Question 1

How long does the home buying process take from start to finish?

Accepted Answer

From first conversation to keys, most buyers take two weeks to a couple of months depending on how long the home search runs. Once you are under contract, our typical closings runs 18 to 21 days on average, and files with complete documents up front can often close faster.

Question 2

When should I get pre-approved?

Accepted Answer

Before you tour homes, and ideally a few weeks before you plan to write an offer. Pre-approval takes a day or two, costs you nothing, and gives you a real payment range to shop with instead of a guess.

Question 3

What happens after my offer is accepted?

Accepted Answer

You deliver earnest money, we open the loan file, order the appraisal, and lock your rate. Inspection, appraisal, and underwriting run in parallel on the timeline written into your contract, and we keep every date on it.

Question 4

What is underwriting and what are they looking for?

Accepted Answer

Underwriting is the lender's verification step. An underwriter confirms your income, your assets, your credit, the appraisal value, and the property's title. Most requests are for one or two extra documents, and quick responses keep the closing on schedule.

Question 5

How much money do I need during the process?

Accepted Answer

Earnest money when you go under contract, the inspection fee, and the appraisal, which is usually collected around that point. Everything else, including your down payment and closing costs, comes due at closing, and assistance programs can offset a big share of it.

Question 6

What happens on closing day in Colorado?

Accepted Answer

You sign the final documents at the title company, bring a photo ID and your final cash to close if your instructions require a cashier's check or wire, and once the county records the deed the home is yours. Signing usually takes about an hour, and recording typically finishes the same day.

Your road from pre-approval to front door

Seven stops. No mystery.

Talk numbers

Get pre-approved

Find the right home

Go under contract

Inspect and appraise

Clear underwriting

Get the keys

Quick answers for the road

Ready for stop one?