Mortgage Loans: Pre-Qualifying vs Pre-Approval when shopping for a home. Preferred Local Mortgage Lender Partners for Anthony Rael, REMAX Denver Colorado Realtor

Get Pre-Approved for a Home Loan Today!
Preferred Local Home Mortgage Lenders

Stephany Overmyer
Home Mortgage Advisors
(c:) (419) 376-0318
(e:) stephany.overmyer@hmaloans.com
(w:) stephany.overmyer

6465 Greenwood Plaza Blvd, #280
Greenwood Village, Colorado 80111

NMLS #575776

Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Denver, Colorado. I'm here to give you just that. Whether you're a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I'll give you a transparent process with clear communication and expert advice every step of the way. Together, we'll bring your homeownership dreams to life.
Ask about my Refinancing Handbook, Homebuyers Handbook and Loan Products including HomeFundIt, All-in-One-One, 203k Renovation Loan & Homeready Loan. Contact Stephany Overmyer at (419) 376-0318 to get pre-approved for a loan. There is absolutely no charge or obligation and is a vital first step in preparing to purchase a property.

Tenby J. Dahman
The Dahman Team at
Peak 10 Mortgage LLC
(c:) (303) 478-9126
(e:) tenby@coloradomortgageplanner.com
(w:) coloradomortgageplanner.com

NMLS# 262046

Tenby has serving the Colorado market since 1999, helping thousands of families as a top producer and have been honored to receive Denver’s 5280 Magazine Five Star Professionals Award given to those in the top 7% in the state for client satisfaction and customer service. Having grown up in Lakewood, Colorado I take great pride in this distinction. Growing up an athlete and eventually competing as an NCAA Division 1 gymnast at the University of Oklahoma, then going on to earn my MBA from the University of Colorado Denver, I‘ve always desired to do the best I could in any endeavor. This has carried over into my mortgage career in that I see every referral as opportunity to provide the very best. Up front, my team pre-underwrites every file in a way that ensures a solid qualification, providing loan comparisons with specific payment and fee estimates to each client’s needs. With a clear picture from the start, my clients can walk in confidently when writing an offer on a purchase or in doing a refinance. I am with my clients from start to finish, communicating extensively along the way. Further, because the industry and economic environment are constantly changing, I go beyond the basics and see myself as an educator and expert to also help them preserve and create wealth with the use of their mortgage for things such as retirement and college planning, while maximizing cash flow and minimizing tax obligations. I use my expertise to compare all options, including Conventional, FHA, VA, Jumbo, Portfolio, and Down Payment Assistance.

How Can I get "Pre-Qualified" or "Pre-Approved" for a Home Loan?
Getting pre-approved for a home loan is an essential part of the home buying process. It helps prevent you from looking at and falling in love with properties that you simply can't afford. In a very competitive market like ours where properties go under contract in a matter of days, you risk not being able to write an offer on a property because no listing agent or seller will take you seriously. Don't get left out...simply reach out to either one of my exceptional local mortgage lenders to start the process today!

What's the difference between pre-qualifying and pre-approval?
Pre-qualification means that the mortgage lender has reviewed the financial information you have provided and believes you will qualify for a loan. Pre-approval is the second step in the loan process, which is a conditional commitment to loan you the money for a mortgage.

Why is a pre-approval letter better than a pre-qualification letter?
As stated above, a pre-qualification letter means that the mortgage lender believes you will qualify for a loan based on the preliminary information you have provided them on the application whereas a pre-approval is a conditional commitment to loan you the money for a mortgage. Therefore, if you want to be taken seriously as a buyer, the pre-approval will carry the most weight.

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