Frequently Asked Questions

Buying a home usually follows five steps: set your budget, get pre-approved, search and tour homes, make an offer, and close. I guide you through each one.

• Set your budget and goals: decide your price range, must-haves, and preferred neighborhoods.
• Get pre-approved: a lender reviews your finances so you know what you can afford and can make a strong offer.
• Search and tour: use my home search to save searches and get new listings by email, then tour your favorites.
• Make an offer: I help you price it, negotiate, and handle the paperwork.
• Inspect, appraise, and close: we complete inspections, your lender finishes the loan, and you get the keys.

It depends on your loan type. Some loans allow as little as 3% to 3.5% down, VA and USDA loans may allow no down payment for eligible buyers, and putting 20% down can lower your monthly cost by avoiding mortgage insurance.

There may also be down payment assistance available to Colorado buyers [add programs Nino works with, such as CHFA, and confirm current details]. A lender can tell you which options fit your situation, and I can introduce you to lenders I trust.

Want to see what you could qualify for? Reach out and we will map it out together.

Yes, many buyers qualify with less-than-perfect credit. Some loan programs, such as FHA loans, are designed with more flexible credit requirements, though your rate and terms depend on your full financial picture.

Before you start touring homes, I recommend you:

• Check your credit report for errors and dispute any you find.
• Pay down credit card balances where you can.
• Avoid opening new credit accounts before closing.
• Talk to a lender early so you know where you stand.

I can connect you with lenders who work with a wide range of credit situations.

A buyer's agent represents your interests from your first search to closing. I help you find homes, understand pricing, negotiate offers, coordinate inspections, and manage deadlines so nothing slips through the cracks.

Before we tour homes, we sign a written buyer representation agreement that explains my services and how I am compensated. Compensation can be negotiated, and I will explain exactly how it works up front so there are no surprises. [Nino: add how you structure your fee and confirm the wording with your broker.]

Most buyers close about 30 to 45 days after their offer is accepted, and the full process from first search to closing often takes 2 to 4 months. [Adjust to what Nino sees locally.]

Your timeline depends on how quickly you find the right home, your loan type, and how the inspection and appraisal go. Getting pre-approved first is the best way to speed things up. If you have a move-by date, tell me early and I will plan backward from it.

Buyers typically pay about 2% to 5% of the purchase price in closing costs, in addition to their down payment. [Confirm the range for Colorado.]

Common costs include lender fees, appraisal, title insurance, prepaid taxes and insurance, and your home inspection. In some cases, you can negotiate for the seller to cover part of these costs. Your lender will give you an official estimate, and I will help you plan for it early so there are no surprises at the closing table.

Yes. I help out-of-state buyers relocate to Denver with virtual tours, neighborhood guidance, and a process that works even when you cannot be here in person.

I can help you compare neighborhoods, understand local prices, set up saved searches that email you new listings, and coordinate showings for when you visit. Tell me where you are moving from and when you want to be in your new home, and I will build a plan around it.

I am a REALTOR with Coldwell Banker Realty serving Denver, and I focus on helping buyers with a direct, honest approach. I tell you what is possible, explain each step in plain language, and stay with you until you have the keys.

I am also the author of [book title(s)], and the same mindset shapes my work: no excuses, clear goals, and real action. [Add years of experience, specialties, or a short client result if you would like.]

Ready to talk? Call or text me at (303) 520-1151.

Getting started is simple. Call or text me at (303) 520-1151, email me at [email protected], or save a home search on this website and I will reach out to talk through your goals.

We will start with a short conversation about what you want in a home, your budget, and your timeline. From there I will connect you with a lender if you need one and set up a custom home search so new listings come straight to your inbox.