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Open-House2-preapprovalforahomeloanGetting Preapproved by Mortgage Loans Colorado

“The key to securing your dream home, with an affordable mortgage plan”

Before venturing into the property market and shopping for the best mortgage, you need to get preapproved. This process requires a careful scanning of your current income level, credit history and any asset-base so as to determine your purchasing power.

A preapproved buyer has a better chance of availing low interest loans to buy a home, as well as indicate to the seller that they’re more than interested in buying the property.

Lendem Financial offers free-of-cost preapproval services. This allows you to improve your bargaining power when buying a new home or searching for a loan and determine your affordability range to help you scout for a new home.

preapprovalforahomeloanWhy Get Preapproved to purchase a Home or Condo for Sale with Todd Rubick and Lendem Financial | Mortgage Loans USA?

Unlike other online marketing companies specializing in Real Estate and Mortgage marketing, I have a Finance Degree and 17 Years of Finance and Lending Experiece. I spent a summer of misery in a HFC Finance Office, finished my Undergraduate classes as I was offering A/R Factoring in California, Mortgage Processing in Washington, Oregon and California. A Loan Officer then Branch Manager offering A+ Loans through Sub Prime, now known as Non QM. I have been a part of a lot of Commercial Lending Projects and a phone and a Scotsman Guide used to be all I needed find the type of loan any of my clients may needed, even Airplane Loans. After the crash of 2008 where I lost my Nationwide Wholesale Account Manager with a Sub Prime Bank as the Crash happened while watching Lehman Brothers close up in the office below, I decided to make a change. I began my Internet Marketing SEO Career with the goal of finishing my first dream which I had in 1999. Portland Home Search, USA Home Search (owned by myself in 1999-2000 and now by another in the Rocky Mountains) all combined with All Source Lending. 21 Years later I learned how to program, design websites, and build them to rank at the top of the organic and map listings across the World. Someday this will make a great book. Until then, it you want to know more about why I am a great choice to help you buy or refi your next property in Colorado, feel free to give me a call. Ask me why finding local realtors and local mortgage lenders are always better than the advertising sites they pay to be on... Organic rankings to help realtors across the states I have built combined with the lending rankings where I personally will answer the calls, return voicemails, write the emails, run the application online systems, shop the loans to lenders and offer at least 3 options to each client who wants to purchase or refinance real estate property in Colorado. Lendem Financial offers tailor-made support for evaluating the creditworthiness of clients sitting at my home office 8000 feet up in the San Juan Mountans. Good Bye Traffic.

Our advanced reporting features help you strike the best deal when you’re applying for a loan by:

  • Determining your income status and affordability range, prior to loan application
  • Helping you search for the loan and residential property well within your range
  • Demonstrating to banks & property sellers that you're able and willing buyer
  • Providing you with an added leverage when buying a home
  • Offering a guarantee to your creditability with a Lendem Financial stamp
  • Making your offer look more appealing and appeasing to sellers and lenders
  • Adding value to your credit report through an independent, third party review

Mortgage CalculatorHow to Get Preapproved?

The process of preapproval is easy. Call us today at ‪(970) 585-4546 and talk to any of our Loan Officers. We listen to you, evaluate your bargaining power and recommend the best course of action.

This includes viewing your track record, payment histories and other important documents.

We understand that each borrower is different and have different income levels, credit histories and purchase budgets.

Accordingly, our loan officers converse with you - keeping in mind your current financial standing and help you search the right amount of loan at the right amount of monthly repayments.

For First-Time Home Buyers

We believe in the ability of each and every buyer, not just affluent ones. Our loan options cover all and provide buyers an opportunity to secure the best money plan, while sitting within their comfort zones.

Three of our most popular loans include:

  • PreQualified-vs-PreApprovedVA Loan: With a guarantee offered by the U.S. Department of Veteran Affairs (VA), this loan is issued to qualified lenders and is a top-notch choice for all active military members and veterans alike. This loan does not require any down payment and PMI. The loan has flexible credit requirements as well.
  • FHA Loan: Insured by the Federal Housing Authority, the FHA Loan offers a government- backed guarantee to the lenders for risk mitigation, in the event the buyer defaults. This is why such loans require a down payment of only 3.5% with extremely low closing costs.

  • 30 Year Fixed Loan: One of the most sought-after loans at Lendem Financial, the 30-year fixed carries an interest rate that remains unchanged throughout the loan term. This allows buyers the flexibility to make repayments without the fear of bearing inflation-adjustments.

Colorado Mortgage Loans Lendem Financial offers lending calculators to help you determine which lending program is best suited for all your needs. To access the program or to learn more, please feel free to contact us today! ‪(970) 585-4546

Getting Preapproved for a Home Mortgage Loan | ‪(970) 585-4546 | Lendem Financial

Questions about Getting Preapproved for a Home Mortgage Loan and your best options, Contact us online or call (970) 585-4546

Questions about Lendem Financial mortgage loan options? Why you should think about using a mortgage broker vs a bank? Using a Mortgage Loan Officer that has access to all sources of lending institutiuons helps people get the best loan for their situation and offers all options on the market vs the programs at one bank. Call Todd Rubick of Lendem Financial and tell him why the bank said no... If your tax returns do not show your true income, or credit is less than perfect... Full service all source lending strategies will be offered for those that need them.