When you're ready to buy
The First Home Partnership
Joseph by your side from your plan to your keys.
For first-time buyers in Colorado, in English or Spanish.
20 client stories English y español
Joseph Loya · Real estate agent · Keller Williams Realty Downtown
What's included
- Your Home Plan: your price range, an estimated monthly payment and your next steps.
- A lender match: two lenders who work with first-time buyers and assistance programs. You choose; we get nothing from them.
- A credit-ready plan if you need one, step by step, checked with you every month.
- Your Deal Finder list: the best-value homes in your range, already filtered.
- Offer strategy and negotiation done for you, including asking the seller to help with closing costs.
- Every step explained in English or Spanish, with a walk-through of your contract.
- Check-ins after you get the keys, and a value review a year later.
Two promises
A real answer the same business day, in English or Spanish.
Business hours: Mon–Fri 9 AM–8 PM, Sat 9 AM–6 PM (Mountain).
After hours or on a Sunday? You'll hear back the next business day.
Not happy with how we're working for you? End our buyer agreement anytime before you're under contract, in writing, no fee.
Before you tour homes together, Colorado buyers sign a written buyer agreement, and Joseph walks you through every line first.
In their own words.
Renter to owner
Ramon Vega · Denver, CO
Went from lifelong renter to homeowner in Denver with roughly $5,000 out of pocket.
“It feels strange not being a renter anymore. I'm glad you pushed me to finally do this, Joseph. I should have done it sooner!”
A year of credit prep
Lidia Cañas · Thornton, CO
Became a homeowner in Thornton with about $1,000 out of pocket after a year-long prep plan.
“I can't believe we're finally here after that whole plan we started last year. It feels good seeing the work on my credit actually turn into a home in Thornton.”
A lender said no first
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.
“We tried to buy our first home and I think we ended up with people who… well, didn't help us at all. Until we landed in Joseph's hands, and it was… a huge change in our lives with this process.”
Results like these are not typical: most buyers bring more to closing. What you bring depends on the price, the loan, your credit and income, program rules and what's negotiated with the seller. A licensed lender can tell you yours.
A lender decides who is approved and how fast.
It starts with a free 15-minute call with Joseph.
On the call, Joseph sends you your Deal Finder list: the best-value homes in your range this week.
Book a free 15-minute callTwo quick questions, then pick a time. Joseph calls you.
Not ready yet? Get your free Home Plan
How Joseph is paid is agreed in a written buyer agreement before you tour homes. Keller Williams Realty Downtown.