Your Social Security number
Needed to pull credit later — not at the moment you apply.
Secure Online Application
Apply online. It takes about 10 minutes.
Real talk — this is the part most people dread, and it is honestly the easy part. Fill it out with your best estimates, hit submit, and I take it from there.
Rather do it over the phone? Call or text me at 303-587-4297 and we'll fill out your application together, right then and there.
Opens the secure application in a new tab. No cost, no obligation, and starting it does not pull your credit.
Grab these before you click
Three things. That is the whole list.
Contact and employment information
We just need to know where you've lived and worked for the last two years.
Best estimates of income, assets, and debts
Ballpark is fine. Nobody expects you to have the statements open.
Don't have a document handy? Use your best guess. Most lenders won't tell you this, but the application is a starting point, not a test. We straighten out the exact numbers together once we talk. Nothing gets locked in based on an estimate you made at your kitchen table.
What happens after you hit submit
Most lenders qualify you and say go get 'em. That's usually where their conversation ends. Here's where mine starts.
I actually read it
Not a call center. Your application comes straight to me, and I go through it myself before I ever pick up the phone.
We talk — usually same day
I call you and tell you where you really stand. If something needs fixing first, you hear it straight, along with exactly how to fix it.
You get the Personalized Homebuyer Seminar
A one-on-one session where we walk through your options — programs, down payment assistance, closing costs, escrows, seller concessions. All of it, in plain English.
See what we cover →Ready when you are.
Ten minutes now saves you a week of wondering. And if the answer turns out to be “not yet,” I'll tell you exactly what to do between now and then.
The online application is powered by ARIVE. By clicking “Apply Online Right Now” and creating an account, you agree to Edge Home Finance, LLC’s Privacy Policy and Terms of Use , and to ARIVE’s Privacy Policy and Terms of Use . Submitting an application is not a commitment to lend. All loans subject to credit approval.
Not ready to apply yet? Good.
Some of my favorite clients started with me 6 to 12 months before they bought anything. That runway is where the real work happens — credit, savings, the plan. If that's where you are, skip the application and just reach out. We'll map it out and check back in when it's time.
Questions people ask before they apply
How long does the online mortgage application take?
Most people finish in about 10 minutes. You do not need every document in hand to start — best estimates are fine, and we clean up the details together afterward.
Does applying online hurt my credit score?
Starting the application does not pull your credit. Nothing is checked until you and Ben have talked and you have given the go-ahead. A single mortgage credit inquiry has a small, short-lived effect, and all mortgage inquiries inside a shopping window count as one.
What if I am not ready to buy for another six months?
Then this is the best time to talk. Ben would rather map out the next 6 to 12 months with you than have you find out in a rush what you should have fixed. You can still apply now so he can see the real picture, or just call and start with a conversation.
Who sees my application?
Ben Yost personally, and the Edge Home Finance team supporting the file. The application runs on ARIVE, a secure encrypted mortgage platform. Your information is never sold.
What do I need before I start the application?
Your Social Security number, your contact and employment information, and best estimates of your income, assets, and monthly debts. That is enough to get started.
Still stuck on something? Call or text me at 303-587-4297 . No pressure, no sales pitch — just straight answers.