First Time Home buyers in Denver

As an agent in today's market, I believe the biggest hurdle is getting a first time buyer into a home they LIKE! Our prices have sky rocketed in the last few years leaving first time home buyers struggling to afford anything let alone something they actually LIKE. Agents and lenders alike work relentlessly week in and week out trying to beef up every offer to make them appealing to the seller as they possible can be. However, with some buyers having access to cash, it makes it extremely important for buyers (without cash) of any magnitude to be 100% qualified before making any type of offer so they the buyer does not lose the home they LOVE. SO..... I have decided to blog about the beginning steps a buyer 1st time or veteran NEEDS to do before ever looking at homes,

Speak with a lender preferably your agents lender because an agent/lender duo is like a well oil machine.

• With-in speak with the lender they will request a bunch of documents (pay stubs, 2 years filled taxes, bank statements, etc)  these are vital to a successful transaction because they base your purchase off the documents requested. I can't tell you how many times buyers don't see the value in providing these documents which ultimately prevents them from purchasing.     
• Once you have met with the lender and turn in EVERY document requested, your lender will provide your agent with a pre-qualified letter which tells the sellers agent they you have officially been reviewed and pre-approved. At this time you should start looking for homes to purchase. ( this is not a 100% guarantee you will get approved but its as close as you can get..
• Lenders run buyers through an automated under writing system typically once they are under contract on a home BUT can actually run you through before you are under contract. This helps strengthen your offer because it tells the sellers agent that you have been through all the firsts steps of approval and are qualified to purchase the home,

If you would like to start the buying process I would LOVE to get you in touch with my lender. Please reach out to me today!

Brittney McCune 

www.greatwayrealestate.com

Brittney@greatwayrealestate.com

Introduction: Brittney McCune Great Way Real Estate

HI All,

I am starting this blog in hopes to help others that are thinking about or actively pursuing a career or transaction in Real Estate.

I am a wife, a mother to LOTS of beautiful little people, and a Realtor in this crazy Denver market. I to was once a first time home buyer in 2012 and that's when I found out how much I LOVE Real Estate. I left my secure job at the VA hospital and took a HUGE risk jumping into the unstable, but amazingly satisfying Real Estate market. My husband thought I lost my mind and for a while, it was scary to think how I would pay next months bills, but by the grace of God I have made it and LOVE every risky, crazy minute of it. It gives me the flexibility to spend much need time with my children that I had longed for since the day they were born, but couldn't afford to be a SAHM because today it is so expensive just to live. Becoming my own boss has to be my favorite part because I no longer have someone dictating every move I make. It absolutely has its struggles too....... not knowing where your next paycheck is coming from or how much it will have to be the scariest! Putting weeks or months into working for a client for them to change their minds or not qualify to buy has to be the saddest. AND not ever knowing how the market will change from month to month is the hardest! I wouldn't change a second of it for the world, you know when you find your nitch this is defiantly mine.

The market has just starting to change when I received my license and I am so ever thankful! It's still a struggle for buyers due to the increase in prices and population. Writing 5+ offers for every buyer between 0-300 thousand looking at 10+ houses and always having showing piled on top of showings! However, there is nothing like being at a closing table with a first time home buyer and watching the excitement grow as we hand over the keys to their very own home. Probably my favorite moment in time its priceless!

I would really like this blog to be informative to everyone alike. Please comment on topics you would like to see/read about. I have added pictures of myself and my wonderful family!

Brittney McCune
Great Way Real Estate
Brittney@greatwayrealestate.com