You don't need 20% down to buy your first home in Colorado.
Most of my first-time buyers put down 3–5%. Grab the free First-Time Buyer Toolkit and see the down-payment programs, your real monthly number, and the exact steps — in about 60 seconds.
When do you want keys to your first place?
One tap. No wrong answer — the toolkit fits every timeline.
Where should I send it?
Instant access on the next screen — plus I'll text you the download link so you never lose it.
Three tools that answer the three questions every first-time buyer asks
Not a 40-page PDF you'll never read. Working tools with your numbers in them.
"How much do I really need?"
The down-payment program sheet: 3% conventional for first-timers, 3.5% FHA, 0% VA — plus Colorado CHFA down-payment assistance and how to stack it with seller concessions.
"What will it cost per month?"
The Rent vs. Own calculator built for the North Denver metro — full payment with taxes, insurance, and HOA, next to what your rent builds you: $0.
"What am I signing?"
The Contract Navigator: every deadline, every exit, and every dollar at stake in the Colorado purchase contract — written for humans, not lawyers.
What you've heard vs. what's true in 2026
"I need 20% down."
Conventional first-timer loans start at 3% down. FHA is 3.5%. VA is 0%. On a $450,000 starter home, that's the difference between saving $90,000 and saving $13,500 — and CHFA assistance can cover part of that.
"My credit isn't good enough."
Conventional floors around 620; FHA works down to 580. And if you're not there yet, a focused 60–90 day cleanup often is the plan — the toolkit shows you where to start.
"I should wait for prices or rates to drop."
Every year of renting pays down someone else's mortgage and builds you $0. Rates can be refinanced later; years of equity can't be bought back. The right question isn't "when is the market ready" — it's "when am I."
No pressure. No 47 phone calls. Here's the whole thing:
Grab the toolkit
60 seconds. Instant access to all three tools on the next screen.
I text you — once
One question: your timeline. You set the pace from there. Reply "stop" and I vanish.
You get a plan
Your payment range, the programs you qualify for, and the next step — whether you're buying this quarter or next year.
What you're probably thinking
I'm not ready to buy yet.
Perfect — the toolkit is built for 6–12 months out. The buyers who win in this market started planning before they started shopping. Researching now IS being ready.
I don't want an agent blowing up my phone.
You get one text from me — a real person, not a dialer. I've closed 350+ homes; I don't need to chase anyone. You drive the pace, always.
Why is it free?
Because some of the renters who grab it will become buyers, and some of those will want the agent who handed them the map before asking for anything. That math works for both of us.
Your first home starts with one tap.
Free toolkit · instant access · one text from a real local agent.