the full monthly number, including taxes and insurance. If the new payment fits your budget and your goals, you are on the right track.
5 Ways Refinancing Can Help Right Now
If the numbers make sense, there are numerous ways that refinancing can help you achieve your goals. As the best refinance mortgage broker in Wyoming, we can help you determine the unique benefits for you. Here is a little breakdown of the most common benefits we get for our clients.
1. Lower your monthly payment
A better rate or a fresh term can free up cash each month for savings, investments, or breathing room.
2. Shorten your term
Move from a 30-year to a 20- or 15-year loan and build equity faster. Great for homeowners who want to retire the mortgage sooner.
3. Drop mortgage insurance
With enough equity, a refinance can remove PMI or MIP and cut your monthly costs.
4. Consolidate high-interest debt
Use home equity to pay off credit cards or personal loans at lower mortgage rates. We will show you the true break-even, so the move helps, not hurts.
5. Fund repairs or renovations
From a new roof to a new kitchen, a cash-out refinance can be a cleaner solution than multiple high-rate loans or credit lines.
Why work with Edge Mortgage, Inc.?
Choosing the best refinance mortgage broker in Wyoming is about more than rate quotes. It is about guidance you can trust. We compare lenders side by side, explain fees up front, and help you lock at the right time. Our team is responsive and known for making complex steps feel simple. Many clients say we are the best refinance mortgage broker in Wyoming because we keep them informed and in control from application to clear to close.
Ready to see your numbers?
If you are asking whether now is the right time to refinance, let’s run the math together. We will price multiple scenarios, build a clear side-by-side, and help you decide with confidence. When you want a straight answer from the best refinance mortgage broker in Wyoming, reach out to Edge Mortgage, Inc., and let’s make a smart move for your next chapter. Contact us today to get started!
We have many 5-star reviews that show our dedication and commitment to our clients
“My husband and I used Keri’s services to refinance our home. Keri was extremely responsive and patient with answering all of our questions and helping us make the best decision for us. She provided great customer service, which is almost non-existent these days. The process was very easy. We were never left hanging wondering what was going on or what the next steps were. Keri was awesome to work with and worked hard for us. I would use her again and highly recommend her services.” -Melissa
“Keri is awesome to work with. She took all of the stress out of refinancing. She handled everything from start to finish with total professionalism! I highly recommend her and the whole team at Edge Mortgage!” -Chris
Edge Mortgage, Inc. is the best refinance mortgage broker in Wyoming
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. At Edge Mortgage, Inc. we offer honest answers and a stress-free process, and 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 ready to serve you. Call us today at 970-744-0000.
