Core Value Lending

✅ Referral came in at 9am from a past client
✅ All docs in hand to include contract
✅ Application complete
✅ Title ordered
✅ Appraisal Waiver 🔥💯
✅ Disclosures signed
✅ Loan locked well below the competing lender with a saving of more that $3,000 Cash To Close
✅ Closing in 2 Weeks

We move fast over here. Who needs help getting top level customer service, a killer rate, and speedy closing 💨

720-695-8196

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Prequalified And Pre-approved: What's the Difference?

If you're thinking about buying a home, then you've probably heard the terms "pre-approval" and "prequalification." While often used interchangeably, there's a slight difference between the two.

Both terms refer to the initial steps taken to determine whether you're a strong applicant for a home loan and how much. But there's a difference between prequalified and pre-approval.

✅ Prequalified essentially is an estimate of how much your mortgage can be (the same as a pre-approval), but it's nothing more than that --an estimate. It's the easiest first step to take in your home buying journey. The mortgage professional will review your financial history (like your income and debt) and sometimes they may check your credit score, too.

It's important to note that prequalification doesn't guarantee mortgage approval. It's only an estimate. If you want something more definitive, get pre-approved.

✅ Pre-approval is more involved because the mortgage professional will evaluate your credit score and do a complete verification of income and assets. Here's some of the documentation needed for pre-approval include:

Tax returns
W-2s or 1099s
Recent pay stubs
Recent bank statements from the accounts
Your credit score

💪 As you can see, pre-approval gives you a much stronger idea of what you can afford.

Does Getting Prequalified And Pre-approved Even Matter?

Getting prequalified is excellent if you only want an estimate of how much you can afford. It's a great way to start planning and preparing to buy a home.

However, pre-approval carries a lot more weight. With pre-approval, you'll have a clearer idea of how much you can borrow, what your interest rate might be, and you'll be taken more seriously as a potential buyer when you begin your home search.

Pre-approval also gives you insight into your credit and whether you have some work to do on that end before you apply for a home loan.

💥💥 The Bottom Line: Prequalified Versus Pre-approved 💥💥

Remember that neither prequalification nor pre-approval guarantees home loan approval, but it does matter!

Ready to get pre-approved? Start your application online today! By running a full credit check and reviewing your finances, you'll be much more prepared for getting a mortgage.

https://portal.mortgagecircles.com/1003N/jjZ

It’s official Core Value Lending is licensed to do mortgage loans in CA.

How to win a bidding war in a Sellers Market.

Secrets to Winning A Bidding War In Real Estate Low supply happens when there's an abundance of buyers but not enough houses for all of them. Many call it a

Two more Cleared To Close in record time. In this market, being able to close faster than the next guy can give you an edge when putting in offers. Not to mention, both deals have interest rates in the mid 2.0%.

If you want speed along with top-notch customer service, give me a call.

720-695-8196

NMLS # 1829119

After a long day of phone calls with a new underwriter we made it to the finish line. CTC on our first PRIME JUMBO with United Wholesale Mortgage - and in less than 3 weeks. Closing on Monday!

Just want to thank the Rockstars on this deal. Judit Cserto is a beast when it comes to processing. She is always on top of every loan and makes my life super easy.

And Kerron Stokes....always finds a way to challenge me on every deal we do together and pushes me to be a better LO. Superstar agent - if your buying or selling, no need to go anywhere else.

I take pride in serving our Heroes!

If your a veteran, active duty, rapid responder, healthcare provider, teacher, or coach....let's talk!

720-695-8196

Hey Realtors, do you want to get an extra listing from each listing you represent?

I’m hosting a free live training this Thursday, March 11th about this.

We call it the 72-Hour Listing process and it’s designed to create a bunch of home buyer leads and a few seller leads in the first 3 days you market a listing.

You have to list to last as they say and I want you to be around a long time.

Join us live on Thursday and you’ll discover the 3-day process that will blow you up with opportunities every time you get a listing.

Let’s do this and scoop up more of the Summer business that’s coming.

Drop your favorite GIF and I’ll send you a link. :)

Another rapid closing in the books!

Facts!

Think it's a bubble? 🏘️

Cash-out refinance volume over the last three years is less than a third of what it was compared to the three years before the most recent real estate crash. More than 38% of homeowners have paid off their mortgage “free and clear,” and another 18.7% have paid off over 50% of their mortgage.

This positive equity perspective puts the current housing market in a much stronger place, minimizing risk of foreclosure and stabilizing home values across the U.S.

🛑 Want to win $3000 in gifts and prizes?!

Our free 7-day video challenge for Realtors kicks off today at 11am inside my private Realtor group.

We’ll see you there. Let me know in the comments if you need the link and I’ll get you hooked up.

Understanding the loan process and the different pieces and phases is critical to making an informed decision. Right Choice Realty, LLC is go-to for experienced and knowledgeable agents with your best interest at heart!

Hard work pays off. Congratulations Dallas!!

2020 was an interesting year for sure. But even with the shut down I was able to be recognized by Exit Realty for my sales activity. Here’s to making 2021 an amazing year of home sales. If you are looking to buy or sell you home 🏠 let me know.🤙🏽🤙🏽🤙🏽

Check out the inside of this home 🏡

4001 W Walsh Pl | EB - Keller Williams Click to learn more about this move in ready home in the Westwood neighborhood in Denver.

February 10th is National Home Warranty Day. How are you looking after your investments?

Police, Firemen, Healthcare Workers, Teachers, & Military...

At Core Value Lending, we value what you do for our country and our community!

Is downsizing right for you?

Downsizing Your Home: What You Need to Consider | Homes for Heroes Learn all the things you need to consider when downsizing your home and some tips on how to make the transition as painless as possible.

If you are a rapid responder, healthcare worker, teacher, or military we can provide additional savings on your next purchase or refinance. Check us out and find out.

Tips for Buying or Selling a Home in the Winter | Save Money - HFH Buying or selling a home in the winter presents pros and cons. Competition is lighter, inventory is lower and the season itself can present challenges.

When lender credit covers closing costs, why wouldn't you take advantage of the savings? Your just leaving money on the table every month if you don't!

VA or Conventional - I can save you money on your refinance!

Just locked another one! VA Cash Out Refinance at 90% LTV, 2.25% with lender credit to cover closing costs. Daaaaammn! Imagine what I am doing with a traditional VA IRRRL.

If you want to find out, call me at 720-695-8196 and lets see how much you can save on a refinance.

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Don't miss out on these low rates! Call 720-695-8196

CTC this morning! Always nice to wake up to these emails.
A return client that refinanced last year before COVID and reached out at the beginning of the year. CTC in 2 weeks and will be saving an addition $2400 a year on top of the $2,400 he saved during the last refinance. Did I mention all his closing costs were covered as well!
I will continue to say it....if you don't take advantage of these low interest rates NOW....your going to be kicking yourself in the butt when the pandemic is over and your sitting there with a mortgage at 3.5%.

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💡 Knowledge is POWER!

What Every Homebuyer Needs to Know About Home Sale Contingencies A contingent offer is an offer that has been accepted with the final sale depending on meeting specific criteria. What sort of criteria? That's what this article will explain.

2021 is starting off BIG! All realtors looking to grow their business in 2021, comment below with "INVITE ME".

Core Value Lending Welcome to the official site of Core Value Lending serving the state of Colorado. I am a full-service mortgage loan officer based in Denver, CO. I specialize in FHA/VA Loans, VA IRRRL, Conventional Mortgages, Refinances, and Reverse Mortgages (HECM). Whether you are buying a home or refinancing, I c...

Take charge of your situation 💰

The Facts About FHA Credit Requirements and FICO Scores One in a series of changes implemented by the FHA in recent times is the new standards required for FHA loans regarding FICO score requirements and down payments. A 580 FICO score will now be the minimum borrower requirement.

🏡 Your credit score is one of the most powerful tools you have for getting approved for a home loan.

What are you doing to keep your score up? 🔝

Your Guide to Managing Your Credit Score Here is everything you need to become an expert at managing your credit.

🏡 What if you could find a lender with competitively low rates to cover your origination fees? Give me a call and let’s find out. 720-695-8196

What Are Origination Fees and Can They Be Avoided? An origination fee is part of the multi-step process of getting a loan and includes the cost of processing the application, underwriting, and financing the loan. The lender may combine the fees into one charge or may list each one individually.

I couldn’t do any of this without the support from you Kellie Moses

Core Value Lending Welcome to the official site of Core Value Lending serving the state of Colorado. I am a full-service mortgage loan officer based in Denver, CO. I specialize in FHA/VA Loans, VA IRRRL, Conventional Mortgages, Refinances, and Reverse Mortgages (HECM). Whether you are buying a home or refinancing, I c...