Get Pre-Approved Today

Know your real buying power before you shop. Not just the maximum you qualify for, but the number that fits your actual budget. Recognized and trusted by listing agents and sellers.

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40+

Lending partners
we compare for you

Budget-
First

We start from your
payment goals

21 days

Average close
time

Why It Matters

A Pre-Approval Is Your Competitive Edge

In today's competitive market, sellers take pre-approved buyers seriously. A Invest West Mortgage pre-approval letter tells listing agents you're ready, qualified, and backed by a team that closes on time.

Unlike pre-qualifications based on unverified estimates, our pre-approvals are based on reviewed income, assets, and credit, giving you and your agent a stronger negotiating position from day one.

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Simple Online ApplicationComplete the secure 5-minute application and we'll review your full picture before recommending the right loan program.

We Move FastFrom application to letter, we work at the pace the market demands. No queues, no hand-offs, no waiting on departments.

Hybrid PricingThrough our hybrid platform, we shop 40+ lending partners to find you the best rate, not just what one lender offers.

Direct Line to Our TeamYou get my cell. No call centers, no handoffs. Answers when you need them.

What to Gather

Documents You May Need

Don't worry if you don't have everything right away. We'll guide you through what's needed based on your specific situation.

Income Verification

Last 2 years of W-2s
Most recent pay stubs (30 days)
Last 2 years of federal tax returns
If self-employed: business returns + YTD P&L

Asset Documentation

Last 2 months of bank statements
Retirement/investment account statements
Gift letter (if using gift funds)
Proceeds from home sale (if applicable)

Identity & History

Government-issued photo ID
Social Security number
2-year residential history
2-year employment history

VA borrowers also need: Certificate of Eligibility (COE) or DD-214. Learn more about VA loans →

The Process

How Pre-Approval Works

Submit Online

Complete the 5-minute secure application. We use bank-level 256-bit encryption to protect your data.

Document Review

Upload your documents securely. Your file is personally reviewed with no processors or middlemen.

Rate Shopping

We compare 40+ lending partners to find your best rate and loan program match.

Letter Issued

You receive a pre-approval letter you can share with your agent and present with offers.

Ready to Find Out What You Qualify For?

No cost. No commitment. We compare 40+ lending partners through our hybrid platform to find the right program for your situation.

Start My Free Application → Call (720) 507-7795

Why Invest West

What Makes Our Pre-Approval Different

Hybrid Platform Advantage

We are not captive to one bank's rates. We shop 40+ lending partners to find the program and rate that is truly best for your situation.

We Move Fast

We work at the pace the market demands. From the moment your application is submitted, we prioritize getting your letter out quickly so you can compete. No queues, no hand-offs to processors, no waiting on departments.

Local Market Expertise

I know the nuances of different markets, property types, and local conditions, putting that knowledge to work finding you the right loan for where you're buying.

Common Questions

Pre-Approval FAQ

What happens to my credit during the pre-approval process?

A credit review is a standard part of the pre-approval process. We'll walk you through exactly what happens with your credit during our initial consultation so you know what to expect before anything is submitted.

How long is a pre-approval letter valid?

Pre-approval letters are typically valid for 90 days. If your letter expires before you find a home, we can refresh it quickly, usually in 24 hours or less if your financial situation hasn't changed significantly.

Can I get pre-approved if I'm self-employed?

Absolutely. Self-employed borrowers are a specialty. We'll use your last 2 years of tax returns and business documentation to establish qualifying income. In some cases, bank statement programs are available that use 12-24 months of deposits instead of tax returns.

What's the difference between pre-qualification and pre-approval?

A pre-qualification is an estimate based on self-reported information and no document review. A pre-approval involves actual document verification of income, assets, and credit. Sellers and agents know the difference. Our pre-approvals carry real weight in competitive offer situations.

Can I get pre-approved for multiple loan types?

Yes. We'll review your situation and show you what you qualify for across Conventional, FHA, VA, USDA, and Jumbo loan programs, with a clear comparison of the pros, cons, and costs of each option so you can make an informed decision.