Buying your first home in Colorado is not the same as buying a car or renting an apartment. Here is what nobody told you — and how I cover it.
Three places. I have watched all of them happen. I will keep you out of every one.
Every house has issues. The question is which ones matter. I will walk every report with you and tell you what to negotiate, what to fix, and what to let go.
Wrong loan program kills more first-time deals than bad offers. I connect you with lenders who actually fit your situation — VA, FHA, CHFA, conventional, doctor loans, you name it.
Your earnest money is at risk the moment you sign. I track every deadline so you never lose it on a technicality.
Pre-qual is a guess. Pre-approval is a document. I will connect you with three lender options so you can compare rates and terms without a sales pitch.
Beds. Bath count. Commute. Schools. HOA tolerance. Yard. We separate must from nice before we shop, not during.
I will not burn your weekends on bad fits. We tour the homes that survive the filter — usually 3-5 per round, not 15.
I write the offer, walk you through every term, and call out anything weird. Inspections, appraisal, financing — I am in every step.
Down payment is not the only number. Expect closing costs (1-3% of price), inspection ($400-$650), appraisal ($550-$750), and first-year insurance + tax escrow. I will model the real all-in number before we ever write an offer — no surprises at the table.