Joseph Loya, Colorado real estate: owning a home in Colorado is closer than you think
What you've heard
20% down.Perfect credit.Someday.
That's what most people are told it takes to buy a home in Colorado.
What actually happened
What actually happened
Keys in hand.
Real Colorado families we helped buy. Several closed with about $1,000 out of pocket.
Free · about 2 minutes · English or Spanish
the 20% rule
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That's 20% down on a $425,000 example home. For a lot of families, it's the number that keeps them renting.
What real clients paid out of pocket.
Nallely Cabral · Westminster, CO
Closed on a home in Westminster with about $1,000 out of pocket.
Lidia Cañas · Thornton, CO
Became a homeowner in Thornton with about $1,000 out of pocket after a year-long prep plan.
Robin Vasquez & Shaun Papineau · Brighton, CO
After a year and a half of searching, bought their first home in Brighton with exactly $1,000 out of pocket.
Santos · Englewood, CO
Purchased a home in Englewood with about $1,000 out of pocket, and received money back at closing.
Every situation is different. What you pay out of pocket depends on the loan, assistance programs and what's negotiated with the seller.
Figuring it out alone.
- Guessing numbers from Zillow.
- A lender you've never met.
- Programs nobody told you about.
A free tool that builds your plan in about 2 minutes.
- Ask
- Eva is the free planning tool on this site. Tell her your budget, credit, timeline and where you want to live. About two minutes, any hour, English or Spanish.
- Plan
- She builds your private plan page from your own numbers: your price range, your estimated monthly payment, the programs you may qualify for, and your next step.
- Close
- When you're ready, Joseph takes it from there: the lender, showings, offers, negotiation, closing. You're never handed off to an assistant.
The things people hear.
- “You'll never sell above the comps.”
- “Two mortgages and a deadline? Not happening.”
- “A lender already said no.”
- “It's too hard to buy here.”
What happened instead.
Mirna De La Cruz · Aurora → Strasburg, CO
Priced their remodeled home at $500,000 (above the $480,000 comps) and netted over $200,000 toward their next home in Strasburg.
Raul Pulido · Aurora, CO
Two mortgages and a 2-month clock. Under contract in just 22 days, and still walked away with about $30,000.
Elizabeth Perez · Brighton, CO
Turned away by a previous lender, she was pre-approved in 48 hours with Joseph's team and closed on a newer Brighton home with about $1,000 out of pocket.
Where our clients bought: Westminster · Denver · Thornton · Aurora · Commerce City · Centennial · Deer Trail · Englewood · Brighton · Strasburg
Read all 20 client stories
Your turn.
Tell Eva where you're starting from. In about two minutes you'll have a real plan built on your numbers, and Joseph by your side for every step after.
Free · about 2 minutes · English or Spanish
Joseph Loya · Licensed real estate agent · Keller Williams Realty Downtown · Colorado. Results vary; every buyer's situation is different.
Rather just talk to Joseph?
Call or text him, or leave your first name and number and he'll call you.
The best deal in your areas, in your price range, every Tuesday.
- One email, every Tuesday.
- One home per area you pick, always inside your range.
- Plain facts and the price. Reply, and Joseph sends you the details.
Joseph LoyaTuesday
Deal of the Week
to Maria
Hi Maria,
Here is the best deal I found this week inside your $400K to $475K range:
🏡 Aurora, 4 bed / 3 bath
- About $172 per finished square foot.
- More than 2,700 finished square feet.
- Move-in ready, with an updated kitchen.
- 46 days on the market.
- One price cut already.
- That left room to ask the seller for help with closing costs.
💵 Listed at $465K.
If you are interested, just reply and I will get you all the details.
- Joseph
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