Adam Fry NMLS# 1962837

Adam Fry NMLS# 1962837 Your local lender Adam Fry NMLS # 1962837 | Adam Fry Mortgage powered by Edge Home Finance NMLS # 891464 Hey, I'm Adam Fry.

I'm a mortgage broker based in Colorado, and I work with borrowers across all 50 states. Through Adam Fry Mortgage, powered by Edge Home Finance,LLC. I help people get into conventional loans, non-QM products, and land loans. I'm also an affiliate lender with the Homes for Heroes program, which offers real savings for teachers, firefighters, law enforcement, healthcare workers, and military. You can learn more at www.heroes303.com. I'm a Colorado native, so when I'm not working on loan files, you'll probably find me fly fishing, biking, golfing, or bowling. Family and faith are the anchors in my life, and honestly, that carries over into how I do business. I try to be straight with people, do the right thing, and actually solve problems. If you have a mortgage question or a loan that didn't fit somewhere else, I'm happy to take a look. Edge Home Finance LLC is a licensed mortgage broker in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

End-of-Summer Home Maintenance TipsI hope you’re doing great! Before the summer season ends, I wanted to share some impo...
08/31/2026

End-of-Summer Home Maintenance Tips
I hope you’re doing great! Before the summer season ends, I wanted to share some important home maintenance tips to prepare for the months ahead.
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Outdoor Checklist
Clean gutters and downspouts
Seal doors and windows with caulking
Inspect the roof to do a heat damage check
Fix cracks in the driveway and walkways
_ _ _
Indoor Checklist
Clean or replace HVAC filters
Check the batteries in your smoke and carbon monoxide detectors
Make sure fire extinguishers are in working order
Clean your dryer vent to remove dust buildup
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If you run into a need for major home repairs, give me a call to see if you can unlock your built-up equity to fund the project.
Home equity financing costs much less than using credit cards. In fact, you can use your home equity for anything you want – including paying off debt and saying goodbye to those rising credit card costs!

Non-QM Loans Go MainstreamNon-QM (non-qualified) loans were a niche product until fairly recently. Non-QM mortgages offe...
08/24/2026

Non-QM Loans Go Mainstream

Non-QM (non-qualified) loans were a niche product until fairly recently. Non-QM mortgages offer flexible options for people that don’t meet the strict requirements to qualify for a conventional mortgage. Let’s take a look at who can benefit from this increasingly popular type of loan program.

Self-Employed and Freelance Buyers

Self-employed and freelance workers often use tax write-offs to lower their reported net income and reduce the amount of tax they must pay. The down side is, when applying for a conventional mortgage, the lender looks at that reduced income as a baseline for how much you can borrow.

Conversely, a Non-QM loan allows for alternative documentation, where you may be able to provide 12-24 months of bank statements instead of the standard W-2s and tax returns. This can make the difference between closing the deal on a home or not qualifying at all!

High-Net-Worth Buyers

Retirees and high-net-worth buyers can also use alternative documentation to qualify for a non-QM mortgage without liquidating their investments. The lender may look at the accumulated assets of savings, retirement funds, or investments, rather than a steady paycheck. This allows the borrower to keep their investments intact and earning money, instead of cashing out to close the deal.

Commission-Based and Seasonal Workers

The underwriter can look at a borrower’s total earnings over a year to calculate an average monthly income, rather than penalizing gaps or fluctuation in income.

These are just a few scenarios where a Non-QM loan makes sense for the borrower. If you, or your friends and family, have any questions about mortgage planning, we’re here to walk you through all your options. We’re just a phone call away and I look forward to talking with your soon!

Cracking the Code on Down PaymentProspective home buyers have more negotiating power now, as sellers outnumber buyers by...
08/10/2026

Cracking the Code on Down Payment
Prospective home buyers have more negotiating power now, as sellers outnumber buyers by about 50% nationwide. Still, many first-time buyers are grappling with how to save for the down payment to take that big step. Here are a few tips to put an effective plan in motion.

Know Your Budget
Work out how much house you can afford, based on your monthly income and expenses. From there, calculate a realistic amount for your down payment goal.

Cut Down on Expenses
Take a look at recurring bills and cancel things you don’t use. Look for better pricing on things like cell phone service, auto insurance, or Internet and cable access. Cut down on eating out or entertainment costs. Come up with a realistic number on how much you can commit to saving each month.

Set Up Auto-Transfers
Open a dedicated bank account to save for your down payment, and schedule automatic transfers to guarantee your money is set aside in an “off-limits” account. This also gives you an easy way to track your progress.

If you have any questions about mortgage planning, we’re just a phone call away! We specialize in providing personalized service to help you meet your unique goals.

Fed Meeting Causes UpheavalThe Federal Reserve’s July meeting leaves the benchmark interest rate unchanged once again at...
08/07/2026

Fed Meeting Causes Upheaval

The Federal Reserve’s July meeting leaves the benchmark interest rate unchanged once again at the target range of 3.50% to 3.75%, with three of the nine committee members calling for a rate hike. This rattled Wall Street as the Dow plunged 1,153 points, and the 30-year Treasury yield surged to the highest level since 2007. While the Dow partially recovered the following day, the national average on 30-year fixed-rate mortgages ticked up to 6.66% according to Freddie Mac’s weekly survey.

What to Do When Rates Are Volatile

Mortgage rates move with the bond market – which no one can predict – so timing the market can be a gamble. However, prospective homebuyers can take a proactive approach to get the best rate possible.

Improve Your Financial Snapshot: Work on raising your credit score and decreasing your debt-to-income ratio (DTI) to qualify for lower interest rates and fees. Ultimately, a credit score of 760 and above, coupled with a DTI of 36% or less of your gross monthly income is ideal.

Consider Various Loan Programs: Thirty-year fixed-rate mortgages are by far the most popular, but there are many other types of loans available. For example, FHA loans allow for lower credit scores, lower down payments, lower interest rates, higher DTI limits, and gift money to cover down payment and closing costs. Crunch the numbers with a seasoned mortgage pro to understand all your options, and get side-by-side loan comparisons to help you make an educated decision.

Buy Discount Points: If you intend to stay in the home for an extended period of time, consider buying discount points to lower your interest rate and monthly payments.

Make a Larger Down Payment: The more you can allot for down payment reduces your loan amount. By putting 20% down, you can eliminate paying private mortgage insurance (PMI) and reduce your monthly payment.

Decide Whether to Lock or Float: If you have a 30- to 60-day closing window, consider locking in your rate if rates appear to be trending up. Some lenders offer a float-down option that gives you the opportunity to lower your rate if the market improves.

Whether you’re interested in buying a home, refinancing, or unlocking your built-up equity, we have the tools and the team to expedite your loan process. Give us a call to explore your options! We’re here to help.

When Discount Points Make SenseMortgage rates on 30-year fixed-rate loans are currently floating in the mid-6% range, an...
07/26/2026

When Discount Points Make Sense

Mortgage rates on 30-year fixed-rate loans are currently floating in the mid-6% range, and many experts are forecasting rates will remain there for the rest of the year. This leads some prospective homebuyers to consider buying discount points upfront to lower their interest rate.

How It Works

Discount points are optional, and they function as prepaid interest payments to the lender. Buying points upfront permanently lowers the interest rate on a mortgage, thus reducing the monthly payment.

Each point costs 1% of the total loan amount. For example, if you have a $300,000 loan, then one point would cost $3,000. Each discount point purchased at closing may lower your interest rate by roughly .25%, depending on the lender and loan program. This can save thousands of dollars in interest payments over the life of the loan.

How Long Will You Be in the Home?

Buying discount points makes sense if you plan on staying in the home for an extended period of time. This gives you time to break even on the upfront cost of the points.

Once you pass the break-even point, less of your monthly payment goes toward interest and more goes toward the principal balance, earning more equity.

My team and I help our clients weigh out all their options to meet their individual mortgage goals! Give me a call if you – or your friends and family – need a dependable mortgage team that’s ready to go the extra mile.

What is a Temporary Buydown?Temporary buydowns are popular in today’s market, because they lower the monthly payment for...
07/13/2026

What is a Temporary Buydown?

Temporary buydowns are popular in today’s market, because they lower the monthly payment for a homebuyer for a set period of time, usually one to three years.

How Does it Work?

Funds for a temporary buydown are typically provided by a seller, builder, or lender as a seller concession. For example, a seller may offer a temporary buydown as a way to make their property more attractive to buyers, without lowering the asking price of the home.

The funds to cover the buydown are deposited upfront into an escrow account at the time of closing. Then, the loan servicer pulls money from that account to make up the difference for each monthly payment, according to the terms of the buydown agreement.

Let’s say the seller is offering a 3-2-1 buydown, and the buyer qualifies for a 30-year fixed-rate loan with a 6.5% interest rate. It may roll out as follows for the buyer.
Year 1: The interest rate is 3.5%.
Year 2: The interest rate is 4.5%.
Year 3: The interest rate is 5.5%.
Year 4: The interest rate returns to the permanent fixed rate of 6.5%.

Buyers should know, they must be able to qualify for the full loan amount at the permanent rate, in order to take advantage of a buydown discount. This is still a great way to ease into homeownership with a reduced interest rate payment.

Give me a call if you have any questions about mortgage planning! My team and I have an eagle eye on the market to secure the best rates and the best loan options for our clients.

Backyard BBQ Bash on a BudgetI hope your summer is off to a great start! Here are some creative ideas for your next back...
06/29/2026

Backyard BBQ Bash on a Budget
I hope your summer is off to a great start! Here are some creative ideas for your next backyard barbecue, without spending a ton of money.

Shop Smart
Swap out beef for more affordable proteins, such as chicken thighs and drumsticks, pork, or hot dogs. Check the local ads to see what’s on sale, use coupons, and take advantage of membership discounts.

Hot Tip: Turkey burgers are an inexpensive and healthy switch from hamburgers! You’ll find great recipes online that include bread crumbs and egg in the mixture, so your chilled turkey patties hold shape on a hot, well-oiled grill.

Make it a Potluck
Let your guests know what you’re providing as the main course, and ask them to bring either a side, salad, desert, or refreshments.

Hot Tip: Share a digital sign-up sheet so friends can see who’s bringing what, and avoid the appearance of duplicate dishes.

DIY Entertainment
Put together some fun activities that kids and adults can both enjoy! Think about a water balloon baseball game, or a water balloon piñata to cool things off.
Hot Tip: Ask your guests to bring an extra change of clothes to dry off.

Don’t forget, We love referrals! If you know anyone who needs a qualified mortgage professional, please give me a call. My team and I have our eyes on the market at all times, and we specialize in mortgage planning to build wealth for a healthy financial future.

Rate Alert: Fed Holds, Rates DropThe Federal Reserve met last week and unanimously voted to hold the benchmark interest...
06/22/2026

Rate Alert: Fed Holds, Rates Drop

The Federal Reserve met last week and unanimously voted to hold the benchmark interest rate steady at 3.50% to 3.75%. While inflation is currently elevated at 4.2%, the Fed remains dedicated to delivering price stability. Of the 18 members of the Federal Open Market Committee (FOMC) who released their dot plots to the media, nine members project a rate increase by the end of the year.

In other news, markets responded to the tentative peace agreement between the U.S. and Iran, causing the yield on the U.S. 10-year Treasury note to drop to 4.44%. This, in turn, brought mortgage rates down slightly.

Freddie Mac reported the national average on 30-year fixed-rate mortgages down to 6.47% as of June 18th, with the average 15-year fixed-rate mortgage down to 5.81%.

If you, or your friends and family, are interested in purchasing a home, refinancing, or unlocking existing home equity, we’re here to help!

There are several factors that affect your interest rate when applying for a mortgage. My team and I specialize in providing customized solutions to deliver optimal results for our clients! We’re just a phone call away, and we hope to hear from you soon.

Address

Denver, CO
80125

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm

Telephone

+13035033767

Website

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