Colorado FHA Mortgage Loans | Adam Fry

FHA loans explained: 3.5% down with a 580+ score, gift funds, mortgage insurance, property standards, and refinance options.

Adam Fry, Sr. Loan Officer

Adam Fry Mortgage powered by Edge Home Finance, LLC.

Phone: (303) 503-3767

Email: [email protected]

NMLS# 1962837

Company NMLS# 891464

Licensed in: CO

Adam Fry, Loan Officer, NMLS# 1962837. "Adam Fry Mortgage" is a marketing designation powered by Edge Home Finance, LLC, NMLS# 891464, 5860 Baker Road, Minnetonka, MN 55345. Edge Home Finance, LLC is a mortgage broker and is not a direct lender. Loans are funded by third-party wholesale lenders. This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting guidelines, property eligibility, and program availability. Rates, terms, and fees are subject to change without notice. Not all applicants will qualify. Licensing information: edgehomefinance.com/licensing-disclaimer. Verify licensing at www.nmlsconsumeraccess.org. Equal Housing Opportunity.

Colorado FHA Mortgage Loans | Adam Fry

FHA loans explained: 3.5% down with a 580+ score, gift funds, mortgage insurance, property standards, and refinance options.

A smaller down payment. A very real set of tradeoffs.

Does FHA match your shape?

The FHA cost garden.

FHA from file to front door.

FHA or conventional?

FHA questions, answered straight.

Let’s see whether FHA helps—or merely sounds easier.

Programs

The FHA buyer playbook

FHA can open the door when credit is still growing or monthly debts are snug. We’ll price the mortgage insurance, property rules, and alternatives—not just celebrate 3.5% down.

Tap the signals that fit. This is a conversation starter, not a qualification result.

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Three numbers grow together: down payment, closing costs, and mortgage insurance.

Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.

The familiar buying path, with two FHA-specific checkpoints.

The answer changes with score, debt ratio, price, and how long you expect to keep the loan.

Down-payment assistance programs exist, and we can explore them with you if one might help.

Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.

Including the mortgage-insurance and appraisal parts the cheerful brochures skip.

We’ll compare FHA and conventional with the same home price and honest full-payment math.

Guidance for every chapter — education first, jargon never. We’d rather teach you the math than talk you into a payment.

Explore

Talk to us

Mon–Sat · 9a–7p MT

After hours by appointment

· Licensed in Colorado · Serving Denver, Littleton & the Front Range, and all of Colorado

Equal Housing Opportunity.

This is not a commitment to lend. Program details, rates, and payment figures are illustrative, change often, and depend on your full application.