Buying your first home is exciting — and a little overwhelming. A bit of preparation makes the whole process calmer and faster.
Start by checking your credit and gathering two years of income documents. Then decide on a comfortable monthly payment, not just a maximum price.
Get pre-approved before you shop. In competitive Colorado markets, sellers take offers with a solid pre-approval far more seriously.
Ask about Colorado down payment assistance programs — many buyers qualify and don't realize it.
Finally, build a team you trust: a local agent, an inspector, and a mortgage broker who answers the phone.