First-Time Buyers
Your first home, without the jargon
Pre-approval, FHA and conventional options, down payment assistance, and the full inspection-to-close timeline — explained the way I'd explain it to my own family.
- $0
- Cost to work with me as a buyer
- 3.5%
- Minimum down on FHA loans
- $25K+
- Available DPA in Adams County
- 30 days
- Typical contract-to-close
The Process
From first call to keys in hand
- 01
Free buyer consult
We meet (Zoom or coffee), I listen to your life — not just your budget. We talk neighborhoods that fit how you actually live: commute, schools, walkability, parks, the works.
- 02
Lender intro and pre-approval
I introduce you to two or three trusted local lenders so you can compare quotes. We get you a real pre-approval letter (not a pre-qualification), and I help you read the loan estimate line by line.
- 03
Tour, evaluate, offer
We tour homes in batches, I send you my honest read on each one, and when you find the right one we write a competitive offer that protects you with the right contingencies.
- 04
Inspection + appraisal
I attend inspection with you, translate what matters from what doesn't, and negotiate repairs or credits. I also coordinate the appraisal and address any value gaps with the lender.
- 05
Close + welcome home
Final walkthrough, closing disclosure review, signing day at the title company, and keys. After close I stay in your corner for warranty questions, contractor referrals, and the next chapter.
Programs I help buyers tap
Down payment assistance you might qualify for
Colorado has more first-time buyer help than most agents bother to learn. I know the local programs and the lenders fluent in them.
CHFA (Colorado Housing Finance Authority)
Up to 4% in down payment and closing cost assistance for buyers under income limits. Works with FHA, VA, USDA, and conventional loans.
Adams County HOPE
Up to $25,000 in deferred-payment assistance for buyers in Adams County including Commerce City, Brighton, and Thornton.
Metro DPA
Forgivable second mortgage program for buyers across the Denver metro. Pairs well with FHA and conventional loans.
Good Neighbor Next Door
50% off HUD-listed homes in revitalization areas for teachers, firefighters, EMTs, and law enforcement.
“The first thing I tell first-time buyers: you do not have to figure this out alone, and you do not have to settle for a house that doesn't fit your life.”
Maddie Cowger, Realtor
What first-time buyers ask me most
Ready when you are
No pressure, no jargon. Just a real conversation about what's possible.