Pre-Approval · Colorado
Get pre-approved with confidence.
A strong pre-approval tells sellers and their agents that your financing will hold up. I review your income, assets, and credit up front, so the number you shop with is one we can stand behind.
Start Your Pre-ApprovalNot All Letters Are Equal
Pre-qualification vs. pre-approval
Many buyers are walking around with a letter nobody has really verified. Here is the difference, and why it matters when you write an offer.
01
Pre-Qualification
A conversation and usually a credit check. Your income and assets have not been reviewed yet, so it is an estimate, not a commitment.
02
Pre-Approval
Your documents are collected and reviewed by your loan officer. Much stronger than a pre-qualification, but an underwriter has not seen the file yet.
03
Underwritten Pre-Approval
Your file goes to an underwriter before you have an address. Income, assets, and credit are reviewed in advance, so what remains is mainly the property. When you are competing with cash or near-cash offers, this is how you close the gap.
Be Ready
What you will typically need
Every file is a little different, but these are the documents most buyers gather. If you are self-employed or have non-traditional income, I will tell you exactly what applies to you.
Income
- Recent pay stubs covering about 30 days
- W-2s from the last two years
- Tax returns, if you are self-employed, earn commission, or own rental property
- Award letters for Social Security, pension, or disability income
Assets and Identity
- Two months of bank and investment statements
- Retirement account statements, if using them for reserves
- A valid photo ID
- Details on any gift funds or down payment assistance
How It Works
Four steps to a pre-approval you can trust
01
Apply Online
Apply online in minutes through my secure application. You can save and come back to it anytime.
02
Review Together
We talk through your goals, budget, and comfortable monthly payment, not just the maximum you qualify for.
03
Verify the Details
I review your documents and flag anything that could cause trouble later, before it becomes a deadline.
04
Shop With Confidence
You get your pre-approval letter, and I stay on call to update it for each offer and answer questions from your agent.
Common Questions
Pre-approval FAQ
Will it hurt my credit?
A pre-approval includes a credit check. Credit scoring models generally treat multiple mortgage inquiries within a short shopping window as a single inquiry, so comparing lenders usually has a limited effect.
How long is a pre-approval good for?
Usually about 60 to 90 days, depending on the lender. If your search takes longer, we simply refresh your documents.
Should I get pre-approved before I find a home?
Yes. Knowing your budget first saves time, and many listing agents expect to see a pre-approval with every offer.
What if I am self-employed?
You have options, including bank statement and other alternative documentation programs. I can review your income before you formally apply.
A pre-approval is not a commitment to lend. Final loan approval is subject to underwriting, appraisal, and property review. Not all borrowers will qualify. Programs and guidelines are subject to change.
CLIENT REVIEWS
What clients are saying
Real reviews from real clients, posted on Google.
Could not have asked for a better mortgage officer. Excellent communication throughout the process. Just really impressed overall. Thanks Jason- cheers!
I had a fantastic experience working with Jason and his team on my home loan. From the very beginning, they were responsive, knowledgeable, and incredibly efficient throughout the entire process. Jason took the time to walk me through different options, answer all my questions, and help make everything feel much less stressful. What stood out most was how quickly the team moved while still keeping me informed every step of the way. Their rates were also very competitive, which made a huge difference. I truly appreciated the professionalism and support from Jason and his team and would highly recommend them to anyone looking for a lender.
READY WHEN YOU ARE
Let us find the right loan for you.
Apply online in minutes, or give me a call to talk through your options.
JASON VALANT · NMLS #2780983 · DNVR LENDING, LLC · NMLS #2403751
Jason Valant | Mortgage Loan Officer | NMLS #2780983
DNVR Lending, LLC | Company NMLS #2403751 | 2128 W 32nd Ave, Suite 200, Denver, CO 80211 | 719-210-1121 | [email protected] | NMLS Consumer Access | Equal Housing Opportunity
This is not an offer to enter into any agreement. Not all customers will qualify. Information and programs are subject to change without notice. All products are subject to credit and property approval. DNVR Lending, LLC is an independent mortgage broker and is not affiliated with HUD, FHA, the VA, or the USDA. Not intended as legal or financial advice.
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