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I'm a Buyer, where do I start?

Above all else, I would take a good look at my finances and come up with a desired monthly payment. From there, I would see how much money I can reasonably put down on a property. There are loan options that require a down payment anywhere from 3.5% - 20% or more. It all depends on your situation. If you have very little in your bank account and qualify for CHFA, you may even be able to put down 0%!

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After determining your financial situation, sit down for coffee and talk to a Real Estate Broker (me!). I didn't want to talk to one my first time purchasing a house for fear that I might get sucked into a high-pressure, sales-y, and unethical Western-style standoff and come away frustrated... but that never happened. Brokers are truly a gateway to all the information you will need regarding:

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1. How to get finances for your home purchase

2. How to make an offer

3. What neighborhoods suit your needs

4. What help you will need during your home purchase (inspection, roofer, HVAC, plumbing,etc.)

5. MLS properties that match your search sent directly to your email inbox

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Depending on how that conversation goes, hopefully you will continue with that Realtor and start looking at homes you're interested in based on the auto-email he's been sending you on a daily basis. Then, if you like a house, you will place an offer and that is when the real work begins and you start "The Process".

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TRY TO STEER CLEAR OF ZILLOW AND TRULIA

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It's not that I don't like them, it's that sometimes their "inventory" is outdated or 600+ days old. So that house you really liked is definitely sold and you feel bad because you missed out.

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Instead, try Realtor.com, REColorado.com (this is my favorite), or Homes.com

Now that you know where to start,

                 you can click on the link to right to

                                        understand more about

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Talk to your friends, family, and co-workers about where they started their search and they will say they started online. It is a GREAT resource available to you. There's a ton of information there to comb through and understand, but unless you know what pitfalls to avoid it may not be the best starting point.

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Realtors are here to serve as your fiduciary. They put your needs ahead of their own with regard to your home search. My goal isn't to make the most money on commissions, it's to place you in the ideal home to suit your needs. If I haven't done that, I haven't done my job!

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