Here's what you need to know about Metro Denver mortgage loans before you start looking at homes.
If you want to buy a home in Metro Denver, it's very important for you to get pre-approved as soon as possible. Getting pre-approved saves you time, stress, and possible disappointment. Looking at homes that are out of your price range is a waste of everyone's time. Get pre-approved before you shop for a Metro Denver home so you'll know how much you can afford to pay.
Getting pre-approved also means that when you find the right home, you'll have a lender letter you can submit with your offer. Most sellers will not even look at an offer with no lender letter. In fact, most sellers don't even allow their home to be shown to anyone who has not been pre-approved in their price range.
Our advice is to use an experienced, reputable, and LOCAL lender to be sure your loan will be funded on time and your home will close. (The closing is the meeting where you complete the purchase of your home.) If you can't close on schedule, you run the risk of the seller cancelling the contract for failure to close and keeping your earnest money. (Earnest money is the deposit you make when your offer is accepted).
That's why we recommend a local lender with a track record of closing on time. These lenders have reputations to maintain, and are motivated to do a good job for you in order to earn referrals from local Realtors.
We have extensive contacts among local mortgage lenders and can refer you to an experienced, reliable, licensed lender who will handle your mortgage loan with promptness, courtesy, and efficiency. We can't guarantee results, but we can say that these lenders have done a good job for previous clients. And that's what is important to us.
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