First-Time Homebuyer Programs
Buying your first home is as much about understanding the process as it is about the numbers. I work with a lot of first-time Colorado buyers, and my goal is always the same: make sure you understand your options clearly enough to feel confident in the decision, not rushed into it.
Who this program tends to fit
- Buyers who have never owned a home, or haven't owned one in several years
- Buyers exploring down payment assistance or low-down-payment programs
- Buyers unsure whether FHA, conventional, or another program fits best
- Buyers who want to understand the full process before they start touring homes
How it works
First-time buyers in Colorado often have access to a combination of low-down-payment conventional and FHA programs, along with state and local down payment assistance resources depending on eligibility. Part of my process is reviewing your income, credit, and savings together and mapping out realistic options — including what a pre-approval will actually look like — before you start house hunting.
Frequently asked questions
How much down payment do I actually need?
It depends on the loan program — some options allow as little as 3–3.5% down. We'll look at your full financial picture to figure out what makes sense for your goals, not just the minimum required.
Should I get pre-approved before looking at homes?
Yes — a pre-approval clarifies your realistic price range and shows sellers and your Realtor that you're a serious, prepared buyer, which matters in a competitive Colorado market.
What credit score do I need as a first-time buyer?
Requirements vary by program. Some first-time buyer-friendly programs are more flexible on credit than others — the best next step is a conversation about where your credit stands today.
Have questions about First-Time Homebuyer Programs?
I'm glad to talk through whether this program fits your specific situation — no pressure, just a clear answer.