For buyers
Buying a home in the west Denver metro
A clear, step-by-step plan so you know what's coming, what it costs, and how to write an offer that works.
How the process works
- A conversation first. We talk about what you want, your timeline, and what’s driving the move. No pressure, no commitment.
- Get pre-approved. A local lender reviews your finances and tells you what you can borrow. This makes your offers much stronger.
- Pick your neighborhoods. I’ll help you compare areas on commute, schools, lifestyle and price. The neighborhood guides are a good place to start.
- Tour homes. I’ll set up a search so you see new listings the moment they hit the market, including Compass Coming Soon homes.
- Write a smart offer. We look at recent sales and the competition to decide on price, terms and contingencies that give you the best shot without overpaying.
- Inspection and appraisal. I help you understand the inspection report and negotiate repairs or credits.
- Close and get your keys. I coordinate with the lender, title company and seller’s agent so closing day is simple.
What makes a strong offer in Denver?
Price matters, but it’s not everything. Sellers also care about a solid pre-approval, a reasonable closing date, how much earnest money you put down, and how clean your inspection and appraisal terms are. I’ll help you find the combination that’s competitive and still protects you.
Frequently asked questions
How much do I need for a down payment in Colorado?
It depends on the loan. Some conventional loans allow as little as 3% down, FHA loans allow 3.5%, and VA and some USDA loans allow 0% for eligible buyers. Colorado also has down payment assistance programs through CHFA and some cities. A local lender can tell you exactly what you qualify for, and I’m happy to introduce you to a few I trust.
What are closing costs for buyers in Colorado?
Buyers typically pay lender fees, prepaid taxes and insurance, appraisal and inspection costs, and part of the title and closing fees. Your lender will give you a Loan Estimate with the specific numbers. Sellers usually pay for the owner’s title insurance policy in the Denver area, though everything is negotiable.
Do I need a buyer's agent, and how are they paid?
You’re not required to have one, but a buyer’s agent works only for you: pricing advice, negotiating, inspection strategy and keeping the deal on track. Since 2024, buyers sign a written agreement with their agent before touring homes that spells out how the agent is paid. Sometimes the seller covers some or all of it, and I’ll walk you through every option before you sign anything.
How long does it take to buy a house?
Once you’re under contract, most Colorado closings take about 30 to 45 days. The search itself can take a weekend or a few months, depending on the market and how specific your wish list is.