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

A pre-qualification is a quick estimate based on what you tell a lender. A pre-approval means the lender has reviewed your income, assets and credit, so sellers take your offer more seriously.

Do I have to use Tayton Capital?

No. You're free to choose any lender. Tayton Capital is simply the lender Thomas recommends, and Thomas is happy to work with your pre-approval from any lender.

Does getting pre-approved hurt my credit?

A pre-approval usually includes a credit check. Ask your lender how they pull credit and how it may affect your score before you apply.

Can I get pre-approved for a VA or first-time buyer loan?

Yes. Tell the lender about your situation — VA eligibility, first-time buyer status or down payment assistance — so they can review the programs that fit you.

What do I do with my pre-approval letter?

Send it to Thomas. He'll use your budget to set up a home search and include the letter when you make an offer.

Step one for buyers

Get pre-approved before you shop.

Know your budget and make offers sellers trust. Start with Tayton Capital, the lender Thomas recommends — then he'll find homes that fit.

Recommended lender

Tayton Capital

Apply online in minutes. A loan officer will review your details and follow up with your options.

Get pre-approved with Tayton Capital Apply online now

Opens Tayton Capital's website in a new tab. Tayton Capital LLC · NMLS #2106875

Why it matters

Shop with confidence, not guesses.

Know your real budget

See what you can comfortably afford before you fall for a home.

Make stronger offers

Sellers look for buyers who have already been reviewed by a lender.

Move faster

When the right home hits the market, you're ready to write an offer.

How it works

From application to offer.

01
Apply with Tayton Capital
Start online in a few minutes. A loan officer reviews your details and follows up.
02
Get your pre-approval letter
The lender confirms your budget and the loan options that fit.
03
Send it to Thomas
He sets up a home search around your budget and goals.
04
Tour homes & make offers
Your letter goes with every offer so sellers know you're ready.

Be ready

What lenders usually ask for.

Your loan officer will confirm the exact list, but having these handy speeds things up.

Photo ID
Recent pay stubs
W-2s or tax returns
Recent bank and asset statements
Details on any other income
VA Certificate of Eligibility, if you have one

Helpful guides

First-time home buyer guide VA loans in Colorado Springs How to buy a house, step by step

Ready to start?

Apply with Tayton Capital today.

Already pre-approved somewhere else, or want Thomas to walk you through it first? Send him a note and he'll call you.

Get pre-approved with Tayton Capital Apply online now

FAQ

Pre-approval questions

Tayton Capital LLC (NMLS #2106875) is an independent mortgage company and is not part of 6035 Real Estate Group. You are free to choose any lender. Loan approval is not guaranteed and is subject to the lender's review.