Arrange Financing

An important ingredient in a successful home search is knowing how much you can afford. You don’t want to fall in love with a property only to find out it’s outside your price range! That’s why I recommend getting a Mortgage Pre-Approval. This document from your bank or other lender states how much of a mortgage they are willing to give you – and avoid any unnecessary “House Heartbreak”.
Why is this so important? There are two advantages to getting this pre-approval:

  • It gives you the peace-of-mind of knowing you can afford homes you view on the market, and won’t have problems arranging financing.
  • It’s a sign to sellers that you are a serious, prepared buyer – which gives you the edge when making an offer.

You can arrange for a Mortgage Pre-Approval with your bank or other lender, or by working with a good mortgage broker. I’m well-connected in the Denver real estate scene, so if you want me to recommend a reputable broker or lender, please contact me.

How Much Home Can You Afford?

Banks and lenders use specific criteria to determine how much of a mortgage they’re willing to offer you.

They look at your:

  1. income
  2. expenses
  3. credit score / history
  4. employment status
  5. down payment

It’s important to understand how each of these variables can play into your mortgage approval. One of the most misunderstood elements is your credit score (or your credit risk level). The most commonly used credit score is called the FICO Scores, created by the Fair Isaac Corporation. To get a better idea of how this silly little score has such an effect on your mortgage rate and terms, click here ( to download the FREE “Understanding Your FICO Score” Guide.  
It may seem like a scary process at first, but it is actually very straightforward. You can usually get a Mortgage Pre-Approval in a SINGLE DAY! You’ll be glad that you did.

Down Payment Assistance

FACT: The Denver Metro area has over a dozen different Down Payment Assistance Programs available! Some you don’t even need to pay back!

With so many options for financing, many questions are sure to arise.

Do I even qualify?

How do I know which is best for me?

How much do I get?

Which one gives me the largest amount?

Do I have to repay the loan? Or is it considered a gift?

Can it help with closing costs?

How does my income factor in?

Will my credit affect how much I can receive?

Is there a limit on the sale price of a house I can buy?

Are there restrictions on the type of home I purchase?

How does all of this ” work” for me?  

Is your head spinning yet? Don’t fret, I have all the answers! Call me today, and I can help you sort it all out.  I will connect you with a lender to help you determine what your best financial options are. Submit the form below to see


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