Charlie Flohr with Edge Home Finance

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

When preparing to buy a home, many people focus only on their credit score.But your existing monthly debt obligations ca...
09/03/2026

When preparing to buy a home, many people focus only on their credit score.

But your existing monthly debt obligations can also play an important role.

That's where Debt-to-Income Ratio (DTI) comes in.

DTI helps lenders evaluate how certain monthly debt obligations compare with your gross monthly income. Your potential mortgage payment, auto loans, credit card payments, student loans, and other qualifying debts may all be part of the bigger picture.

The good news? DTI is only one part of mortgage qualification.

Your income, credit history, assets, employment, loan program, and other factors can also matter.

The key is to understand where you stand before making major decisions.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Curious about how your current income and debts may affect your mortgage options? Let's connect and start the conversation.

Pre-qualified. Pre-approved. They may sound like the same thing, but they can involve different levels of financial revi...
09/02/2026

Pre-qualified. Pre-approved. They may sound like the same thing, but they can involve different levels of financial review.

Pre-qualification is often an early look at your potential borrowing ability based on the information available.

Pre-approval generally involves a more detailed review of your financial information and documentation.

Understanding the difference can help you know where you stand before you begin seriously shopping for a home.

And remember: qualifying for a certain amount doesn't automatically mean you should spend that amount. Your mortgage should fit into your overall financial goals and lifestyle.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Thinking about buying a home soon or in the future? Let's start the conversation and help you understand your options and next steps.

Receiving a mortgage denial can feel discouraging—but it doesn't automatically mean your dream of homeownership is over....
09/01/2026

Receiving a mortgage denial can feel discouraging—but it doesn't automatically mean your dream of homeownership is over.

The most important step is understanding why the application was denied.

Was it related to income, debt, credit, documentation, employment, the property, or another loan requirement?

Once you understand the reason, you may be able to create a plan for moving forward. That could mean improving your financial profile, reducing certain debts, building savings, gathering additional documentation, or exploring other options when appropriate.

The key is not to assume that one decision defines your entire future.

Sometimes, "not yet" simply means it's time to prepare.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

If you're planning for homeownership but aren't sure where you currently stand, let's connect. We can discuss your goals and help you better understand the steps you may want to take toward a future mortgage.

Big goals are rarely reached all at once.Saving a little more, learning about your mortgage options, improving your fina...
08/31/2026

Big goals are rarely reached all at once.

Saving a little more, learning about your mortgage options, improving your financial position, or simply starting the conversation can all move you closer to where you want to be.

Homeownership is a journey, and every smart step forward matters.

Keep going. Your progress today can help create opportunities for tomorrow.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Whether you're thinking about buying, refinancing, exploring a VA loan, or planning your next financial move, let's talk about the options available to you.

Starting a new job can be exciting—but if you're in the middle of buying a home, it's important to understand how a job ...
08/28/2026

Starting a new job can be exciting—but if you're in the middle of buying a home, it's important to understand how a job change could affect your mortgage process.

Changing jobs doesn't automatically mean you won't qualify. However, your lender may need to review your new position, income structure, employment history, and other factors.

Even a higher-paying job can require additional documentation and review.

The best approach?

Communicate early. Don't make assumptions. Ask questions before making major financial or employment changes during the mortgage process.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Planning to buy a home and considering a job change? Reach out before making your move. Let's discuss your situation and help you understand how it may affect your mortgage options.

Buying a home involves a lot of terminology, and two terms that are often confused are appraisal and home inspection.The...
08/28/2026

Buying a home involves a lot of terminology, and two terms that are often confused are appraisal and home inspection.

They're not the same.

An appraisal provides an independent opinion of the property's value and can play an important role in the mortgage process.

A home inspection focuses on the condition of the property and can help identify potential issues with things like the roof, HVAC, plumbing, electrical systems, and other components.

One answers:

"What is the home worth?"

The other helps answer:

"What condition is the home in?"

Understanding the difference can help you feel more prepared and confident throughout the homebuying process.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Thinking about buying a home? Let's connect and talk through the mortgage process, your financing options, and what you should know before you get to the closing table.

Should you pay extra upfront to potentially get a lower mortgage rate?That's where mortgage points come into the convers...
08/26/2026

Should you pay extra upfront to potentially get a lower mortgage rate?

That's where mortgage points come into the conversation.

Discount points are upfront charges paid to the lender in exchange for a lower interest rate. While a lower rate may reduce your monthly principal and interest payment, you're paying more upfront to get that benefit.

The key is figuring out whether the potential monthly savings justify the upfront cost—and how long you expect to keep the mortgage.

That's why comparing mortgages isn't simply about finding the lowest rate.

Look at the rate, points, closing costs, monthly payment, and loan terms together.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Not sure whether paying points makes sense for your situation? Let's run through the numbers together so you can make an informed mortgage decision.

A new week is another opportunity to move closer to the future you want.Maybe buying a home isn't possible for you today...
08/25/2026

A new week is another opportunity to move closer to the future you want.

Maybe buying a home isn't possible for you today. Maybe you're still saving, improving your credit, paying down debt, or simply trying to understand your options.

That's okay.

You don't have to be ready today to start preparing today.

Every step you take—learning more, getting your finances organized, understanding your mortgage options, or simply having the right conversation—can help put you in a stronger position for tomorrow.

Don't give up on the goal just because you're not there yet.

Keep preparing. Keep learning. Keep moving forward.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

If homeownership, refinancing, VA financing, or another mortgage goal is on your mind, let's talk about where you are today and where you want to go.

Before choosing a mortgage, don't be afraid to ask questions.What's the total monthly payment?How much cash will I need ...
08/24/2026

Before choosing a mortgage, don't be afraid to ask questions.

What's the total monthly payment?
How much cash will I need to close?
Which loan programs might I qualify for?
How long do I plan to stay in the home?
What should I avoid doing during the mortgage process?

The interest rate is important, but it's only one part of the equation.

Your mortgage should be evaluated based on the complete financial picture, including the payment, fees, loan terms, cash required to close, and how the loan fits into your goals.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Buying a home soon or just starting to explore your options? Let's connect. I'm happy to help you understand the questions you should be asking before choosing your mortgage.

Should you put extra money toward your mortgage?It can be a smart strategy for some homeowners. Additional principal pay...
08/20/2026

Should you put extra money toward your mortgage?

It can be a smart strategy for some homeowners. Additional principal payments can reduce your loan balance and potentially reduce the amount of interest paid over the life of the mortgage.

But before putting every extra dollar toward your home, consider the bigger financial picture.

Do you have an emergency fund? Do you have higher-interest debt? Are you contributing toward your other financial goals? What does your mortgage allow?

The goal isn't simply to pay off your mortgage as quickly as possible.

The goal is to make financial decisions that support your overall plan.

Charlie Flohr
Mortgage Officer | Edge Home Finance
NMLS #195823

Have questions about your mortgage or thinking about your long-term homeownership strategy? Let's connect and talk through your options.

Address

7880 W 87th Drive
Arvada, CO
80005

Telephone

+13035644053

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