Underwritten pre-approval in 24 hours.
The strongest offer in Colorado's competitive markets — Denver, Boulder, Telluride, Aspen, Vail, Fort Collins.
Underwriter-reviewed in one business day.
Fully-underwritten — not just a quick desktop check.
Pre-approval letter for you and your Realtor.
Denver to Durango, Boulder to Telluride.
What you'll need
- Government-issued photo ID
- Most recent 2 pay stubs (last 30 days)
- W-2s for the past 2 years
- Federal tax returns (if self-employed)
- 2 months of bank/asset statements
- Contact info for your Realtor (optional)
Pre-approval for every Colorado loan type
Pre-approval FAQs
How long does mortgage pre-approval take in Colorado?+
Once we have your full documentation (pay stubs, W-2s/tax returns, bank statements, ID), we issue a fully underwritten pre-approval within 24 business hours. A basic pre-qualification can be done same-day.
Does pre-approval hurt my credit score?+
A mortgage credit pull is a hard inquiry that typically drops your score 2–5 points temporarily. All mortgage inquiries within a 45-day window count as one inquiry under FICO scoring, so shopping lenders won't multiply the impact.
How long is a pre-approval letter good for in Colorado?+
Most Colorado pre-approval letters are valid for 90 days. After that, we refresh your credit and income docs and reissue. Rates can move during that window — your letter shows a max amount, not a locked rate.
What's the difference between pre-qualification and pre-approval?+
Pre-qualification is a quick estimate based on what you tell us — no docs verified. Pre-approval is underwritten with verified income, credit, and assets. Colorado Realtors and sellers strongly prefer underwritten pre-approvals, especially in competitive markets like Denver, Boulder, and the mountain resort towns.
Can I get pre-approved if I'm self-employed in Colorado?+
Yes. We work with self-employed Colorado borrowers daily — using full-doc (2 years tax returns), bank-statement loans (12 or 24 months business statements), P&L-only loans, and DSCR for investors. Pre-approval timelines are the same.
What if I'm pre-approved but find a more expensive home?+
Call us — we can quickly recalculate your max budget and reissue a higher letter the same day if your income and assets support it.
Need to talk before applying?
Schedule a 15-minute call with a licensed Colorado loan officer.