Get Pre-Qualified for Your Next Home

Two minutes. No pressure. I will connect you with a trusted local lender and you will get a clear plan and a pre qualification letter if you want it.

Once you click “Get My Home Value,” I’ll review your property details and reach back out to you soon. There’s no obligation — just useful insight to help you plan your next step with clarity and confidence.

Pre-Qualification & Lending FAQ

  1. What does it mean to get pre-qualified for a mortgage?
    Getting pre-qualified means one of our trusted local lending partners reviews your financial details — such as income, credit score, and debt — to estimate how much you can borrow. It’s a simple, no-obligation step that helps you understand your buying power before you start shopping for homes in Boulder and surrounding areas.

  2. Why should I get pre-qualified before house hunting?
    Pre-qualification gives you a clear price range, strengthens your offer, and helps you move faster when you find the right home. Sellers take pre-qualified buyers more seriously, and it prevents surprises later in the loan process.

  3. How is pre-qualification different from pre-approval?
    Pre-qualification is an early estimate based on information you share with our lending partners. Pre-approval goes one step further — your lender verifies your financial documents (like W-2s, pay stubs, and credit reports) and provides a conditional loan approval. Both are helpful, but pre-approval gives you a competitive edge in Boulder’s fast-moving market.

  4. How long does mortgage pre-qualification take?
    Our local lenders can typically complete pre-qualification within one business day — often the same day you submit your information.

  5. Does getting pre-qualified affect my credit score?
    No — the trusted local lenders we partner with do not affect your credit score during pre-qualification. They use a soft credit review that helps estimate your loan options without creating a hard inquiry. Your score is only impacted if you choose to move forward with a full mortgage application.

  6. What documents do I need for pre-qualification?
    You’ll usually need your most recent pay stubs, W-2s, and information about debts and assets. Self-employed buyers may need tax returns. Our lending partners will guide you step-by-step on what’s needed for your situation.

  7. Can you connect me with a lender you trust?
    Yes — my team at Homes by Nina works closely with several highly respected Boulder-area lenders who are responsive, transparent, and experienced in a variety of loan programs. We’ll help match you with the right lender for your goals and timeline.