The right purchase loan depends on your savings, credit and goals. We compare options side by side so you can choose with confidence.
A verified pre-approval shows sellers you're ready and helps your offer stand out.
Conventional, FHA, VA, jumbo, Non-QM and assistance programs under one roof.
We explain your rate, payment and closing costs before you commit.
Options from 0% down with VA, 3% with conventional and 3.5% with FHA.
We work with Colorado agents, appraisers and title companies every day.
We stay in close contact with your agent so deadlines are met.
Getting pre-approved is the first step. Most buyers will need:
Proof of Income – Recent pay stubs, W-2s or tax returns.
Asset Statements – Bank and investment statements for your down payment and reserves.
Identification – A photo ID so we can verify your identity and check credit.
Employment History – Typically covering the last two years.
Details on Your Debts – Car loans, student loans, credit cards and other obligations.
Answer a few quick questions about your plans, and a Woodcrest loan officer will reach out with options tailored to this loan program.
Get quick answers to the most common questions homebuyers ask. Our FAQ section is designed to help you understand the mortgage process, explore your options, and feel confident every step of the way.
It depends on the loan: 0% for VA, 3% for some conventional loans and 3.5% for FHA. Assistance programs can help too.
Pre-qualification is an estimate. Pre-approval means we've reviewed your documents and credit, which carries more weight with sellers.
Most purchases close in 30 to 45 days after an accepted offer.
It depends on your income, debts, down payment and rate. Try our mortgage calculator, then talk with us for a personal number.
