Buyer’s Guide
Buying a Home in Broomfield, CO
Eight steps from pre-approval to the keys, with what a Colorado contract asks of you at each one.
A step-by-step home buyer’s guide
Know what’s coming before you write an offer
Buying a home is one of the most exciting milestones of your life, but it can also feel overwhelming. To prepare for it, you need to know what to expect.
This step-by-step buyer’s guide will help reduce your stress and walk you through finding the right home, making offers and closing, so you can enjoy the process as much as possible.
A 38-second introduction to Steve’s buyer packet.
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01
Step 1 of 8
Get pre-approved
A pre-approval tells you how much you can afford and makes your offer stronger when you find the right home. Steve can connect you with trusted local lenders if you need a recommendation.
02
Step 2 of 8
Plan your down payment and closing costs
You don’t need 20 percent down. Many buyers purchase with 3 to 5 percent, and Colorado has first-time buyer programs that can help with a down payment. Closing costs usually run about 2 to 3 percent of the price; Steve gives you an estimate early so nothing surprises you.
03
Step 3 of 8
Choose where you want to live
Commute, schools and budget narrow the list quickly. Start with Broomfield or look through all the communities Steve serves, then tell him what you want nearby.
04
Step 4 of 8
Tour homes with Steve
Save searches on the home search and Steve schedules the showings. Before you tour together, you’ll sign a written buyer agreement that spells out his services and how he’s paid, and he’ll walk you through it line by line.
05
Step 5 of 8
Write a strong offer
Colorado uses a state-approved purchase contract with a schedule of deadlines for inspection, appraisal, loan and title. Steve explains each date, your earnest money and your options before you sign, then negotiates hard for your price and terms.
06
Step 6 of 8
Inspect the home
Once your offer is accepted, you hire a licensed inspector to check the home for major issues. If something comes up, Steve negotiates repairs or a credit before your inspection deadline.
07
Step 7 of 8
Appraisal, loan and title
Your lender orders the appraisal, the title company prepares the title commitment, and if there’s an HOA you’ll get its documents to review. Steve tracks each deadline so nothing lapses.
08
Step 8 of 8
Close and get your keys
Most buyers in the Denver metro close about 30 to 45 days after their offer is accepted, and a cash purchase can be quicker. On closing day Steve brings the Welcome Home sign for your picture.
He kept me on track for a quick and successful closing.
Whiting T., bought with Steve
Where to start looking
Three places Steve knows street by street
North Broomfield
Anthem Highlands
The neighborhood Steve lives in and reports on every month.
On the market
New listings in Broomfield
Live from REColorado. Save a search and new matches come to your inbox.
$500,000
13139 Alcott Place Broomfield, Colorado
3 Beds 3 Baths 1,898 SqFt 0.22 Acres
Coming Soon Listing courtesy of West and Main Homes Inc
$298,000
12565 Sheridan Boulevard 116 Broomfield, Colorado
2 Beds 1 Baths 1,197 SqFt
Active Listing courtesy of Brokers Guild Real Estate
$690,000
13969 Del Corso Way Broomfield, Colorado
4 Beds 4 Baths 2,301 SqFt
Coming Soon Listing courtesy of LoKation
$478,900
4923 Grey Wolf Place Broomfield, Colorado
3 Beds 3 Baths 1,956 SqFt
Coming Soon Listing courtesy of Keller Williams Avenues Realty
$395,000
300 Jade Street Broomfield, Colorado
3 Beds 3 Baths 2,498 SqFt 0.2 Acres
Active Listing courtesy of RE/MAX Alliance-Lsvl
$975,000
3630 Vestal Loop Broomfield, Colorado
5 Beds 5 Baths 4,998 SqFt 0.4 Acres
Active Listing courtesy of RE/MAX Professionals
$365,000
12565 Sheridan Boulevard 304 Broomfield, Colorado
2 Beds 2 Baths 1,421 SqFt
Active Listing courtesy of RE/MAX Elevate
$365,000
12565 Sheridan Boulevard 304 Broomfield, Colorado
2 Beds 2 Baths 1,421 SqFt
Active Listing courtesy of RE/MAX Elevate
Questions
Buyer questions
How long does it take to buy a home?
Most buyers in the Denver metro close about 30 to 45 days after their offer is accepted, and a cash purchase can be quicker. Finding the right home, the inspection and loan approval take the longest.
What should I do first?
Get pre-approved for a mortgage. It tells you what you can afford and makes your offer stronger. Steve can recommend trusted local lenders.
Do I need 20 percent down?
No. Many buyers put down 3 to 5 percent, and Colorado has first-time buyer programs that can help with a down payment. CHFA is a good place to start.
How is a buyer’s agent paid?
Before you tour homes together, you’ll sign a written agreement that spells out Steve’s services and how he’s paid. In many sales the seller agrees to cover some or all of it, and Steve explains your options before you sign anything.
What happens at the inspection?
You hire a licensed inspector to check the home for major issues. If something comes up, Steve negotiates repairs or a credit before your inspection deadline.
How much are closing costs?
Expect about 2 to 3 percent of the purchase price, covering the appraisal, loan fees and title insurance. Steve gives you an estimate early so there are no surprises.
Selling too?
Have a home to sell first?
If you own now, the timing of your sale matters as much as your purchase.
The Seller’s Guide covers pricing, preparation and how Steve lines the two closings up.
Resources
Read up before you buy
Contact
Start with a conversation
Tell Steve what you’re looking for and when. Call or text (720) 219-4801, and he’ll explain the next step before you take it.