Colorado First-Time Buyer Mortgage Guide | Adam Fry

A complete first-time buyer playbook covering readiness, savings, monthly payment, offers, inspections, and closing.

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 First-Time Buyer Mortgage Guide | Adam Fry

A complete first-time buyer playbook covering readiness, savings, monthly payment, offers, inspections, and closing.

Everything nobody explains, explained.

Are you readier than you think?

The three buckets of cash.

Six weeks, give or take.

The menu, side by side.

The 2am-Google questions.

You just read the playbook. The next page is a conversation.

Programs

The first-timer playbook

This page is the conversation we have with every first-time buyer — readiness, real costs, timelines, and how the programs compare. Read it, steal it, then call us with the good questions.

Already own and heading to the next house? The move-up guide covers equity and two closings.

Tap every box that’s true today. Most people surprise themselves.

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“How much do I need?” is really three questions. Here they are with a worked example at $285,000.

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

From first hello to keys, the typical arc — assuming the house-hunt cooperates.

Every buyer gets this comparison run on their actual numbers. Here’s the shape of it.

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.

Answered the way we’d answer a friend — including the parts that don’t favor us.

Twenty minutes, free, and specific to your numbers — not the internet’s.

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.