Colorado mortgage questions, answered in plain English.

A bank can only offer its own loan products. As a mortgage broker, DNVR Lending can compare options from a network of national lenders and investors, which gives you more choices on program, terms and pricing for the same application.

It depends on your income, monthly debts, down payment, credit, and the taxes and insurance on the home. A pre-approval gives you a real number based on your documents instead of an online estimate.

Minimums vary by program and lender. Some government-backed programs allow lower scores than conventional loans. I can review your credit and explain which programs fit and what steps could improve your options.

Many purchase loans close in roughly 30 days, though timing depends on the loan type, appraisal, and how quickly documents come in. Getting pre-approved before you shop helps keep things on schedule.

No. Many programs allow smaller down payments. With less than 20% down on a conventional loan you will usually have mortgage insurance, which I can walk you through so you can compare the trade-offs.

Yes. Self-employed borrowers can qualify with tax returns, and some non-QM programs use bank statements instead. The right option depends on how your income is documented.

Yes. I am licensed to lend throughout Colorado, including Colorado Springs, Castle Rock, Boulder, Fort Collins, Pueblo and everywhere in between.

A pre-approval includes a credit check. Multiple mortgage inquiries within a short window are generally treated as a single inquiry for scoring purposes, so you can compare options without a significant impact.