Our Process

1 - Conversation

We’ll start with a chat either on the phone or in-person. If you want to skip the chat, you can skip to the application and apply directly online. We don’t recommend skipping this first step as we do more than assess your credit-worthiness, income and assets. First time home buyers rarely understand the home buying process and seasoned home buyers have typically worked with lenders that have not fully informed them of the full implications of obtaining a mortgage. Since a mortgage will likely be the biggest debt you’ll ever have, it’s important to understand how it will fit into your entire financial situation. You also may qualify for programs that are only available in Colorado -we’ll let you know if that’s the case.

2 - Application & Pre-Approval

Apply online, over the phone or in person. The application lets us collect crucial information that we’ll use to construct your offer and make sure you won’t run into any problems later. We always recommend applying before you start shopping for a home, but we’re all human and often that doesn’t happen. If you’re in a hurry to place an offer on the home of your dreams, we quickly get you a pre-qualification letter. Knowledgeable sellers will judge the strength of your offer based on several factors, including your pre-qualification or pre-approval letter (what’s the difference?).

3 - Documentation

We’ll collect your loan documents such as pay-stubs, W2’s and other financial information that we’ll submit to underwriting. We’ve made this process easy so you can do it from your smartphone or computer saving you time and energy. If you elected to do a pre-approval chances are we’ll have most of the information we need already.

4 - Appraisal & Inspection

Time to make sure you home is worth what you’re paying for it and doesn’t have any hidden problems. We’ll go over the appraisal with you in detail and make sure all of your questions are answered. Because we’re Colorado owned and operated we know the details of each neighborhood and can help you anticipate issues before they happen. Easement issues in Vail? Higher than normal property taxes in Stapleton? Agricultural zoning in unincorporated Boulder County? Guiding you through these types of nuances separates us from most lenders.