๐Ÿ”‘ For FSBO Buyers

Found a FSBO Home?
Get Pre-Approved and Make a Strong Offer.

Buying from a for-sale-by-owner seller? A pre-approval letter makes your offer stand out โ€” and shows the seller you're serious and qualified.

Why It Matters

3 Reasons to Get Pre-Approved Before Making an Offer

๐Ÿ’ช
Stronger Offer

FSBO sellers are often wary of unqualified buyers. A pre-approval letter proves you can close.

๐ŸŽฏ
Know Your Budget

Know exactly what you can afford before you fall in love with a home you can't buy.

โšก
Faster Closing

Pre-approved buyers close faster. Less stress for you and the seller.

Loan Options

We Offer Every Loan Type

Whatever your situation, we'll find the right fit.

๐Ÿ 

Conventional

Traditional financing with competitive rates. As low as 3% down for qualified buyers.

As low as 3% down
๐Ÿ›๏ธ

FHA

Government-backed loans with flexible credit requirements. Great for first-time buyers.

3.5% down ยท Flexible credit
๐ŸŽ–๏ธ

VA Loans

For veterans and active military. Mike is a veteran himself and a VA loan holder โ€” he knows the process inside out.

$0 DOWN ยท No PMI!
๐Ÿฐ

Jumbo

For homes above conforming loan limits. Competitive rates for luxury properties.

High-value properties
Quick Pre-Qualification

Get Pre-Approved in Minutes

Fill out this quick form and we'll get back to you fast โ€” usually within a few hours.

No credit pull required for initial pre-qualification. Your information is secure and confidential.

๐ŸŽ‰

You're on Your Way!

Mike or a team member will review your info and reach out within a few hours. Want to speed things up?

๐Ÿ“ Complete Full Application ๐Ÿ“… Schedule a Call
Mike Colyer

Your Loan Officer: Mike Colyer

28 years in mortgage lending. US Army veteran. VA loan holder. I've been through the process myself โ€” both as a professional and a homeowner.

๐ŸŽ–๏ธ US Army Veteran NMLS #276626 DRE #01842442

Prefer to Apply Directly?

Skip the form and go straight to our secure online application.

Privacy Policy

Effective Date: April 1, 2026

The Colyer Team is committed to protecting your privacy.

Information We Collect

Your California Privacy Rights (CCPA/CPRA)

California residents have the right to know what personal information we collect, request deletion, and opt out of sale/sharing. Contact judy@vip.thecolyerteam.com.

Do Not Sell or Share My Personal Information

Under CCPA/CPRA, you have the right to opt out of the sale or sharing of your personal information. We do not sell your personal information. To submit a request, email judy@vip.thecolyerteam.com with subject "Do Not Sell or Share."

Accessibility Statement

The Colyer Team is committed to digital accessibility. We aim to conform to WCAG 2.1 Level AA. If you have difficulty using this site, contact us at judy@vip.thecolyerteam.com.

Terms of Service

Effective Date: April 1, 2026

By accessing and using this website, you agree to these Terms of Service. This site is operated by Michael Colyer, Broker Associate, DRE# 01842442, NMLS# 276626, under Five M Realty Group, Inc., DRE# 02253302.

This website is provided for informational purposes only and does not constitute an offer to lend or a guarantee of any terms. All loan applications are subject to credit approval.

Information on this site does not constitute legal, financial, or tax advice. We make no warranties regarding accuracy or completeness. Contact judy@vip.thecolyerteam.com with questions.