Start smart. Borrow confident.
Everything you need to understand the loan process before you sign anything, plus tools built for Colorado homebuyers at every stage.
The loan process, step by step.
No surprises. Here's exactly what happens between your first conversation and the day you get keys.
1. Get pre-approved.
A quick, education-first conversation with Lisa. Soft credit inquiries available, so asking questions won't affect your score.
2. Shop with confidence.
With a clear pre-approval letter in hand, you know exactly what you can afford before you fall in love with a home.
3. Under contract.
Your offer is accepted. Lisa collects the documents needed to move your file into underwriting right away.
4. Underwriting at our office.
In-house underwriting means faster answers and fewer surprises. One person owns your file from start to finish.
5. Clear to close.
Final numbers are confirmed, documents are signed, and the keys become yours.
Clear to close day
Run your numbers.
Slide the numbers below to see an estimated monthly payment before you ever fill out a form.
This is an educational estimate only. It excludes property taxes, homeowners insurance, and HOA dues, and it is not a loan offer or quote. Rates shown are illustrative; your actual rate depends on your credit profile and loan program.
Get Pre-ApprovedBuying your first home?
Lisa is a first-time homebuyer specialist who became a first-time homeowner herself at 26. Every conversation starts with education, not pressure, so you understand every number before you sign anything.
Veterans, first responders, teachers, and healthcare professionals may qualify for additional down payment assistance and savings through the Colorado Heroes Homeownership Center.
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Start your pre-approval in minutes. No obligation.
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Link coming with client portal detailsCommon questions.
What credit score is needed?
It varies by program; VA and FHA loans are more flexible than many buyers expect. Banner Mortgage offers soft credit inquiries, so you can find out where you stand without affecting your score.
What documents are required for pre-approval?
Typically a photo ID, two years of W-2s or tax returns, recent pay stubs, and bank statements. Nothing is required for the first conversation; Lisa will give you a simple checklist tailored to your loan program.
What down payment assistance programs are available?
Colorado buyers have options including CHFA programs, for which Banner Mortgage is an approved lender, plus program-specific assistance depending on your situation. An education-first conversation with Lisa maps out which ones fit you.