Not because you do not want a home. Because nobody has told you what you actually need, in what order, in plain English. This roadmap does that, from the first question to the keys in your hand.
Diane Beaumont · Branch Manager, Benchmark Mortgage · NMLS #247026 · 5.0 from 270+ client reviews
Want a real number first? Take the 2-minute quiz
The whole journey on one page, eight stops from first question to keys in hand
Your Three Numbers worksheet, so a listing price never sets your budget for you
The full document checklist and a printable tracker you can work from day one
Three things in here that change what you do next
Stop 3
The typical first-time buyer is not putting 20 percent down. Some conventional loans start at 3 percent, and VA and USDA can be zero down for buyers who qualify. On a home near the Colorado median, that gap is the difference between buying this year and waiting five.
The part nobody mentions
Colorado has programs built specifically to help with the down payment and closing costs, and most first-time buyers never hear their names. The roadmap lists them and explains who each one is for.
The least self-serving page
Twelve questions to ask any lender, including Diane. The way someone answers question ten tells you more about them than any advertised number ever will.
Look inside
Thirty-six pages, eight stops, the Your Three Numbers worksheet, the full document checklist, and a printable tracker. Here is what is actually inside.
The eight stops
Before you shop, you settle the question you have been avoiding. What is really in the file, and what would need to change.
You do not need forty tactics. You need two, and the roadmap names them.
The four loan types, what each one asks for, and the Colorado help that exists for the down payment.
A pre-approval is a conversation, not a test you can fail in secret. This is how to get one that holds up in an offer.
The buyers who enjoy this part are the ones who did the boring work first.
One protects your decision. The other protects the loan. You want both.
Your file gets re-checked in the final weeks. Here is what to run past your lender first.
Closing is the milestone. The long game is what happens after, and the guide covers that too.
More than 20 years helping Coloradans buy, including complicated income and files another lender could not solve.
5.0 from 270+ client reviews.
Why it's free
Because first-time buyers who understand the process have a better experience no matter who they choose, and those are the buyers I most want to work with.
One page in here argues against my own short-term interest. It hands you the twelve questions to ask any lender, including me. If another one answers them better, go work with them and I will be glad you are taken care of.
Before you type your email
It is free. You give a first name and email so Diane can send it, plus a short follow-up with the most useful parts. No credit pull, and you can unsubscribe anytime.
This is exactly the right time. The first three stops are built for the person who does not know whether buying is even possible yet, and they answer that first.
There is a section written for you. Self-employed income can be calculated more than one way, and a no from one lender is often a timing or a program problem, not a permanent answer.
Twelve minutes of reading gets you most of it, and you will know what happens next.
5.0 from 270+ client reviews · 20+ years in lending · NMLS #247026
Equal Housing Lender. Diane Beaumont, Branch Manager and Mortgage Loan Originator, NMLS #247026, CO MLO License #100019059. Benchmark Mortgage is a dba of Ark-La-Tex Financial Services, LLC, NMLS #2143, www.nmlsconsumeraccess.org. Client rating of 5.0 from 270+ reviews as published at dianebeaumont.konnectreview.com. This guide is general information and education only. It is not a commitment to lend, a pre-qualification, a pre-approval, or an offer of credit. All loans are subject to credit approval, underwriting review, and property eligibility. Rates, terms, and program availability are subject to change without notice.
