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Derek Gonnerman- Edge Home Finance NMLS# 2093379

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United States
Windsor, CO
Derek Gonnerman- Edge Home Finance NMLS# 2093379

Your one stop shop for all of your home finance needs. My mission is to serve our customers with honesty, integrity and competence.

Call today for a free consultation

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout CO, FL, IN, OK, TN, & TX My goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, I pledge to help borrowers overcome roadblocks that can arise while securing a loan. We speci

alize in conventional, FHA, VA, & USDA purchases and refinances. I will always be available to answer your questions and to explain the process step by step. I work very hard to make your home finance transaction as STRESS FREE as possible. I intend on building lasting relationships with my clients and hope to help them for years to come. I primarily service clients in Windsor, Loveland, Fort Collins, Highlands Ranch, and the RainDance development in Colorado. NMLS # 2093379
Company NMLS # 891464

Equal Opportunity Housing Lender

03/24/2026

I’ve had a lot of people ask me about credit scores recently...

Here are a few ways to quickly increase your score! 📢

DM me if you need personalized credit advice

02/21/2026

New 5.0-star Review: "The team made the process easy. Any hiccups they were on top of the issue and had it resolved immediately."

02/18/2026

Thank you! Another 5-star review from a happy homeowner. Thinking about buying or refinancing? Let’s get started!

02/09/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates were slightly worse in the early part of the week, before improving after Thursday's jobs data showed a softening labor market, opening the door ever so slightly to the possibility of a Fed rate cut in the first half of the year. Rates improved to end the week basically unchanged.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Markets will once again be watching labor data after last week's BLS jobs report was delayed due to the partial government shutdown. Rates could end the week improved depending on how the labor data and consumer inflation data come in this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: Last week’s BLS jobs report was delayed until this Wednesday, which could give mortgage rates a chance to improve. Markets reacted strongly to last week’s data, so if this report shows weakness, rates could once again improve, although we aren't likely to see a big drop in rates.
- Inflation data: Consumer inflation data will be released on Friday, and any sign that inflation is continuing to fall could help rates improve. Although it is possible inflation may not drop much, it is unlikely that it will move higher, which could pressure rates.

02/08/2026

New 5.0-star Review: "Derek was a great help and kept everything on track for a quick close. The whole process, from application to underwriting to dotting the i’s and crossing the t’s, could not have been any better. Highly recommend and would definitely work with him again!!"

02/04/2026

Don’t let 𝘯𝘰𝘵 getting pre-approved cost you your dream home.

Why does being pre-approved matter? 🤔

👉 A pre-approval means you’ve already shared your income, assets, and credit with a lender to determine exactly how much you could qualify for.
In many cases, this can make your offer stronger and help you stand out in a competitive situation.

On the other hand…
If you fall in love with a home without being pre-approved beforehand, you’re often several steps behind another buyer, and sellers may not take your offer as seriously.

Ready to start the process and get pre-approved?
Give me a call or send me a message. I’m happy to work with you to figure out what you could qualify for based on your situation and where you are in the home buying process.

The conversation is completely free, my goal is to help you make the best move when the time is right. 🏡👍

02/02/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates stayed low last week but didn’t move any lower. With the Fed holding policy rates steady and no surprises from the meeting or Fed Chair Powell's press conference, markets had little to react to, keeping mortgage rates stable through the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Markets will be watching several labor market reports this week, but mortgage rates may not react as strongly as they usually do because there’s still a lot more data coming before the Fed meets again in March. Rates are likely to stay low, though probably not quite as low as they were a couple of weeks ago.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: A number of labor market reports are coming out this week, including job openings, layoffs, private payrolls, and unemployment claims. The most important report will be Friday’s BLS jobs data, which includes unemployment, job growth, and wage information that could affect mortgage rates this week.
- Economic data: A few additional reports will be released this week that could cause small day-to-day changes in mortgage rates, but nothing that’s expected to push rates meaningfully higher or lower.

02/01/2026

New 5.0-star Review: "Derek made things very easy. And if he didn’t answer the phone he’d call back within 5-10 minutes. I’d refer anyone to him to have things run smoothly and so much less stressful when buying a home."

01/28/2026

The market is always moving, and waiting for the “perfect time” can quietly turn into missing a really good one.

Rates have been easing lately, and honestly, a lot of people haven’t even noticed yet.

If buying has been on your mind, this doesn’t have to be a big, scary decision. It can start as a simple conversation.

You don’t have to time the market. You just have to be ready when the moment feels right. If you want to potentially save big or take the first step. Now would be the time. Send me an email or a message, and let's talk.

I’m happy to help you get there 🏡☕

01/26/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates jumped last week as markets reacted to two big developments. First, a bond selloff in Japan spilled into global bond markets. Second, rising geopolitical tensions driven by talk of the U.S. taking over Greenland and possible tariffs on European allies added more pressure. While tensions eased somewhat later in the week after a framework for a deal was announced, mortgage rates improved but remained elevated.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Although rates are higher than the recent lowest levels of the year, they remain lower than at almost any point last year. That’s likely to remain the case this week, although there could be some volatility following this week’s Fed meeting and press conference.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: The Fed wraps up its meeting on Wednesday, and no policy rate changes are expected. The bigger question is what Fed Chair Powell says afterward, since his comments often cause rates to move as markets try to figure out what could come next.
- Economic data: There’s some data coming out this week that could move rates a little, but nothing that should cause concern about higher rates or meaningfully push rates lower.

Address

Windsor, CO
80550

Opening Hours

Monday	8am - 9pm
Tuesday	8am - 9pm
Wednesday	8am - 9pm
Thursday	8am - 9pm
Friday	8am - 9pm
Saturday	8am - 9pm
Sunday	8am - 9pm

Telephone

+17208388631

Website

http://www.mortgagebrokerderek.com/

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