Why Pre-Qualification is Important

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It is helpful to visit with a mortgage loan pro early, even if you haven't decided the kind of home to search for. Why? When you don't yet know how much house you need to qualify for, how could we help?


When we pre-qualify you, we help you find out how much of a monthly mortgage payment you can afford, and the loan amount you will qualify for. The process outlines your current financial situation - your debts, income, career, and down payment money, among other things. It is a short, thorough process with minimal risks for papercuts.

We will award you a Pre-Qualification Letter after you qualify, which states that we're confident you'll qualify for a certain amount of mortgage loan dollars.

Buying Power

With your pre-qualification letter, several advantages fall at your feet once you find the house you want to put together an offer on. First, you have some concrete numbers in mind, as the total you will be able to borrow. Your pre-qualification also will make your offer more attractive to the home seller, like you were bringing them a suitcase of cash! They will not need to worry that that they are wasting their time if you won't be able to be able to qualify for a big enough mortgage loan. The seller of the home won't wonder if he can count on you to qualify for your loan.Your qualifying for the necessary mortgage loan amount won't be something for them to worry about. They have a virtual guarantee that they can trust your ability to back up your offer.

We will help you with your pre-qualification

We will help determine how much of a mortgage you can afford, and the amount of money you will be able to borrow, by walking you through pre-qualifying. We do this by analyzing your income and debts, your work and residence situations, your available funds for down payment, required reserves, and some other things. It is a short, thorough process with minimal risks for papercuts.


While you are able to try our mortgage calculators on our site, it's a good idea to sit down and talk with us. For one thing, you will need a Pre-Qualification Letter! Next, we can consider your mortgage program options and make sure you are in the best one. We are eager to meet with you: contact 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.