Mortgage Pre-Approval

Shop for your home with confidence.

A pre-approval tells you exactly how much you can borrow, and shows sellers you’re a serious buyer. Apply online in minutes, and I’ll review your file personally and walk you through your options.

Why get pre-approved

The first step to a winning offer

Know your budget

See what you can comfortably afford, including your estimated monthly payment, before you fall in love with a home.

Make stronger offers

Sellers and agents take pre-approved buyers more seriously, which matters in a competitive market.

Fewer surprises

We review your credit, income, and assets up front, so issues are solved early, not at the closing table.

How it works

Three steps to pre-approval

The process is simple, secure, and usually quick once your documents are in.

Complete the application

Apply through my secure online application, or call me and we’ll do it together over the phone.

Detailed review

I review your credit, employment, income, and assets, and let you know if anything else is needed.

Consultation & letter

We talk through your loan options, payment, and cash to close. Then I issue your pre-approval letter.

Know the difference

Pre-qualification vs. pre-approval

Basic

Pre-Qualification

A quick estimate based on information you provide. Helpful for early planning, but it carries less weight with sellers.

Recommended

Pre-Approval

A verified review of your credit, income, and assets. This is the letter you’ll want when you start making offers.

Final step

Conditional Approval

After you’re under contract, underwriting reviews your full file and issues approval with any final conditions.

What to have ready

Pre-approval document checklist

Every situation is different, so I’ll tell you exactly what your file needs. Most buyers can expect to provide the following.

Income & employment

Pay stubs covering the most recent 30 days
W-2s from the last two years
Federal tax returns for the last two years if you’re self-employed or earn commission, bonus, or rental income
Documentation for any other income you’d like to use (Social Security, pension, child support, etc.)

Assets & personal

Two most recent months of statements (all pages) for the accounts your down payment and closing funds are coming from, whether that’s checking, savings, retirement, or investment accounts
Gift letter, if family is helping with your down payment
Government-issued photo ID
VA buyers: Certificate of Eligibility or DD-214

Protect your approval

While you’re house hunting

A few simple habits help keep your pre-approval strong all the way to closing.

Don’t open new credit cards or take out new loans
Keep paying all of your bills on time
Avoid large cash deposits you can’t document
Talk to me before changing jobs or making big purchases

Common questions

Pre-approval FAQ

Does getting pre-approved hurt my credit?

A pre-approval includes a credit check, which may have a small, temporary effect on your score. Credit scoring models generally treat multiple mortgage inquiries within a short shopping window as a single inquiry, so you can compare options without repeated hits.

How long does a pre-approval last?

Pre-approvals are typically valid for 60 to 90 days, depending on how current your documents and credit report are. If your search takes longer, I can update it.

Is a pre-approval a guarantee of a loan?

No. Final approval depends on underwriting, an appraisal of the home, and your financial situation staying the same through closing. A pre-approval is the strongest indication you can have before you’re under contract.

How quickly can I get pre-approved?

Once your application and documents are in, I can often turn around a pre-approval quickly. If you’re on a deadline, call me and we’ll prioritize it.

What credit score do I need?

It depends on the loan program. Some government-backed programs allow lower scores than conventional loans. Let’s look at your full picture together; there are often more options than people expect.

Ready when you are

Get pre-approved today.

Start your secure application online, or call me with questions first.

This is not an offer to enter into any agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations may apply. DNVR Lending, LLC is an independent mortgage broker and is not affiliated with the Department of Housing and Urban Development, the Federal Housing Administration, the Department of Veterans Affairs, or the USDA. Not intended as legal or financial advice.