Are you looking for a new mortgage? We can help! Give us a call at (303) 228-2254. Ready to get started? Apply Here.
Even if you haven't picked out homes to visit yet, it can be advantageous to see your mortgage pro early. What for? What can we do for you before you have made an offer, and don't yet know the amount you need to borrow?
Our mortgage professionals can help you find out the loan amount you can qualify for and the mortgage payment amount you can afford by getting you pre-qualified. In this process, we look at your capacity to borrow - reviewing your employment, money available for down payment, debts, income, and other areas. It is a short, thorough process with minimal risks for papercuts.
Once you qualify, we give you what's called a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), that documents the fact that we are helping you to find the best mortgage to meet your financial needs and that we are confident you'll qualify for a mortgage for up to a specific amount.
Armed with your pre-qualification letter, several advantages are yours once you locate the house you want to put together an offer on. First, it lets you know the amount that you're able to offer.
Even more important to the present owner, your pre-qualification gives them confidence - as if you'd entered their home with a big box of cash to make the offer! They need not be concerned they are wasting their time if you do not be able to qualify for a big enough mortgage. The seller won't be concerned that he won't be able to count on you to qualify for your loan.Your qualifying for the necessary loan amount won't cause them concern. They have a virtual guarantee to trust your ability to back up your offer.
We help with your pre-qualification
We will help you determine how much of a loan you can qualify for and the mortgage payment amount you are able to afford by helping you pre-qualify. In the process, we determine your capacity to borrow - analyzing your earning status, available money for down payment, debts, income, and other areas. It's short and basic; and we keep the paperwork to a minimum.
One on one
While you are able to benefit from our mortgage calculators on this website, it will be essential to meet with us. For one thing, you'll need a Pre-Qualification Letter! Then, we can make sure we have the ideal mortgage loan program for you. Contact us at (303) 228-2254 to get started.
Have questions about pre-qualifying? Call us at (303) 228-2254. We answer pre-qualification questions every day.