1. Estimate Monthly Payment and Affordability

Use our online mortgage and payment calculators to get a feel for how much home you can afford.  No sense wasting a lot of time looking at homes that are too expensive.  Likewise, you might be surprised at how much you CAN afford to spend on a home. 

2. Order an Online Credit Report

There are 3 companies that monitor your credit: Experian, Trans Union and Equifax.  Different lenders use different companies.  So, when you order your credit report make sure you order a 3-in-1 Credit Report.  A 3-in-1 report will pull your credit from all 3 companies and pull all the data together into one report.   The price is usually around $35.00.  For your convenience, Great Homes in Denver recommends CreditReporting.com, click on the banner below to order your 3-in-1 Credit Report.

3. Credit Repair

To dispel any myths, there are no quick fixes to repair credit.  Credit repair requires time and money.  Nearly everyone has items on their credit report which are not quite correct.  Individuals can dispute these incorrect items.  The credit reporting agencies such as Experian, Equifax and Trans Union then have 30 days to investigate the dispute.  In many instances, for whatever reason, the dispute is not resolved within 30 days.   In that case, the credit reporting company removes the disputed item from your credit report.   This process is repeated over and over.  It works, but it takes time and some money.   It is highly recommended that work with a REPUTABLE  professional to repair your credit.

Great Homes in Denver has researched several companies and found that Lexington Law has a great reputation and record of success.   Most engagements take 3-9 months, which really depends on the amount of credit repair that is needed. Please click on the banner below for more information on how to repair your credit through Lexington Law.

4. Shop For a Mortgage

When shopping for a mortgage it's important to know that different lenders have different programs and different rates. Just like shopping for car insurance, it's important to shop around for the best mortgage rates and terms.  Great Homes in Denver has spent a considerable amount of time researching various services that match homebuyers with lenders and/ or mortgage brokers.  We've concluded that TheLoanPage.com does the best job of providing homebuyers with the most choices for a mortgage loan.

Click on the TheLoanPage.com banner below and fill out the short Mortgage Quote Form.   This information will be submitted to lenders who provide mortgage services in your area.  They will provide you with a "customized mortgage quote" based on your specific needs and situation.  It's simple and you are not asked for your social security number or anything like that.  Lenders in your area will contact you via phone or email to see how they can help finance your home purchase.