Mortgage Pre Approval Made Easy

We provide a wide range of professional services to meet your needs. We promise to provide every service with a smile, and to your highest level of satisfaction.

A group of people are sitting at a table looking at charts and graphs.

Mortgage Pre-Approval Process

Big Seth believes the mortgage pre-approval process should be smoother than a double latte on a Monday morning! Think of it as your golden ticket to homeownership bliss in Northern Colorado. By getting pre-approved, you’ll know your budget and show sellers you mean business—like a cat in a cashmere sweater! So, let’s turn that home dream into reality faster than you can say "yes, please!" and make finding your perfect nest a fun adventure.

A person is laying on the floor surrounded by cardboard boxes.

Why Pre-Approval Matters & How to get Started

Getting pre-approved for a mortgage is like showing up to a party with a plus-one: it gives you instant cred! At Big Seth, we believe pre-approval matters because it tells sellers you're not just browsing—you’re serious about snagging that dream home in Northern Colorado! Plus, it helps you know your budget, saving you from heartache when you fall for that charming fixer-upper that’s out of your price range. So, let’s make your homebuying journey a comedy of errors, not a drama of heartbreak!

A man and a woman are giving each other a high five while standing next to boxes.

Mortgage Pre-Approval Requirements

At Big Seth, we pride ourselves on making pre-approval requirements feel as easy as taking a leisurely stroll through a picturesque park—though we like to imagine this park has an inviting coffee stand waiting to serve you your favorite brew! To kick things off, you’ll need to provide proof of a steady income along with your credit score. Next, don’t forget to bring along those essential financial statements to showcase your fiscal responsibility. And just for a laugh, you might want to consider sharing a secret family recipe—totally kidding on that one! But in all seriousness, this process is really about demonstrating to lenders that you are a responsible adult capable of managing the financial commitment that comes with a mortgage—not throwing a surprise party! So, let’s roll up our sleeves and dive into your exciting home-buying adventure together, shall we?

Big Sale? Big Purchase? / Call/ Text your Neighbor BIG SETH

Financing Tips for Buying a Home

A person is putting a coin into a blue piggy bank.

Saving for a Down Payment

Saving for a down payment is a crucial step in buying your first home, and it doesn’t have to be overwhelming. Start planning early and use smart strategies to reach your goal faster.


  • Set a realistic savings target based on home price
  • Explore down payment assistance programs
  • Automate savings to stay on track



Start saving today to make your dream home a reality!

A large staircase leading up to the second floor of a house.

How to Reduce Closing Costs

Closing costs can add up quickly, but there are ways to keep them manageable.


  • Shop around for the best mortgage rates and fees
  • Negotiate with the seller to cover some closing costs
  • Ask your lender for a "no-closing-cost" mortgage
  • Consider a higher down payment to reduce other fees



Take these steps to keep your closing costs as low as possible!

A white and brown dog is laying on a rug in a living room.

Avoiding Hidden Costs when Buying a Home

Hidden costs can catch you off guard, but with the right preparation, you can avoid them.

  • Get a thorough home inspection to uncover potential repairs
  • Research property taxes and homeowners insurance
  • Factor in utilities, HOA fees, and maintenance costs
  • Be aware of closing costs and lender fees

Plan ahead to avoid surprises and ensure a smooth home-buying experience!

The logo for trumark homes is on a white background.
The logo for richmond american homes is red and white
A blue and black logo for meritage homes

Interested in our services? We’re here to help!

We want to know your needs exactly so that we can provide the perfect solution. Let us know what you want and we’ll do our best to help.

Pre-Approval & Financing FAQ

Get the answers you need about pre-approval and financing options for your new home in Northern Colorado.

  • What is pre-approval?

    Pre-approval is a process where a lender evaluates your financial situation and determines how much they are willing to lend you. This gives you a clear idea of your budget when house hunting.

  • Why is pre-approval important?

    Having a pre-approval letter shows sellers that you are a serious buyer, which can give you an edge in competitive markets. It also helps streamline the buying process.

  • What documents do I need for pre-approval?

    Typically, you will need to provide proof of income, tax returns, bank statements, and information about your debts and assets. Your lender will guide you through the specifics.

  • How long does the pre-approval process take?

    The pre-approval process can take anywhere from a few hours to a few days, depending on the lender and the completeness of your documentation.

  • What financing options are available?

    There are various financing options, including conventional loans, FHA loans, VA loans, and USDA loans. Each has its own requirements and benefits, so it's essential to explore which is best for you.
Still Have Questions?

We have the answers you are looking for. Give us a call and let's figure this out together.