Your Colorado home-buying process, step by step.
From your first pre-approval call to the day you get your keys — here's exactly what to expect.
Five steps from pre-approval to closing.
Every purchase is different, but most Colorado buyers move through the same core stages. We're with you at each one.
Get pre-approved
We review your income, credit, assets, and goals, then issue a pre-approval letter showing sellers and agents exactly what you can afford. This typically takes one conversation and a short document checklist.
Shop with confidence
With your pre-approval in hand, you and your real estate agent can shop knowing your budget and loan program are locked in. We're available to answer questions about any property that catches your eye.
Go under contract & lock your rate
Once your offer is accepted, we finalize your loan application, help you choose when to lock your interest rate, and order the appraisal to keep your timeline on track.
Underwriting & conditions
Your file moves to underwriting for final review. We manage document requests, communicate with your lender directly, and keep you and your agent updated at every milestone.
Clear to close
Once your loan is cleared, we coordinate final numbers with your title company, walk you through your closing disclosure, and get you to the closing table — and your new front door.
Your first home, your next home, or your mountain getaway
Documents that speed up your pre-approval.
Having these ready before your first call helps us move faster: recent pay stubs, last two years of W-2s or tax returns, two months of bank statements, and photo ID. Self-employed and investment-property buyers may need a few additional items — we'll tell you exactly what applies to your file.
Purchase FAQs
How much down payment do I actually need?
It depends on your loan program. Conventional loans can start around 3% down, FHA loans around 3.5%, and VA and USDA loans can offer zero down payment for eligible borrowers. We'll walk through which programs you qualify for based on your goals.
How long does pre-approval take?
Most borrowers can get pre-approved within a day or two of submitting their documentation, often faster. We'll tell you immediately if anything additional is needed so there are no surprises.
Can I shop for a home before I'm pre-approved?
You can look, but in Colorado's competitive market most sellers and agents expect a pre-approval letter before scheduling showings or accepting an offer. We recommend getting pre-approved first so you can move quickly when you find the right home.
What's the difference between pre-qualified and pre-approved?
Pre-qualification is a quick estimate based on information you provide. Pre-approval involves verifying your income, assets, and credit, and results in a formal letter that carries far more weight with sellers.
How long does closing take after I go under contract?
Most purchase loans close in roughly 21-30 days from contract to closing, depending on the lender, appraisal scheduling, and how quickly requested documents are returned. We'll give you a realistic timeline specific to your file.
Ready to start shopping with a pre-approval in hand?
It takes one conversation to get started — no obligation, no pressure.