Ready to Discover Your Denver Dream Home?

Think you're ready to buy your first home in the Denver Metro? 

Before you start searching for homes online, it's important to take the first step to house shopping: Getting pre-approved for a mortgage.

Your pre-approval will tell you what you can afford and what your monthly payment will be, so it's important to determine this before you start searching for your new home.

It's not a bad idea to start interviewing mortgage lenders as soon as you start to consider going down the path of homeownership.   A good lender will help you determine a budget within your payment goals, understand how much money you need to save, offer suggestions to improve your credit score if necessary, and explain loan options that would be best for your situation and goals.  To get started take these three steps:

1.  Contact me, and I’ll send over a list of lenders I know and trust.
2.  Look over the list, check out their online reviews, and ask friends and family who have recently bought a home for lenders they liked working with.
3.  Reach out to 2-3 lenders you like or let me introduce you over email.

Once you've got your pre-approval letter in hand, it's time to start the search!

Before we hop into the home search, I like to advise my clients to create a "Needs" list and a "Wants" list. This will help us to really focus on the things that are most important in your future home.

Needs are the non-negotiable features; the features you simply must have in your next home. Wants are the ones you’d like to have, but you can add or change down the road. Remember, you can’t change the lot or the location so make sure you love both.

Once you've established what you're looking for, I will set you up on a search so you can receive an email the second a home that fits your criteria goes live. Once you see a property that interests you, send me the address and any questions you have about the property and I will get the answers for you and schedule a showing for you to see the property in person.

After touring houses and choosing the one you love, it's time to make an offer. To do this, you'll need your pre-approval letter or proof of funds. You'll then need to make an earnest money deposit which is usually around 1-2% of the purchase price once your offer is accepted. (The earnest money will go towards your closing costs at closing.)

Have more questions about buying a home or what happens after making an offer? Reach out to me today!