Client Stories | Joseph Loya

In their own words.

Play any video to watch it with sound.

Robin Vasquez & Shaun Papineau · Brighton“Us coming into it, we didn't really know much about the process and yeah it is a little bit scary financially thinking about it… you guys just made everything possible for us.”

Albert & Liza · First-time buyers“Skeptical, yeah. Because we met you on TikTok… we sat down, got the consultation, we ran the numbers… and as you can see, we got a dream home.”

Elizabeth Perez · Brighton · In Spanish“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.”

Boris Acosta · Commerce City · In Spanish“I disconnected from the whole house process. I disconnected because I knew I was in good hands… Joseph isn't the first person we'd met trying to get a home… thank you so much, Joseph.”

Juan Rodarte · Aurora · In Spanish“You were always flexible… now that I look at it clearly, it always exceeded my expectations.”

Juan Lopez · Commerce City · In Spanish“Excellent working with you all, and I'm very happy with the process. It really was exactly everything I was looking for… I'd recommend you to anyone.”

Ricardo & Marisela · New homeowners · In Spanish“From the day we started with you we felt at ease… everything was excellent, great service. And the process was really fast.”

All 20 stories.

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.

Nallely Cabral · Westminster, CO
Closed on a home in Westminster with about $1,000 out of pocket.
Martha Rodriguez · Denver, CO
Purchased a home in Denver with only a few thousand dollars 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.
Juan Rodarte · Aurora, CO
Bought a home in Aurora using a beneficial loan program while staying within his budget.
Juan Lopez · Commerce City, CO
Bought a home in Commerce City within about a week of shopping, with only a few thousand dollars out of pocket.
Samuel Hoppe · Centennial, CO
Purchased a home in Centennial after a light credit-and-debt cleanup, leveraging his strong savings.
Miguel Ontiveros · Deer Trail, CO
Bought a ranch-style home in Deer Trail despite a limited budget of about $350,000.
Mirna De La Cruz · Aurora, CO
Bought a home in Aurora with about $16,000 in seller concessions, keeping the monthly payment and upfront costs comfortably within their family budget.
Santos · Englewood, CO
Purchased a home in Englewood with about $1,000 out of pocket, and received money back at closing.
Ramon Vega · Denver, CO
Went from lifelong renter to homeowner in Denver with roughly $5,000 out of pocket.
Herlinda Hernandez · Brighton, CO
Found a 5-bedroom home in Brighton big enough for the whole family, and bought it with about $1,000 out of pocket.
Romeo Sandoval · Denver, CO
Bought his first home in Denver at 23, with about $4,000 out of pocket after $8,000 in seller concessions.
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.
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.
Maria Isabel & Irving Jesus · Brighton, CO
Used new-build incentives and a lower interest rate to get their big family a brand-new 5-bedroom home with an office, without breaking the monthly budget.
Boris Acosta · Commerce City, CO
Went from mobile homes to a 2020-built house in Commerce City with $15,000 in seller concessions, cutting his cash to close by more than half.
Carolina Sandoval & Jose Estrada · Brighton, CO
Bought a semi-new two-story in Brighton with about $4,000 out of pocket. Unusually low property taxes kept the payment right where they needed it.
Miguel Delcid · Aurora, CO
A modest pre-approval didn't stop him: $8,000 in seller concessions put him in a 2-bed, 2-bath Aurora home with about $2,000 out of pocket.
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.
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.