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Pre-approval Process

Getting Pre-Approved

Getting pre-approved means that a lender had reviewed your income, expenses, and credit report and had conditionally agreed to loan you a set amount of money for a mortgage. This enables you to look for a home at or below that price level with confidence. 

Here is a list of our preferred lenders, but please know, we are happy to work with anyone you prefer to work with! We suggest reaching out to a few lenders to ensure the best rate and terms. They will be running your credit, which, at first, each credit pull will hit individually, but after 30-45 days they will all consolidate as one occurrence. Once you decide whom you are going to use, please let us know so we can get everything started with them!

Kelli Broadbent | SWBC Mortgage Corporation

303.405.8359 | [email protected]

 

Hunter Combs | Fairway Mortgage

720.436.3224 | [email protected]

 

Lonnie Jenkins | Cornerstone Home Lending, Inc.

303.523.1915 | [email protected]

 

Matt Neam | On Q Financial

303.717.8347 | [email protected]

Identification Documents

  • Legible photo I.D. and social security card

Residence

  • Addresses for the previous 2 years (if renting, include landlord’s name and phone number)

Employment

  • Name, address, phone number of employers (current and previous 2 years)
  • Engagement letter (for new employment situations, citing dates and terms of your employment)

Income

  • 2 of most recent pay stubs and proof of any additional income including benefits, dividends, social security, retirement, rental income, etc.
  • Last 2 years W-2s and/or 1099s
  • If self-employed or commissioned, business/personal Income Tax Returns for the previous 2 years (with all schedules K-1s) and year-to-date Profit/Loss and Balance Sheet Statements

Checking, Savings & Investment Accounts

  • Names, addresses, account numbers, and approximate account balances
  • Last 3 month’s bank/savings account statements
  • Checking, Savings, Investment Accounts and Retirement Accounts

Legal Documents (If Applicable)

  • Leases on rental property owned
  • Settlement statements (previously owned property, sale of a business, etc.)
  • Copy of divorce decree or Separation Agreement
  • Bankruptcy with release
  • Documentation of child support/alimony
  • Transcripts from school if recent graduate

Existing Mortgage (All Properties Owned)

  • Mortgage companies name, address, account number, and approx. balance; the market value
  • HOA Bill on any properties
  • Homeowners Insurance declarations page (reflects agent contact info, premium, and coverage period.

VA Loan Eligibility

  • Certificate of eligibility if applying for VA loan; copy of DD 214
  • At the time of loan application, you will generally need to pay an application fee, appraisal fee, and credit report.

Contact Details

The Centron Group

Phone

303.906.5793

Email

[email protected]

Address

8000 East Belleview Ave Unit 200 Greenwood Village, CO 80111 100 St. Paul Street Suite 200 Denver, CO 80220

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