COBALT MORTGAGE | WA LIC: 520-CL48866
Ben Brashen: MLO- 175756
Mason Buckles: MLO- 176104
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  • We finally got our new home and you guys made it so easy. Starting off we knew nothing about mortgages and now we have our dream home!


    Dan & Jaime Kezner
    Mercer Island, WA

  • You taught us everything we needed to know and we we’re so happy to move in.


    Mike & Leslie Obrien
    Seattle, WA

  • What a flawless process! You took the time to help me understand what everything meant. My new condo is right where I want it...Thank you!


    Kelsey Birnbaum
    Seattle, WA

  • You held my hand through the entire process and made sure I knew every detail. It was easier to get a loan than to get Comcast to install the cable!


    Lindsey Johnson
    Ballard, WA

  • You took the guess work out of the whole process and educated me on what I needed to know while answering all my questions promptly. I was amazed how fast you were.


    Rafael & Manuela
    Everett, WA

  • I felt 100% confident and comfortable the whole time! This is a lot said seeing as I was working with the team remotely. This program truly works and the organized information was PERFECT!!!


    Ken & Shylah Davis
    Port Orchard, WA

  • You and your team made the mortgage process the most stress-free part of the entire house hunting experience. We learned everything we needed to avoid any pitfalls. Your team was quick and nimble to react every step of the way.


    Sarah and Marty Mogk
    North Bend, WA

Choosing the right lender and the right loan are keys to giving you the confidence you need to establish a safe and successful path to home ownership.

As professional mortgage consultants, our goal is not just to provide you with a loan.

We will also help you select one that you can easily afford so you can achieve your home buying goals and manage the new loan over time.

 

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WHAT'S THE DIFFERENCE BETWEEN
PRE-QUALIFICATION AND PRE-APPROVAL?

Pre-Qualification is the starting point in your search for buying a home and mortgage financing. Our Mortgage Discovery Program has been proven to help you decide if getting pre-approved is right for you. A pre-qualification takes a quick snapshot of your credit, income, savings, existing debt, and the length of your employment. We then analyze these factors to determine a price range on homes you can afford and your eligibility for a new mortgage to help you purchase a home.

Pre-Approval is written documentation that shows we guarantee the ability to finance your new home. It means an underwriter has reviewed your loan application, along with all supporting documentation including pay-stubs, tax returns, W-2s, bank statements, and additional asset statements. Based on your credit, income, and savings we will provide you the maximum and recommended dollar amount you are eligible to borrow to purchase your new home.

Once preapproved, you can begin shopping around for your new home!

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Why Get Pre-Approved? The great part about being pre-approved is it allows you to essentially shop as a cash buyer! This can give you the leverage you need to purchase a home at a lower price. 

With your pre-approval in hand, your negotiating power is increased and the seller will take your offer much more seriously because they know you are already approved by a lender. Pre-approval gives you the added benefit of shortening the time it takes to close making a lower bid additionally attractive to sellers who are seeking to move quickly.

What does it cost to get Pre-Approved?

Pre-Approval is FREE! You have absolutely nothing to lose and everything to gain.

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