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Limited-time offer

Get a $4,000 Lender Credit Toward Your Closing Costs

On loan amounts of $400,000 and above. That's $4,000 you keep in your pocket instead of bringing to the closing table. Answer five quick questions and I'll tell you straight whether your loan qualifies.

  • 25+ years in Colorado lending
  • 160+ lenders shopped on every loan
  • 30+ down payment assistance programs
  • NMLS #243370

Takes about 60 seconds. No credit pull, no obligation.

Question 1 of 5

No credit pull and no obligation. Ben Yost, Mortgage Broker • Edge Home Finance, LLC • NMLS #243370 • Company NMLS #891464

Questions people actually ask

What is a lender credit on a mortgage?
A lender credit is money your lender puts toward your closing costs so you bring less cash to the closing table. It's typically tied to your loan size, the interest rate you choose, and how the loan is structured. It is not a rebate check — it reduces what you owe at closing.
How do I qualify for the $4,000 lender credit in Colorado?
Your loan amount needs to be $400,000 or above, and you need to qualify for the loan itself through normal credit and income underwriting. That is the short version — answer the five questions above and I will tell you exactly where you stand.
Does a lender credit raise my interest rate?
Sometimes, and that is exactly the conversation worth having. Credits and rates are connected — you can take a slightly different rate and get money back toward costs, or take a lower rate and bring more cash. Neither is automatically better. Nobody writes a check for an interest rate — they write a check for a payment, so I'll show you both side by side and you pick the one that fits your situation.
Can I use a lender credit with down payment assistance?
Often yes, depending on the program. Lender credits go toward closing costs while down payment assistance goes toward your down payment, so they solve two different problems. I carry 30+ DPA programs, and pairing them is one of the more common ways Colorado buyers get in with very little out of pocket.
Who is Ben Yost?
I'm a mortgage broker in the Denver and Aurora metro with 25+ years in Colorado lending, NMLS #243370. Because I'm a broker and not a bank, I shop 160+ wholesale lenders on every loan instead of selling you one company's products.

Rather just talk it through?

You don't need to know it all — that's my job. Call or text me and we'll figure out where you stand in about ten minutes.

Call or text 303-587-4297 Send me a message

Offer details: Lender credits are financial incentives offered by your mortgage provider to offset closing costs. These credits are typically based on loan size, interest rate selection, and overall financing structure. For qualified buyers, this can significantly reduce upfront expenses, creating a more efficient and strategic path to homeownership. The $4,000 lender credit applies to loan amounts of $400,000 and above. Restrictions may apply. Not a commitment to lend or extend credit. All loans subject to credit approval.

This is not a commitment to lend or an offer to extend credit. All loan programs, terms, and down payment assistance availability are subject to credit approval, program guidelines, income and property qualification, and may change without notice. Equal Housing Opportunity.

Edge Home Finance, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD), or any other government agency.

Ben Yost, Mortgage Broker • Edge Home Finance, LLC • NMLS #243370 • Company NMLS #891464

Call or Text Ben — 303-587-4297