Select a Real Estate Agent

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This is the most important step when it comes to buying a home. You need someone who is knowledgeable about the area, local policies and government, and costs of potential remodel costs and most importantly someone who can negotiate to get you the best price and terms when buying a home.

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A lot of people have hesitation when speaking to a lender. Getting a lender on board sooner than later is only going to help you. A good lender will not only help you determine a price and walk you through what your payments will look like, they can also help structure loan incentives that we might be able to leverage when submitting offers. Making sure you get fully pre-approved will help you avoid any possible hiccups later on down the road when you go under contract. 

Financial Pre-Approval

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This is when we sit down and discuss the process, answer questions, and hone in on your search to include the best possible properties out there. By the end of the Consultation, you should have a clear understanding of the home-buying process, home search criteria, and necessary paperwork we will need to use. 

Buyer Consultation

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Once you start receiving properties, it is important to keep everyone informed about your favorite properties. If there is a good kitchen or bathroom, make sure to point it out. If there is anything that jumps out as a 10/10, make sure to notify us as soon as possible. Speed in getting to the property could be important.

Select Properties

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Our goal is to show you the best of the best in houses. If there is something worth seeing and it fits your search criteria, let's go see it! We will coordinate with the seller and your schedule and get a showing on the calendar. If it's not perfect, we will discuss the pros and cons and keep searching. 

View Properties

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When you find the right property, let's write an offer. You have several options when writing the terms including several dates and deadlines for inspections, lending, and title purposes. The Colorado Contract to Buy and Sell favors the buyer in most circumstances. As long as we stick to the contract and the deadlines we set up, the home-buying process should be a smooth process.

Write an Offer to Purchase

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So much of what Realtors do is negotiate the transaction. I am there to work for you and your best interests at all times. The best time to get what you want is when making the offer. We will discuss different tactics and strategies once we find the right house. 

Negotiate Terms

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Once all parties have signed the Contract or Counterproposal, we are officially under contract. The dates typically take 30 days from going under contract. Depending on the loan and how things were structured, we might be able to close earlier or later depending on the situation. 

Contract Accepted

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You will need to deposit an Earnest Money Check to the Title Company within a few days of going under contract. We will receive a receipt upon deposit and will forward it to all parties when it is received.

Earnest Money 

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The title company will do a search on the property to make sure there are no liens on the property, HOA covenants/bylaws, or extra owners unaccounted for.

Conduct Title Search

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You will have the right to bring in your own 3rd party inspector. They will spend a few hours in the property and the inspector will give you an Inspection Report at the end. It will be up to you and the Contract if you submit an Inspection Objection (Request for the seller to make repairs). The Seller will have a few days to review the Objection and will respond with the Inspection Resolution.

Conduct Inspections

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 If you are planning on using a loan, there is a high likelihood that there will be an appraisal. An appraiser is the one who determines the final assessment of the property value. As long as both real estate agents did their jobs correctly when going under contract, there shouldn't be any major issues. If there is an issue, we will have the ability to negotiate with the other party. 

Obtain Mortgage Financing

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Your file will go through the lender's underwriting department. No matter how much information and documentation you provided in the beginning of the process, just know underwriting will be coming with questions. As long as you got your information to the lender. 

Obtain Funds for Closing 

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By the Contract, the Seller has the right to pick their own title company unless we state otherwise. We will need to sign all documents on the day of closing at the title company. Until we have final notice from the lender, keep the closing date as a floating date. Once it's locked down, clear your schedule so we can sign some paperwork and celebrate!

Close on the Property  

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Sometimes we can negotiate the seller have a few extra days in the property after closing. If that is the case, you will get keys to the property and become a temporary landlord while the seller moves out. We can negotiate terms and conditions of the lease-back when writing the offer. 

Take Possession of Home