Your Denver Mortgage Expert
Access 170+ trusted lenders for the best rates on conventional, FHA, VA, USDA, jumbo, and first-time homebuyer loans. Let James find the perfect loan for you.
James Rangel
Mortgage Broker · NMLS# 2057635
Trusted Lenders
Google Rating
Pre-Approvals
States Licensed
Today's Mortgage Rates
See current rates below. Contact James for a personalized quote — with access to 170+ lenders, he can often beat these rates.
Rate Comparisons
You do better when you get to shop around. Browse the rate comparisons to see which individual mortgage terms make the most sense for you and your next purchasing decision.
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Refinance Rates
With competitive refinancing terms, you can change your monthly budget and create extra financial wiggle room at the end of every month, or receive extra cash for home updates.
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Home Purchase Loans
Secure a home purchase loan to make your dream of homeownership a reality, securing favorable terms and finding competitive possible rates for your monthly budget!
Learn MoreGet Pre-Qualified & Start House Hunting
A pre-qualification letter shows sellers and real estate agents that you're a serious, financially vetted buyer. It estimates how much home you can afford based on your income, assets, and credit — giving you a competitive edge in today's market.
Unlike a full pre-approval, pre-qualification is fast and typically doesn't require extensive documentation upfront. James will guide you through the process and have your letter ready quickly so you can shop with confidence.
Submit a quick online application with basic income and asset info
James reviews your financials and pulls your credit
Receive your pre-qualification letter — often within 24 hours
Shop for homes with confidence and make competitive offers
Why Get Pre-Qualified?
Know Your Budget
Understand exactly how much home you can afford before you start shopping.
Stronger Offers
Sellers take your offer seriously when you have a pre-qualification letter from a lender.
Faster Closing
Much of the paperwork is already done, so you can close on your dream home faster.
170+ Lenders
James shops your file across 170+ lenders to find the best rate and program for you.
Is It Time to Refinance?
Refinancing replaces your current mortgage with a new one — often at better terms. James will run a free analysis to see if refinancing makes financial sense for you.
Lower Your Rate
If rates have dropped since you closed, refinancing could save you hundreds per month.
Cash-Out Equity
Tap into your home's equity for renovations, debt consolidation, or major expenses.
Shorten Your Term
Switch from a 30-year to a 15-year mortgage and pay off your home faster with less interest.
Remove PMI
If your home has appreciated, refinancing can eliminate private mortgage insurance.
Free Refinance Analysis
Not sure if refinancing is right for you? James will review your current mortgage, compare it against today's rates from 170+ lenders, and give you a clear breakdown of your potential savings — completely free.
Mortgage Solutions Tailored to You
With access to 170+ trusted lenders, James will find the perfect loan to match your financial goals.
Conventional Loans
Traditional financing with competitive rates for qualified buyers with strong credit.
FHA Loans
Government-backed loans with lower down payments — ideal for first-time buyers.
VA Loans
Zero down payment loans exclusively for veterans and active military members.
USDA Loans
Rural development loans with no down payment for eligible areas outside Denver metro.
Jumbo Loans
Financing for luxury properties that exceed conventional loan limits in Colorado.
First-Time Buyer Programs
Special programs with down payment assistance and education for new homeowners.
Self-Employment / Bank Statement
Flexible qualifying using bank statements instead of tax returns — perfect for business owners and freelancers.
203k Renovation Loans
Finance your home purchase and renovation costs in a single loan — turn any fixer-upper into your dream home.
Adjustable Rate Mortgages (ARM)
Lower initial rates that adjust over time — ideal if you plan to sell or refinance within a few years.
Reverse Mortgages
Homeowners 62+ can convert home equity into tax-free cash with no monthly mortgage payments required.
Commercial Lending
Financing for investment properties, multi-family units, and commercial real estate projects.
Mortgage Calculator
Get a quick estimate of your monthly payment. Contact James for an exact, personalized quote.
Estimated Monthly Payment
Denver's Go-To Mortgage Broker
Mortgage by James, at Edge Home Finance, offers expert guidance on a wide range of loan programs tailored to your needs. With access to 170+ trusted lenders, James shops the market so you don't have to.
Whether you're buying your first home, refinancing, or investing in property, James provides the personalized attention and local Denver market knowledge you deserve.
Trusted Lenders
Google Rating
Families Helped
Pre-Approvals
Denver Expert
Free Loan Adviser App
Get mortgage-ready with your own personal financial command center. The Loan Adviser App gives you a clear view of your credit, assets, and finances — helping you and James work together to find the best loan for your situation.
Sign up for free and stay on top of your home-buying journey with real-time insights and a direct connection to your loan officer.
Get the Free AppMonitor Your Credit
Track your credit score in real time and get alerts on changes that could affect your mortgage eligibility.
Financial Dashboard
See all your accounts, assets, and liabilities in one place to understand your full financial picture.
Secure & Private
Bank-level encryption keeps your data safe. Only you and your loan officer can access your information.
Always Available
Access your financial profile anytime from your phone or computer — no paperwork required.
What Our Clients Say
"James Rangel is the best Realtor/Broker I have ever had the pleasure of working with in all real estate deals I've had. He is very knowledgeable, professional, and compassionate in whatever situation comes your way during the process. Will never use anyone else."
Maxine Medina
Denver, CO
"Really enjoyed working with James and Mark. They got it done in record time and my family was able to celebrate and decorate for Christmas."
Jesse Campbell
Denver, CO
"James is very knowledgeable and always willing to explain step by step process. He is always encouraging throughout the way! 10/10!!"
Elicia Montoya
Denver, CO
"I highly recommend James, he is very professional and knowledgeable. He cares about your needs, provides prompt and high quality service. He guided me to make the best decision for my future. I appreciate his hard work and expertise. I will definitely recommend him to friends and family."
Saul M.
Denver, CO
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Ready to Get Started?
Contact James today for a free, no-obligation consultation. Get personalized mortgage advice and a custom rate quote.
Call or Text
(983) 777-4557
Office Location
5860 Baker Road
Minnetonka, MN 55345
Business Hours
Open 24/7 · Mon – Sun