Buying A Home
Your monthly payment should fit your life. We'll talk through your budget, cash needed to close, and what you want your next chapter to look like.
Talk through my home purchase →Colorado & Tennessee home loans
Home Loans For
The Life You Want.
Buying a home, refinancing, or building an investment portfolio? Tell me what you want your life to look like. Let’s figure out what the house decision means for it.
A clear look at your payment, cash needed, and options. A next step that makes sense for you.
Kelsey Lenten · Loan Officer at Edge Home Finance
NMLS #2542333
Your next move
What Are You Working Toward?
Start with your goals. We'll work through the financing together.
Refinancing
A refinance should have a clear purpose. Let's compare the costs, potential savings, and how long you plan to keep the loan before deciding whether it makes sense.
Compare my refinance options →Investing In Real Estate
Every property and portfolio is different. We'll look at cash flow, available capital, reserves, and your next move to explore financing that fits the deal.
Review my investment scenario →
The bigger picture
More Room For
What Matters.
A different neighborhood. Room to grow. More flexibility in the monthly budget. A first investment that fits your long-term plan.
The home is one part of the decision. Let’s talk about what you want it to make possible, then work through the financing with that in mind.
Clarity before commitment
The Truth Is
In The Numbers.
A rate alone doesn't tell you whether a loan is a good fit. I want you to understand the monthly payment, upfront costs, loan structure, and the trade-offs that come with each option.
If something doesn't add up, we'll talk about it.
Let’s work through your numbers →Monthly Payment
What you can comfortably carry.
Cash To Close
What you need upfront and what you'll have left.
Loan Structure
How the terms fit your plans.
Long-term Goals
What this decision means for your next move.
Meet your loan officer
Hi, I'm Kelsey.
I believe the best business is built by doing what's right for people.
My background in mortgage, real estate, and marketing taught me to ask questions, look closely at the details, and speak up when something doesn't make sense.
As a loan officer at Edge Home Finance, I bring that same approach to your financing. I'll explain your options in plain English, be upfront about the trade-offs, and help you make an informed decision.
You don't need to have everything figured out before we talk.
Let’s talk through your options →How we'll work together
Let's Make The Next Step Clear.
Start With Your Goals
Tell me what you're considering, your timeline, and what's most important to you.
Work Through The Numbers
We'll compare available options and look at the payment, upfront costs, and trade-offs together.
Move Forward With A Plan
When you're ready, we'll walk through the application and next steps.
For real estate agents
A Partner For Your Next Listing.
A Resource For Your Business.
Listing campaigns, open-house support, co-marketing, and practical education in one place.
Tools, education & connection
A Useful Starting Point.
Run A Payment Scenario
Explore principal, interest, taxes, insurance, and other property costs using your own assumptions.
Open the payment calculator →Understand Seller Concessions
See how concessions fit into a financing conversation and what needs to be confirmed.
Read the concessions guide →Classes & Events
Explore education topics, ask about an upcoming class, or plan a session for your office.
Explore classes & events →Practical Real Estate Insights
Read articles and use the appraisal checklist to prepare better questions.
Browse Agent Insights →Open the appraisal checklist →Clear answers
A Few Questions You Might Have.
Do I need to know which loan I want?
No. Start with what you're trying to accomplish. We can work through the available financing options together.
What should I compare besides the interest rate?
Look at the monthly payment, closing costs, cash needed upfront, loan term, and any applicable prepayment penalty. The right comparison considers how long you expect to keep the property and the loan.
Can we talk before I'm ready to buy?
Absolutely. An early conversation can help you understand what to prepare and give you a clearer starting point.
How do I know whether refinancing makes sense?
We can compare your existing loan with available options, including costs and how long it may take to recover them. A lower rate alone doesn't answer the question.
Where I can help
Home Loans In Colorado And Tennessee.
Investment Property Financing Beyond.
I’m licensed in Colorado and Tennessee, with DSCR financing options available in additional states where permitted. Availability depends on the property location, loan purpose, and lender requirements.
Talk about financing in your market →Let's talk about your next move
You Bring The Goals.
We'll Work Through The Numbers.
Whether you're ready to move forward or still figuring things out, you deserve clear answers and a plan that makes sense for you.
Start a conversation
Tell Me About Your Next Move.
Buying, refinancing, investing, or still figuring out the direction? Share your goals, property city/state, and timeline. We’ll start there.
This is an inquiry, not a loan application. Please do not send sensitive financial information or documents here.
Plan your next move
Good Questions Deserve Real Numbers.
Price Cut Vs. Seller Credit
Compare the payment, upfront cash and seller side before changing the offer.
Compare both paths →Cash To Close
Plan your down payment, costs, credits and the cash you want left.
Build my cash plan →Refinance Comparison
Review payment savings, costs and remaining debt over your timeline.
Compare my refinance →DSCR Deal Snapshot
Separate lender rental coverage from actual operating cash flow.
Explore the deal →Listing Launch Kit
Request property strategy, open-house pieces, social assets and campaign copy.
Build a listing plan →Agent Insights
Read practical guidance, then use the matching tools to put it into action.
Explore the blog →