If you’re searching for the best Kearney Mortgage Broker, Edge Mortgage, Inc. is here to help. We’re honored to serve the wonderful community of Kearney, 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.
Kearney, Nebraska is located in the south-central part of the state. It is the seat of Buffalo County and has a population of 34,362. The city was founded in 1871 at the junction of the Burlington and Missouri River Railroad and the Union Pacific Railroad. According to the City of Kearney, the settlement and nearby Fort Kearney were named after Colonel Stephen Watts Kearny. The fort provided protection to thousands of pioneers, Pony Express Riders, and prospectors traveling west on the Oregon Trail. Today, you can share the experience of early pioneers at the Archway. The historical attraction showcases exhibits, a shop, a theater, and an event space. Other area attractions include The American Automobile Experience, Museum of Nebraska Art, Kearney Community Theatre, and The Frank Museum. Kearney also offers opportunities for outdoor recreation with parks, trails, campgrounds, lakes, rivers, and golf courses.
Why Choose Edge Mortgage, Inc. as a Kearney, NE resident?
There is no shortage of things that make Kearney great! As your trusted Kearney 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 Kearney 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 Kearney mortgage broker, we want to equip you with all the right information for your mortgage process. Whether you choose Edge Mortgage, Inc. or another Kearney mortgage broker, here are some important questions to get answers to before you commit to working with someone.
10 Questions to Ask Your Kearney 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 Kearney 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 Kearney 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 Kearney 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 Kearney 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!
Read some of our many five-star reviews that show our exceptional dedication to our clients!
“I would highly recommend Keri at Edge Mortgage. She very informative throughout the whole mortgage process. Great experience!” -Darin
“Keri and her team are professional! The process is easy because they know what they are doing. Highly recommend!” -JG
“Keri, is a lady of integrity, this is my 3rd loan she has helped me to get. She is available any time and here answers and concerns are genuine. Like you she doesn’t like last minute changes, when they happen, she’ll to what the problem is and the solution.” -Robert
Edge Mortgage, Inc. is your trusted Kearney 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.
