My first home
A clear plan for your payment, cash to close, and every step between preapproval and keys.
First-time buyer guidanceMortgage guidance for real life
The right mortgage startswith the right strategy.
Clear advice and thoughtful loan options for first-time buyers, move-up buyers, and people whose income doesn’t fit neatly in a box.
Colin Klechak • Branch Manager • NMLS #954694
Where are you headed?
Financing built around
your next move.
You don’t need to know which loan you need. Start with where you are—and where you want to go.
My next home
Make your current equity, sale timing, and next purchase work together—not against each other.
Move-up strategiesI’m self-employed
Your tax return may not tell the whole story. We’ll find the strongest path through conventional or non-QM financing.
Self-employed optionsEdge Home Finance, LLC | Company NMLS #891464 | Gilbert, AZ Branch NMLS #2479513
Colin Klechak, Branch Manager | NMLS #954694
5860 Baker Road, Minnetonka, MN 55345
Equal Housing Opportunity Verify licensing at www.nmlsconsumeraccess.org
Disclaimer: “Klechak Mortgage” is a marketing designation powered by Edge Home Finance, LLC. Edge Home Finance, LLC is licensed in 49 states and D.C. (Not licensed in NY). Loan programs, terms, and eligibility are subject to applicable underwriting guidelines. This website is for general information and is not a commitment to lend.
Why a mortgage broker?
More options.
One clear strategy.
A mortgage broker helps you compare lenders, loan structures, and guidelines through one trusted point of contact.
01
We compare the market
Instead of being limited to one bank’s products, we can review options from a broad network of lenders and identify strong fits for your goals.
02
A broader range of options
Different lenders may offer different programs, pricing, and ways to structure the same loan. We compare the meaningful tradeoffs side by side.
03
Guidelines that fit the borrower
Straightforward or complicated, the goal is to match your income, credit, property, and priorities with a lender whose guidelines make sense.
04
One point of contact
You work directly with me from the first conversation through closing—without having to chase multiple lenders on your own.
What to expect
A clear path from
conversation to closing.
No guessing about what comes next. I’ll explain the process, the numbers, and the decisions in front of you at every stage.
Start with a conversation
Tell me what you’re trying to accomplish, what feels comfortable monthly, and what questions are still getting in the way.
Complete a secure application
Share the details needed to understand your income, assets, credit, property, and overall financial picture.
Compare clear options
We’ll review the payment, cash to close, costs, and meaningful tradeoffs so you understand why a strategy may fit.
Move toward closing
I’ll stay involved, communicate with the people in your transaction, and help keep the loan moving from approval through closing.
Refinance with a purpose
Your mortgage should support
what comes next.
Refinancing is about more than chasing a lower rate. We’ll compare the cost, monthly impact, break-even point, and long-term tradeoffs before deciding whether a new loan makes sense.
Explore refinance optionsImprove the payment
Explore whether a different rate, term, or loan structure could better fit your monthly goals.
Use your equity
Consider cash-out financing for home improvements, major expenses, or other planned needs.
Consolidate debt
Compare higher-interest monthly debts with a mortgage-based strategy—including the total cost and risks.
Remove mortgage insurance
See whether your equity and current loan structure create an opportunity to eliminate monthly mortgage insurance.
Refinance an investment
Evaluate rate-and-term, cash-out, conventional, or DSCR possibilities for a rental property.
Not sure which goal fits?
Let’s run the numbers before you decide.
Apply securelyRefinancing may increase the total finance charge over the life of the loan. Debt consolidation does not eliminate debt and may convert unsecured debt into debt secured by your home.
Edge Home Finance, LLC | Company NMLS #891464 | Gilbert, AZ Branch NMLS #2479513
Colin Klechak, Branch Manager | NMLS #954694
5860 Baker Road, Minnetonka, MN 55345
Equal Housing Opportunity Verify licensing at www.nmlsconsumeraccess.org
Disclaimer: “Klechak Mortgage” is a marketing designation powered by Edge Home Finance, LLC. Edge Home Finance, LLC is licensed in 49 states and D.C. (Not licensed in NY). Loan programs, terms, and eligibility are subject to applicable underwriting guidelines. This website is for general information and is not a commitment to lend.
Know your numbers
Turn “what if?” into
a real scenario.
Adjust the basics to get a useful starting point. When you’re ready, we’ll add the details that make the estimate yours.
ConventionalFHAVAJumboBank statementDSCR / InvestorNon-QM
Payment estimate30-year fixed
ESTIMATED MONTHLY PAYMENT$3,314
Apply now Principal & interest $2,771 · Taxes $250 · Insurance $125 · Est. MI $169
For illustration only. Taxes, insurance, mortgage insurance, rates, and eligibility vary.
Edge Home Finance, LLC | Company NMLS #891464 | Gilbert, AZ Branch NMLS #2479513
Colin Klechak, Branch Manager | NMLS #954694
5860 Baker Road, Minnetonka, MN 55345
Equal Housing Opportunity Verify licensing at www.nmlsconsumeraccess.org
Disclaimer: “Klechak Mortgage” is a marketing designation powered by Edge Home Finance, LLC. Edge Home Finance, LLC is licensed in 49 states and D.C. (Not licensed in NY). Loan programs, terms, and eligibility are subject to applicable underwriting guidelines. This website is for general information and is not a commitment to lend.
Meet Colin
Mortgages are complicated.
My job is to make yours understandable.
I believe you should know why a loan makes sense—not simply be told that it does. I’ll walk you through the tradeoffs, put the numbers in plain English, and help you choose a path that fits the life you’re building.
- Straight answers
- Side-by-side scenarios
- Guidance through closing
Client reviews
Guidance people
remember.
5-star client experiencesReviews shared on Google
Edge Home Finance, LLC | Company NMLS #891464 | Gilbert, AZ Branch NMLS #2479513
Colin Klechak, Branch Manager | NMLS #954694
5860 Baker Road, Minnetonka, MN 55345
Equal Housing Opportunity Verify licensing at www.nmlsconsumeraccess.org
Disclaimer: “Klechak Mortgage” is a marketing designation powered by Edge Home Finance, LLC. Edge Home Finance, LLC is licensed in 49 states and D.C. (Not licensed in NY). Loan programs, terms, and eligibility are subject to applicable underwriting guidelines. This website is for general information and is not a commitment to lend.
Good questions. Clear answers.
Before we
talk.
These are good starting points. Your income, property, credit, loan program, and goals determine the final answer for your situation.
Does starting an application affect my credit?+
Completing an application does not automatically mean a hard credit inquiry. A credit review may be needed to evaluate your options, and I’ll explain the type of inquiry and obtain your authorization before it is completed.
How much money should I prepare for closing?+
It depends on the home price, down payment, loan program, taxes, insurance, lender costs, and any seller or lender credits. I’ll show you an estimated cash-to-close figure and explain what can still change.
Can you work with my real estate agent?+
Yes. With your permission, I can coordinate with your agent and other parties so the financing timeline and home search stay aligned.
What does “clear to close” mean?+
It generally means the lender’s required underwriting conditions have been satisfied and the loan can move toward final closing steps. Final documents, timing, and funding requirements may still apply.
Do you work with self-employed borrowers?+
Yes. Self-employed financing may use tax returns, business financials, bank statements, or other documentation depending on the loan program and your situation.
Can I use a VA loan if some entitlement is already in use?+
Possibly. Remaining entitlement, the county loan limit, current VA loan status, purchase price, and lender review all matter. The calculator above is a useful estimate, and I can review the full scenario with you.
Trusted lending partner
Backed by Edge.
Built around you.
Personal guidance from Colin Klechak, with the lender access and resources of Edge Home Finance.
Your next step
Ready to move
forward?
Start securely through Edge Home Finance. Applying does not guarantee approval, but it gives us the information needed to understand your options.
928.202.7340