Buying Denver Colorado Real Estate

Increase Your Negotiating Power

How Can Pre-Approval Help Me?

Pre-Approval consists of having your loan taken through the application, processing and underwriting stages to obtain your loan approval. This can be done even before you have selected a property. It is a very valuable service because it gives you three important advantages.

1 Security and Peace of Mind

First, Pre-Approval provides you with the security of knowing your loan is in place. All you have to do is find a property which meets the approval specifications. There is no guesswork at all!

2 A Strong Negotiating Tool

More importantly, Pre-Approval also provides you with a very strong negotiating tool. Sellers are more motivated to deal with a buyer who is serious. They know that if the terms of the sale can be agreed upon and if the property appraises and passes your inspection, the transaction will take place. In essence, you become a cash buyer to the selling and listing agents. Again, the guesswork is eliminated and the financing contingency of the contract can even be eliminated if necessary.

3 A Money Saving Tool

The Pre-Approval process takes about an hour, and can save you thousands of dollars by giving you the negotiating power you need. When you leave our office, you will know exactly how much down payment you will need, how much home you can afford, and will have the confidence in knowing that your financing is already in place.

Lori Richardson-Kerbs 7600 East Orchard Road, #140-S Greenwood Village, CO 80111 Phone: (303)694-0809 Fax: (303)694-2137 E-Mail: ljr@ccmc-net.com

Minimum information you’ll need for your loan pre-approval

Most recent 2 years’ W2s

Most recent 3 months’ statements for checking and savings accounts

Most recent 3 months’ or quarterly statements for mutual funds, money market, stock or 401k accounts

Current paystubs covering a 30 day period

Landlord or current mortgage company names and phone numbers

Contact and Thanks to:

Lori Richardson-Kerbs 7600 East Orchard Road, #140-S Greenwood Village, CO 80111 Phone: (303)694-0809 Fax: (303)694-2137 E-Mail: ljr@ccmc-net.com