If you’re searching for the best Milliken Mortgage Broker, Edge Mortgage, Inc. is here to help. We’re honored to serve the wonderful community of Milliken, 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.
Milliken is located 60 miles north of Denver and 45 miles southeast of Fort Collins with a population of 9,084. It sits six miles east of I-25 on Colorado Highway 60. According to the Town of Milliken, the settlement began as a trading post in the 1860’s by investors who wanted to develop a railroad line from Denver, Colorado to Seattle, Washington. Named in honor of Judge John David Milliken, the President of the Northwestern Land and Iron Company and General Council of a legal department that oversaw three companies involved in the railroad line, the Town was slowly recognized. Today, it is a fast growing community in a true rural Colorado setting.
Milliken offers a number of amenities including nine parks and two lakes. Residents enjoy a full calendar of events that includes the highly popular Beef ‘n Bean Day hosted by the police department and events committee.
Why Choose Edge Mortgage, Inc. as a Milliken, CO resident?
There is no shortage of things that make Milliken great! As your trusted Milliken 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 Milliken 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 Milliken mortgage broker, we want to equip you with all the right information for your mortgage process. Whether you choose Edge Mortgage, Inc. or another Milliken mortgage broker, here are some important questions to get answers to before you commit to working with someone.
10 Questions to Ask Your Milliken 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 Milliken 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 get a general idea to get you started.
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 Milliken mortgage broker instead of a bank?
As a local mortgage broker, we offer personalized service, access to multiple lenders, and a deep knowledge of the Milliken 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 Milliken 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 Northern Colorado 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
“We have used Edge Mortgage Inc. for multiple loans and refinancings. Keri is always on top of it and a pleasure to work with. The thing I love the most is we aren’t just another number. She always has her client’s best interest at heart. She is also very knowledgable and great with communication. We will always use Edge Mortgage for home loan needs.” -Sarah
“Keri did an amazing job helping us with our purchase. Not only was she very knowledgeable, she also kept an eye on the market to lock us in on the best deal. As we came closer to deadlines, she would do triple checks to see if anything has changed. We are definitely going to be using Edge when we make another purchase!
Update: We went to Keri for our Refi! She was able to get us a great deal and saved us hundreds on our monthly payments.” -Sophia
Edge Mortgage, Inc. is your trusted Milliken 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.
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