If you’re searching for the best Greeley Mortgage Broker, Edge Mortgage, Inc. is here to help. We’re honored to serve the wonderful community of Greeley, 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. Greeley is located in the Great Plains region of Colorado. It lies about 50 miles northeast of Denver and is the county seat of Weld County with a population of 112,609. Greeley is home to the University of Northern Colorado, Aims Community College, and IBMC College Greeley.
According to the Greeley Area Chamber of Commerce, Nathan C. Meeker dreamed of an agricultural utopia when he led the early settlers here. This dream was made possible through irrigation and the area has been known for growing a variety of crops. The City of Greeley website shares that the city is a home to a diverse mixture of industries, from breweries to oil and gas, from unique shops to food processing, and from agricultural innovation to an incredible concentration of creative industries and individuals.
Greeley is known for reasonably priced housing with easy access to Windsor, Fort Collins, Loveland, Longmont, Boulder, and Denver. It also offers a variety of fun things to do like the Family Fun Plex, Greeley Recreation Center, Greeley Ice Haus, Rodarte Community Center, Active Adult Center, and Aquatics Facilities. It is also known for its annual summer event the Greeley Independence Stampede and the Weld County Fair.
Why Choose Edge Mortgage, Inc. as a Greeley, CO resident?
There is no shortage of things that make Greeley great! As your trusted Greeley 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 Greeley 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 on your search for a Greeley mortgage broker, we want to equip you with all the right information for your mortgage process. Whether you choose Edge Mortgage, Inc. or another Greeley mortgage broker, here are some important questions to get answers to before you commit to working with someone.
10 Questions to Ask Your Greeley 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 options 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 Greeley 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. You can also use our mortgage calculator to estimate your monthly payment.
8. How long does the mortgage process take?
The timeline varies, but most loans close within 30-45 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 Greeley mortgage broker instead of a bank?
As a local mortgage broker, we offer personalized service, access to multiple lenders, and deep knowledge of the Greeley 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 Greeley 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 a Greeley, CO resident, 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 Edge Mortgage was such a great experience! Keri is incredibly helpful and was always thorough in answering our questions and concerns. She responds in a timely manner and really goes the extra mile to make sure everything is done correctly, which I greatly appreciated. Definitely recommended!” -Nashira
“We have used Edge Mortgage, Inc. 3 times. Every time has been fantastic. Keri is honest, dependable and will do anything she can, with her team, to get you the best rates. We have been treated like family every time and will use her services again in the future. Highly Recommend.” -Stephanos
Edge Mortgage, Inc. is your trusted Greeley Mortage Broker
Edge Mortgage, Inc. is located in Johnstown, Colorado, and serves Ohio, Colorado, Wyoming, and Nebraska. 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.
