Let’s talk about your home financing goals
Whether you’re planning to buy a home, refinance your current mortgage, or simply want to understand what may be possible, the team at Edge Mortgage, Inc. is here to help you move forward with clarity and confidence. Contact Edge Mortgage, Inc. using the options below to start a mortgage quote, schedule a conversation, or ask a question.
Edge Mortgage, Inc. is a mortgage broker serving clients across Colorado, Nebraska, Ohio, and Wyoming. If you’re looking for guidance in any of these areas, we’d be happy to help you explore your options.
Starting with a mortgage quote helps you understand what may be possible for your situation. However, if you’d prefer to talk through your options first, you’re welcome to schedule a time to connect.
our team
Ready to guide you through The loan process
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.
Understanding the Difference Between Pre-Approval and Pre-Qualification
When you’re ready to buy a home and get a mortgage quote, knowing the difference between pre-qualification and pre-approval is essential. Although both give you an idea of how much you may be able to borrow, pre-approval is a more in-depth process that holds more weight with sellers. Knowing which step to take (and when) can help you make stronger offers and streamline your home-buying journey. Here’s a quick look at the differences:
Pre-Qualification
A quick, initial assessment of your borrowing power based on self-reported financial information.
Often doesn’t involve a hard credit check, making it a fast way to get an estimate of your budget.
Gives a rough idea of what you may qualify for but isn’t a guarantee of loan approval.
Pre-Approval
A more detailed process that involves a hard credit check and verification of your income, assets, and debt.
Provides a specific loan amount you’re approved to borrow, making it stronger in the eyes of sellers.
Often required before making an offer and helps your offer stand out, especially in competitive markets.