Charlie Flohr with Edge Home Finance

Call Directions Website Contact the business

Charlie Flohr with Edge Home Finance For over 33 years I have helped people realize their financial goals through mortgage lending.

Helping clients navigate the mortgage process with less stress and more confidence is always my goal.Buying a home or na...
10/16/2026

Helping clients navigate the mortgage process with less stress and more confidence is always my goal.

Buying a home or navigating a mortgage can feel overwhelming, but having someone to explain each step and guide you along the way can make a real difference.

Thank you for the kind words and for trusting me throughout your journey! I'm grateful for the opportunity to help make the process as smooth as possible.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Thinking about buying a home or exploring your mortgage options? Reach out to me, and let's take the next step together.

Thursday Finance Tip: Prepare for the UnexpectedOwning a home comes with exciting milestones, but it also comes with une...
10/15/2026

Thursday Finance Tip: Prepare for the Unexpected

Owning a home comes with exciting milestones, but it also comes with unexpected expenses.

From appliance breakdowns to urgent repairs, having an emergency fund can help you manage surprises without putting as much pressure on your monthly budget.

My tip is simple: start small, save consistently, and keep your emergency savings separate from the money you use for everyday expenses.

You don't have to build your savings overnight. Every step toward financial preparedness counts.

How are you preparing for unexpected expenses? Share your favorite budgeting tip in the comments.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Planning to buy a home? Let's talk about preparing financially for homeownership and finding a mortgage option that fits your goals.

10/15/2026

Think Your Credit Score Is Too Low to Buy a Home? You May Be Able to Qualify for a Mortgage Now

A low credit score doesn't automatically mean your dream of homeownership is out of reach.

Some conventional and government backed mortgage programs may allow borrowers to qualify without a specific minimum credit score requirement through automated underwriting, depending on the program, lender requirements, and overall application.

If you've been putting off buying a home because of your credit score, don't assume you won't qualify. Let's review your situation and explore the options that may be available to you.

Know someone who needs to hear this? Share this video with them!

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Reach out to me, and let's see what mortgage options may fit your goals.

When comparing mortgage offers, don't focus on the interest rate alone.Your interest rate determines the interest charge...
10/14/2026

When comparing mortgage offers, don't focus on the interest rate alone.

Your interest rate determines the interest charged on your loan, while your APR includes the interest rate and certain loan costs to provide a broader view of borrowing expenses.

My tip? Compare the Loan Estimates carefully and ask questions about fees, discount points, and the terms of each offer. The best option depends on your financial goals and how long you plan to keep the loan.

Understanding the numbers can help you make a more confident decision about your home financing.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Thinking about buying a home? Let's talk about your mortgage options and find a strategy that fits your goals.

Your dream of homeownership starts with the steps you take today. Whether you're saving for a down payment, improving yo...
10/12/2026

Your dream of homeownership starts with the steps you take today.

Whether you're saving for a down payment, improving your financial readiness, or exploring mortgage options, every step counts.

You don't have to have everything figured out to get started. With the right guidance and a plan that fits your goals, you can move forward with confidence.

If owning a home is part of your future, let's talk about how to get you there.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Building a strong mortgage strategy means understanding more than just the interest rate. It's about knowing the numbers...
10/08/2026

Building a strong mortgage strategy means understanding more than just the interest rate. It's about knowing the numbers, exploring your options, and seeing how each decision fits into your monthly budget.

Thank you, Emma O'Connell, for trusting me with two mortgages and a refinance! I truly appreciate your continued confidence in me and the opportunity to help you understand the numbers and make informed decisions along the way.

My goal is always to provide clear guidance so you can feel confident about your mortgage choices and how they fit into your financial plans.

Thank you for the kind words and recommendation, Emma!

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Thinking about buying a home or refinancing? Let's talk about your options and find a strategy that fits your goals.

MORTGAGE TIP: Thinking about moving a large amount of money while you're buying a home?Talk to your mortgage professiona...
10/07/2026

MORTGAGE TIP: Thinking about moving a large amount of money while you're buying a home?

Talk to your mortgage professional first.

During the mortgage process, lenders may need to verify the funds you're using for your purchase and document where those funds came from. A transfer between your own accounts may be perfectly legitimate, but it could still require documentation.

The same goes for receiving a gift, selling an asset, making a large purchase, taking on new debt, or making other significant financial changes before closing.

The best rule? When in doubt, ask before you move the money.

A quick conversation can help you understand what documentation may be needed and potentially prevent unnecessary delays.

Planning to buy a home? Let's talk about your mortgage strategy.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

10/06/2026

Are your tax returns making it harder to qualify for your next investment property?

A DSCR loan may be an option worth exploring.

Unlike traditional mortgage financing, a DSCR loan can focus primarily on the property's rental income and its ability to support the debt, rather than relying solely on your personal income.

For real estate investors, this can provide a different financing path when traditional income documentation doesn't tell the full story.

Whether you're purchasing your first rental property or growing an existing portfolio, the right financing strategy can make a difference.

Want to see if a DSCR loan could work for your next investment property?

Comment DSCR below or send me a message, and let's run the numbers together.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Every homeownership journey starts somewhere.Maybe today you're saving for a down payment. Maybe you're working on your ...
10/05/2026

Every homeownership journey starts somewhere.

Maybe today you're saving for a down payment. Maybe you're working on your credit, paying down debt, or simply learning what it takes to buy a home.

You don't have to have everything figured out today. Start with what you know, create a plan, and take the next step.

Progress starts when you decide to begin.

If homeownership is one of your goals, let's talk about your options and what your first step could look like.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Here's something every homeowner should consider: Start saving for home repairs before something breaks.Your mortgage pa...
10/02/2026

Here's something every homeowner should consider: Start saving for home repairs before something breaks.

Your mortgage payment isn't the only expense that comes with owning a home. Roof repairs, plumbing issues, appliance replacements, and HVAC maintenance can all become unexpected costs.

One simple trick is to create a separate home maintenance savings fund. Start with an amount that works for your budget and contribute consistently.

Even small contributions can help you prepare for future repairs instead of scrambling to find money when something goes wrong.

And if you're planning to buy a home, remember to factor maintenance and repair savings into your overall homeownership budget.

Owning a home is a big financial commitment. Preparing for the unexpected is part of protecting that investment.

Already have a home maintenance fund, or is this something you're starting to build?

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Address

7880 W 87th Drive
Arvada, CO
80005

Telephone

+13035644053

Website

Alerts

Be the first to know and let us send you an email when Charlie Flohr with Edge Home Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Charlie Flohr with Edge Home Finance:

Shortcuts

Sponsored

Share

Category