You want to buy a house...what now?

Educate Yourself on the Homebuying Process

Determine if Homeownership is Right for You

Taking this class is a great way to start! Meet one-on-one with a Boulder County Personal Finance Coach to customize your individual plan to achieve homeownership!

Prepare Financially

Create a budget as a renter and as a potential home owner, run your credit report, understand what goes into your credit score and work to improve your score (if needed), and gain an understanding of the laws that can protect you.

Determine how much you can afford.

Remember, this is up to YOU.

Contact a Loan Officer

Discuss loan programs and get pre-approved for a loan.

Choose a Real Estate Agent

Ask friends and family for recommendations.

Discuss your needs and wants of your future home. Begin your home search!

Find the Home that Works for You!

Does the home meet all of your needs? Does it offer some/most of your wants? If the answer is yes, make an offer!

Close the Loan

Insurance

Shop around for - and purchase - homeowners insurance and get additional inspections (if necessary)

Get a Home Inspection

As soon as your offer has been accepted, schedule a professional home inspection to identify potential problems with the home.

Finalize Your Loan

After your offer has been accepted, contact your lender so they can complete your mortgage. Your lender will notify you of any contingencies that need to be completed before closing.

Home Appraisal

Your lender will hire an appraiser to estimate the value of the house you want to buy.

A title company facilitates this meeting where the seller receives the check and the buyer receives the deed to the property. Congratulations, You’re a Homeowner!

Move Into Your New Home.

Educate yourself on postpurchase practices so you’ll be prepared to maintain your home.