{"content":[{"text":"PRE-QUALIFIED vs. \n PRE-APPROVAL vs. \n UNIVERSAL LENDING’S \n PERFORMANCE \n GUARANTEE","bbox":{"left":0.60893,"top":0.217289,"width":0.30032100000000006,"height":0.14713199999999999}},{"text":"A mortgage lender can help you get pre-qualified or \n pre-approved for your loan. What does this mean?","bbox":{"left":0.117353,"top":0.304347,"width":0.420001,"height":0.034872000000000014}},{"text":"LEVEL 1: Pre-qualified \n Pre-qualified means that you did the basic work to determine \n how much house you can afford. It’s usually based on a \n verbal collection of your employment and asset information. \n In a hot sellers’ market, simply being pre-qualified may mean \n your offer does not rise to the top. You are a bigger risk.","bbox":{"left":0.117353,"top":0.368023,"width":0.46620900000000004,"height":0.11261000000000004}},{"text":"LEVEL 2: Pre-approved \n Pre-approval means your lender has verified your financial \n information, by reviewing pay stubs, tax returns, and other \n financial statements. Your lender has pulled your credit and \n has given you a conditional commitment for financing. Sellers \n will take a pre-approved buyer’s offer seriously.","bbox":{"left":0.117353,"top":0.509437,"width":0.467729,"height":0.11260999999999988}},{"text":"If you are ready to make \n your first move toward \n homeownership or you just \n want to ask some questions, \n please contact us today \n at 970.336.1185.","bbox":{"left":0.626655,"top":0.540044,"width":0.259591,"height":0.17206700000000008}},{"text":"LEVEL 3: Top Tier – Our Performance Guarantee \n If you really want to make sure your offer receives the merit \n it deservers, Universal Lending’s proprietary Performance \n Guarantee is the next best thing to a cash offer. With a \n Performance Guarantee you get a Certificate of Qualification, \n meaning you took the time to get your loan completely \n underwritten, and your loan has a guarantee of up to \n $10,000 of earnest money. This is the ultimate leverage in a \n hot sellers’ market and your offer will stand out.","bbox":{"left":0.117353,"top":0.650851,"width":0.46413599999999994,"height":0.16564100000000004}},{"text":"Home Team Lending \n 1019 37th Avenue Court Unit#1 \n Greely, CO 80634 \n Regulated by the Division of Real \n Estate Universal Lending \n Corporation, NMLS # 2996","bbox":{"left":0.118799,"top":0.878877,"width":0.23838399999999998,"height":0.102043}},{"text":"Home Team Lending \n 970.336.1185 \n mail@hometeamlending.com \n hometeam-lending.com","bbox":{"left":0.626382,"top":0.888065,"width":0.269258,"height":0.07896400000000003}}],"images_bbox":[{"left":0.95156,"top":0.962546,"width":0.039857,"height":0.031541},{"left":0.417325,"top":0.887231,"width":0.168252,"height":0.088074}],"images_bbox_not_text_overlap":[{"left":0.95156,"top":0.962546,"width":0.039857,"height":0.031541},{"left":0.417325,"top":0.887231,"width":0.168252,"height":0.088074}]}