Get In Touch

I believe in being accessible. Whether you prefer a phone call, email, or face-to-face meeting, I'm here for you.

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Phone (303) 555-1234
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Email scott@smithapprovesme.com
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Location Denver, Colorado
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Availability Mon-Fri 8am-7pm, Sat 9am-3pm

NMLS# 123456
Licensed in Colorado

Send Me a Message

Fill out the form below and I'll get back to you within 24 hours — usually much sooner!

By submitting this form, you agree to be contacted about mortgage services.

Frequently Asked Questions

Quick answers to common questions. Don't see yours? Just ask!

How quickly can I get pre-approved?

Most pre-approvals are completed within 24 hours, often the same day. Have your basic financial info ready and we can move fast.

What documents do I need?

Typically: 2 years of tax returns, recent pay stubs, bank statements, and ID. I'll send you a complete checklist based on your situation.

Will checking rates hurt my credit?

A pre-qualification involves a soft pull (no impact). A full pre-approval requires a hard pull, but multiple inquiries within 45 days count as one.

How much house can I afford?

A general rule: keep your monthly payment under 28% of gross income. But everyone's situation is different — let's run your specific numbers.

Do I need 20% down?

No! Many loans allow 3-5% down, and VA loans offer 0% down for veterans. More down payment = lower monthly payment, but it's not required.

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

Pre-qualification is an estimate. Pre-approval involves document verification and carries much more weight with sellers.