Don't fall in love with a home only to find its more than you can afford! To avoid disappointment, let a mortgage professional pre-qualify you for a mortgage.

There are several fast, free, easy ways to pre-qualify for a mortgage. You can pre-qualify on-line, via our automated system at 1-888-2GILPIN or by contacting a Gilpin Loan Officer. You'll need to know your annual household income, monthly debts and how much cash you have available. In minutes you'll get a "ball park" idea of what you can afford.

Whether you pre-qualify on-line, via phone or with a Loan Officer, we'll automatically run a credit report if you authorize us by giving us your social security number. Our automated systems as well as our Loan Officers have direct on line connections to a credit bureau to enable a quick response.

Blemished credit is the most common challenge faced by would-be homeowners. By running the credit up front, you won't be surprised when you apply for a loan. You can also use the time prior to finding the right home to repair any incorrect or problem credit. We've developed A Quick And Easy Guide To Credit Scoring to assist you in understanding the role credit plays in obtaining your mortgage. Best of all, our pre-qualification and credit report is a free service.

The strongest way to be prepared for a home purchase is a "pre-approval". You actually apply for your mortgage before finding a home. The loan is fully processed and you are issued a pre-approval certificate stating the maximum loan amount for which you have qualified. Now you can house hunt with peace of mind - not to mention that when you present your pre-approval certificate to a seller, your offer is strengthened considerably vs. another buyer who hasn't been approved.