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

Tiffany Swisher
Union Home Mortgage
(c:) 303.884.4137
(e:) tswisher@uhm.com
(w:) uhm.com/tswisher

NMLS #406333

I strive to deliver genuine personalized service to every person I am in contact with – from the beginning of the mortgage process to the end. For me, it’s about far more than just helping people obtain home financing. Over the last 20 year of originating mortgages, I have helped hundreds of families and individuals purchase and refinance their homes. I pride myself on knowing guidelines and setting expectations upfront. Mortgage guidelines constantly change and knowing them is the best thing I can do for my customers. If I had a niche it would be VA loans. Being a part of the military community previously makes helping our military men and women obtain homeownership a priority and passion of mine. I also have extensive experience working with First Time Home Buyers and Down Payment Assistance. My mission is to create lifelong relationships built on trust, confidence and transparency and if we have a little fun during the process that is even better!

I am not quite a Colorado native, but close. I grew up in Boulder, graduated from Boulder High School and completed my bachelor’s degree at Colorado State University. Go Rams! In my spare time I can be found chasing my toddler around the park and sampling new restaurants.

Deana Hollstein
Home Mortgage Advisors
(c:) (303) 300-8910
(e:) deana@hmaloans.com
(w:) deana-hollstein

NMLS# 657636

Deana Hollstein is a seasoned professional in the world of real estate and mortgage. Born and raised just outside of Chicago, Deana's professional journey began in 1999 as an assistant to a branch manager in Illinois. In 2002, she transitioned into a loan officer role due to her exceptional client care and her ultimate move to Denver, Colorado. Finding her passion, working with home buyers, Deana has never looked back and has been with the same company for over 20 years.

Deana specializes in assisting first-time homebuyers and offers hands-on support throughout the process, even becoming clients' lifelong lender. Deana's unique commitment to clients sets her apart. She dedicates ample time to guide borrowers through the process, focusing on the All In One mortgage program she believes changes lives. Alongside her loan officer success, she trains colleagues and extends her professional reach across multiple states: Colorado, California, Wyoming, Oregon, Washington, and Minnesota. She is actively involved in raising funds for Children's Hospital alongside the real estate agents she serves. Deana's journey from an assistant to a respected loan officer in various states showcases her dedication, expertise, and genuine client care, epitomizing her passion for realizing homeownership dreams.

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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