Why it's Important to Pre-Qualify

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Even if you haven't researched homes to view yet, it's important to contact your mortgage professional first. What for? Maybe it's difficult to fathom the ways we can help even before you start to calculate your offer.


When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can fit in your budget, and the loan amount you can qualify for. The process leads you through your current financial situation - your debts, income, employment, and cash available for down payment, among other things. We ask for a minimum amount of paperwork, with a quick process.

Once you qualify, will present to you a Pre-Qualification Letter (your real estate agent might call it a "pre-qual"), which says that we are partnering with you to find the ideal loan program to fit your needs and that we are confident you will qualify for a loan up to a specific amount.

Buying Power

When you locate a house that is right for you, and you decide to make an offer, being pre-qualified for a mortgage loan will do a number of things. The first is that you'll be sure what you'll be able to afford when putting together your offer. Of greater importance to the home seller, your pre-qualification is like your having entered their house with a bag full of cash to purchase their home! They will not need to wonder if that they're wasting their time if you can't be able to qualify for a big enough mortgage. The seller of the home won't be concerned that he can't count on you to qualify for your loan.Your qualifying for your needed mortgage loan amount will not cause them concern. You have the capability to back up your offer.

We can help you pre-qualify

When we pre-qualify you, we help you decide how much of a monthly mortgage payment you can fit in your budget, and the loan amount you can qualify for. During the process, we explore your borrowing potential - reviewing your job, available money for down payment, existing debt, income, and other circumstances. It is a quick, thorough process with minimal risks for papercuts.

One on one

While you are able to use our mortgage calculators on our site, it will be a good idea to sit down and talk with one of our mortgage professional team members. We can begin working on your pre-qualification letter. Next, we can review your mortgage program options to make sure you are in the right one. We are eager to hear from you: call us at 720-598-8300.

Have questions about pre-qualifying? Call us at 720-598-8300. We answer pre-qualification questions every day.

Basic Pre-Approval

Get the Best Mortgage Rate! Tell us a little about your current needs and we can use that information to match you with just the right loan.

Tell us about your loan needs.
How can we get in touch with you?
Tell us about your credit history.