If you’re searching for the best Cheyenne Mortgage Broker, Edge Mortgage, Inc. is here to help. We’re honored to serve the wonderful community of Cheyenne, offering years of trusted expertise and exceptional service. Whether you’re buying your first home or upgrading to your dream home, we’re committed to making the mortgage process smooth and tailored to your needs.
Cheyenne, Wyoming is located in the southeastern corner of the state and is the seat of Laramie County. The city has a population of 65,200. According to Visit Cheyenne Wyoming, Cheyenne means “aliens” or “people of foreign language.” The Sioux Indians gave this name to the Indian tribe “Dzitsistes,” who roamed the open plains. The first settlers moved here to work on the Union Pacific Railroad. Today, Cheyenne is known for being home to the world’s largest outdoor rodeo and Western Festival Cheyenne Frontier Days. The event features concerts, a fair with rides, games, vendors, Wild West shows, an Indian village, and a large PRCA nationally sanctioned rodeo. The city boasts a variety of other attractions including Wyoming State Museum, Cheyenne Frontier Days Old West Museum, Historic Governors’ Mansion, and Cheyenne Botanic Gardens. Cheyenne’s recreational offerings cater to a wide range of interests. Residents and visitors enjoy golf courses, ice and events centers, state parks, swimming pools, hiking, biking, and horseback riding.
Why Choose Edge Mortgage, Inc. as a Cheyenne, WY resident?
There is no shortage of things that make Cheyenne great! As your trusted Cheyenne mortgage broker, we know you deserve to work with someone who understands your local market and genuinely cares about your homeownership journey. At Edge Mortgage, Inc., we’re not just here to secure a loan, we’re here to guide you every step of the way with personalized service, competitive options, and expert advice tailored to the unique needs of Cheyenne homeowners. Whether you’re buying your first home, refinancing, or upgrading to your next dream home, we’re committed to making the process smooth, transparent, and stress-free.
As you are searching for a Cheyenne mortgage broker, we want to equip you with all the right information for your mortgage process. Whether you choose Edge Mortgage, Inc. or another Cheyenne mortgage broker, here are some important questions to get answers to before you commit to working with someone.
10 Questions to Ask Your Cheyenne Mortgage Broker Before You Buy a Home
1. What’s the first step in getting a mortgage?
The first step is getting pre-approved. Pre-approval shows sellers you’re a serious buyer and gives you a clear idea of your budget. At Edge Mortgage, Inc., we guide you through the pre-approval process, making it quick and easy to get started.
2. What loan programs are available for me?
Every buyer is different so it’s important to understand your options. We specialize in a variety of loans, including FHA, VA, USDA, and conventional loans. We’ll help you find the one that fits your financial situation and homeownership goals.
3. How much of a down payment will I need?
Down payment requirements vary based on the loan program. For example, FHA loans typically require 3.5%, while VA and USDA loans may not require any down payment. We’ll help you determine the right option and guide you through any down payment assistance programs that may be available.
4. What credit score do I need to qualify?
While each loan program has its own credit requirements, many options are available for buyers with a range of credit scores. We’ll review your credit and provide personalized advice on how to improve it, if needed, to qualify for better rates.
5. What are the current interest rates and how do they affect my loan?
Interest rates directly impact your monthly payment and the overall cost of your loan. As your Cheyenne mortgage broker, we’ll shop around with multiple lenders to secure the most competitive rates, helping you save money over the life of your loan.
6. What are closing costs, and how much should I expect to pay?
Closing costs typically include fees for the lender, title company, appraisal, and more. These costs usually range from 2-5% of the loan amount. We’ll provide a clear breakdown of your closing costs upfront so there are no surprises.
7. How do I calculate my monthly mortgage payment?
Your monthly payment includes principal, interest, taxes, and insurance (often referred to as PITI). We’ll help you estimate this payment based on your loan amount and other factors so you know what to expect.
8. How long does the mortgage process take?
The timeline varies, but most loans close within 30 days. We’ll keep the process moving efficiently and keep you updated every step of the way to ensure a smooth and timely closing.
9. What should I avoid during the loan process?
Avoid major financial changes like applying for new credit, making large purchases, or changing jobs during the loan process. These actions could affect your approval. At Edge Mortgage, Inc., we’ll provide guidance to help you stay on track.
10. Why should I choose a Cheyenne mortgage broker instead of a bank?
As a local mortgage broker, we offer personalized service, access to multiple lenders, and have a deep knowledge of the Cheyenne market. Unlike big banks, we focus on finding solutions tailored to your unique needs. At Edge Mortgage, Inc., we’re committed to making your homeownership journey stress-free and successful.
Getting the Best Cheyenne Mortgage Broker Near Me
Choosing the right mortgage broker is one of the most important steps in your homeownership journey, and at Edge Mortgage, Inc., we’re here to make that decision simple. As an Ohio homeowner, you can count on us to find the best mortgage solution for your needs. From navigating the complexities of the home loan process to providing transparent communication every step of the way, we’re dedicated to helping you achieve your homeownership goals with confidence. Let us be your trusted partner in making your dream home a reality. Contact us today to get started!
Check out a few of our many five-star reviews from happy clients
“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
“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
Edge Mortgage, Inc. is your trusted Cheyenne Mortgage Broker
Edge Mortgage, Inc. is located in Johnstown, Colorado, and serves Colorado, Nebraska, Ohio, and Wyoming. 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 are ready to serve you. Call us today at 970-744-0000.
