Whether you’re looking to make a move in 10 days or 10 months… We can help eliminate stress, surprises, and uncertainty. Buy a Home the easy way with our Shop with Confidence Pre-Approval. We’ll create a personalized roadmap that fits your journey and goals.
Want to Estimate Your Monthly Payments?
Online or In-Person:
Our 10 minute streamlined home loan application process gives you the tech to make it fast and easy.
We’ll help you clearly see differences between different scenarios & loan programs to compare to choose the right one for your goals.
We work with you to run scenarios with you on homes you’re considering & agent on offer acceptance, then to final loan approval.
You are Clear to Close.
Attend Closing Day and sign real estate and loan docs. Receive your keys, and move in to your new home!
Estimate Monthly Mortgage Payments for Home Purchase or Home Refinance, Calculate Affordability, Debt-To-Income Ratios, and more.
Single Family Homes
Single-family homes are freestanding residential buildings. A single family home doesn’t share a wall with another building.
A single-family homeowner typically owns the building and the land the building sits on.
Semi-detached homes (“twin”, “paired”, “duplex” homes) are a single-family dwelling that share a common wall. Unlike a townhome, where you may have a neighbor on both sides of your home, semi-detached homes share only one wall, and the home design typically mirrors each dwelling.
Condominiums – Condos
Condominiums, or Condos for short, are buildings made up of individual units that are attached. They can look and feel like an apartment building or community. Unlike with an apartment, a condo owner owns the interior space of their unit and is building equity with every mortgage payment. Members hold rights within the Home Owner’s Association (HOA) and are assessed period dues for operational expenses. It is advised to review the HOA docs and financials to make sure there is nothing of concern.
If looking at an FHA loan, USDA loan*, or VA loan it is important your agent makes sure the Condo Community/HOA is approved**.
*USDA typically uses a HUD or VA approval
**Not required for Conventional loans, however a condo questionnaire is usually required to review financial risk.
Townhomes
Townhomes are multi-floor homes with their own entrance, bathroom and kitchen space. Townhomes share two walls with neighbors unless the townhome is located at the end of a building.
Unlike a condominium unit, a true townhome will have a lot and block number (land) in its legal description, and therefore does not need to be a HUD approved community for an FHA loan, USDA loan, or VA loan.
Note: If the community is referred to in the legal description as being a condo, it could be subject to HUD/FHA or VA condo eligibility.
Manufactured Homes
Manufactured homes are homes built in factories, according to standards set by the U.S. Department of Housing and Urban Development or HUD. They are affixed to a chassis and can be installed in both permanent and temporary locations.
Manufactured homes built before June 15, 1976, are often called “mobile homes” and have looser construction standards than HUD requirements. As such “Mobile homes” are not considered “real estate property” and are regulated by the DMV, rather than HUD.
You can typically get a mortgage on a manufactured home if it meets the following:
1) HUD Tag (or record proof of one)
2) It is permanently affixed to a foundation (not on leased or temporary land) and it has never been relocated
Modular homes (prefabricated) are built in a factory to 80-90% completion and then moved to the build site for final completion and are considered real property like any other on-site home construction.
Our Concierge-Level Service will leave you feeling well taken care of! We’ll provide you with a strategic game plan that gives you peace of mind in your decision and an strategic edge in negotiating an offer and securing the perfect home with best rate, loan program, and mortgage options.
Whether you just prefer to speak with someone, or need more information to research your options, we are happy to guide you. No Pressure.
Caitlynn KernYou and your team were very helpful throughout the entire process! I could always rely on you to help answer questions and be available at all times. I would highly recommend!
Nathan ShoemakerI have had the unique opportunity to work with Paul for the last few months and over that short time I have had the honor of watching how hard he works for his Borrowers and how much he cares to boot. Paul is by far one of the best LO's I have worked with and anyone looking for someone that is going to fight for the best deal and be on top of every aspect of the file personally, then Paul is the LO for you. I look forward to a long-continued Partnership and Friendship with Paul and have no doubt once he works with a borrower, they are his borrower for life.
Ryan AlbanesePaul was amazing to work with! Unbelievable response times and guided us through every step of the process.
Eileen AlbanesePaul was great to work with - so friendly, understanding and helpful! We felt very cared for throughout the process and he never made us feel like we were bothering him with our questions. He was always upfront and honest and we are so grateful for his help!
Maegan LangenkampWe bought an amazing Condo in the heart of DTC. Paul was very helpful and made us, first home buyers, feel very confident in the process of buying a home. I would highly recommend!
Michael SelwynPaul went above and beyond to get all the numbers to work for us. He was available for questions at any time, even at the most unusual times. He consistently would give us updates and let us know that everything was going well or immediately would call us if there are any issues. The whole process went incredibly smoothly and made the home buying process super easy!
Lauryn ImThank you Mr Paul, you were truly amazing and on top of everything! Love your proactive approach in covering all anticipated requests ahead of putting into UW. Your professionalism and high level expertise truly shines thru and I’m so glad we connected through the grapevines. Can’t thank you enough and look forward to doing this again!
Timothy HolanMy wife and I worked with Paul when purchasing our first and second home. He was recommended to us from a trusted friend so we decided to go with him when trying to find the best loan for us. Going into it, we had no idea what we were doing but Paul was extremely attentive, did a great job explaining the details, and I felt like he always put our needs first. It was a pleasure working with Paul and we will definitely be working with Paul again in the future!
Dawson CederholmWas a great experience working with Edge to get into our first home. Everything was made easy and clear for us to understandGoogle rating score: 5.0 of 5, based on 31 reviews
Educate. Empower. Execute.
We are a Denver Mortgage Advisor committed to empowering homebuyers and homeowners with smart financial moves to build happy homeownership. We’ve optimized the best in technology with our concierge-level service. Our easy process delivers a stress-free experience, whether for purchase or refinance. We’ve built solutions for real estate financing with the best mortgage lenders nationwide and the best interest rates. Designed to educate, empower, and execute to win.
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AIME, Brokers Are Better Network, Chamber of Commerce, Parker Chamber of Commerce, Edge Home Finance: Better Business Accredited Business A+ Rating
Association of Independent Mortgage Experts – AIME Award: Edge Home Finance – 2022 National Mortgage Broker of the Year