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Mortgage Calculator

Use our mortgage calculator to estimate your monthly mortgage payment, including taxes and insurance.

Refinance Calculator

Use our refinance calculator to estimate how much money you can save by refinancing your mortgage to a lower rate or shorter term.

Extra Payment Calculator

Use our extra payment calculator to determine how much more quickly you may be able to pay off your debt.

Disclaimer
The calculators on this site are made available to you as self-help informational tools and are not intended to provide investment advice. We do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Edge Home Finance

Edge Home Finance Awarded

National Mortgage Brokerage of the year by AIME Group for 2023!​

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Your time & money matter. Let’s not waste either.

From fast, custom quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it — usually in less than 30 days.

Refinance Loans

Refinance your current mortgage loan to: • Lower your Interest Rate/Payment • Shorten your loan term • Consolidate other debts • Get cash from your equity to do renovations, etc.

Commercial Loans

If you are looking into purchasing or refinancing a commercial property, we can help with that in all 50 states.
Apartment Complexes – Storage facilities – RV/Trailer Parks – Ranch and Ag – Business Acquisition – Land Loans - SBA Loans – New Construction – PLUS many more.

Home Purchase Loans

We have access to all types of mortgage loans for all types of borrowers and their needs. Conventional, FHA, VA, USDA loans along with Non-QM loan products such as Bank Statement loans, etc.

Testimonials

Home Purchase Loans

Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.

Refinance Rates

Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!

Rate Comparisons

Don’t just take the first offer. Shop around. Use our rate comparisons to find the best possible plan for your home ownership strategy.

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Fast Funding

Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.

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Evaluate Your Property

Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.

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Cash-Out Refinance

Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.

Get a FREE Personalized Rate Quote Now!

Testimonials

5_stars
Sean
Kelli was amazing! I called her on a last second attempt to find a more affordable loan and not only did she get us a WAY better rate, but she closed us in just over 2 weeks. That is on top of her holding my hand the entire way and answering all my nervous questions. She was wonderful. She deserves extra start! You could not find a better person to work with! Thank you Kelli!
Jennifer
We were in the process of refinancing and were not liking the numbers we were seeing. We found Kelli, and within seconds she had what we wanted with numbers we could not resist. The process started and we were done within a few weeks. Very easy to work with, I would highly recommend her.
Shari
Kelli is a super star! Such a breath of fresh air. We have had many issues in the past. Kelli made the process easy and pain free. She was always available for questions, kept us updated and was the only person we spoke with! No passing person to person in different areas. I do and will continue to recommend Kelli for all home buying needs!
Tom
Kelli was fantastic to work with! She was always throughout the whole process even during the holidays and after closing. I have recommended friends and family to contact Kelli because they won't be disappointed.
Shannon
Kelli was phenomenal! As a first time home buyer she was great at explaining things in terms I easily understood. She walked me through the entire process and was quick to respond to calls/texts/emails. I'm very grateful to have had her help and expertise.
Dan
Kelli made the entire process easy. The decision to buy a house added a ton of stress to me, but Kelli was able to provide information when I needed it which definitely helped. She was always cheerful and seemed to welcome the opportunity to answer any questions I had. Kelli is definitely very knowledgeable about her job and is determined to provide the best service possible. I would recommend her to anyone looking at buying a house.
Jennifer W.
We have used Kelli several times for home refinance and new home purchase and she is amazing! Kelli kept us apprised every step of the way! She worked so hard to find us the best deal to save us the most money! Kelli had everything for our new home loan ready to go over a week before closing! We are very impressed with Kelli's professionalism and knowledge in world of home buying. I recommend her highly to everyone I know who is looking to buy or refinance. Thank you Kelli!
Elvis
Kelli was so helpful through our fist mortgage we knew we would be using her service on our refinance. And with the low rate, she looked us in on it was a no brainer ongoing through her. I would recommend anyone seeking their fist home or refinance to go through Kelli Phelps due to her professionalism, knowledge, and understanding of how the process works.

Finding the perfect home starts with the a great mortgage

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Copyright ©2023 Edge Home Finance Corporation. All Rights Reserved. Developed by Kmarks, LLC

As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. Edge Home Finance Corp is licensed mortgage broker in the following states AL, AZ, CO, FL, GA, HI, IL, KS, KY, MA, MO, NC, ND, NH, OH, OK, PA, SC, TN, VA, WA and WI.
Kelli Phelps MLO is licensed in Alabama, Colorado, Florida, and Texas. 
The following states require disclosure of licensing information. (If your state is not listed, it does not require a specific license disclosure):
CALIFORNIA – Licensed by the Department of Business Oversight under California Finance Lenders Law
COLORADO – Edge Home Finance Corp, 4530 W 77th St Suite 365 Edina, MN 55435, (763) 219-8484; to check the license status of your mortgage broker, visit http://www.dora.state.co.us/real-estate/index.htm
TEXAS – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

Mortgage Calculator

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Mortgage Refinance Calculator

See if you should refinance your mortgage. Enter the details of your current home loan along with details of a new loan to estimate your savings and see if refinancing is right for you!

Current Mortgage
New Mortgage
Loan Amount
$
$
Interest Rate
%
%
Loan Term
Years
Years
Start of Payment
Extra Principal Payment
$

Refinance Saving

per month
Lifetime Savings
New Payment
/month
Payoff Period
Calculator By: Choice Home Mortgage

Please fill out the information below to have your mortgage analyzed