Purchasing a Home
Purchasing your first home can be a daunting new experience. Luckily there are multiple resources that can help make the process less stressful and more affordable. Take advantage of the federal and state programs that help first time home buyers reach their goals towards home ownership.
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Beth Stone–Local Realtor
Local Realtor that will guide you through the buying, selling or rent-to-own process!
Statewide
The process of buying a home or selling one can be extremely overwhelming. I am here to help make the entire process seamless. Certified agent in the Home Partners of America rent-to-own program that provides the ability to test run a home and eventually buy. You have options, I'm here to help. Email me: beth.stone@westandmainhomes.com
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Best Mortgage: Shop, Compare, Negotiate
Step-by-Step Booklet
The HUD has developed this in depth step-by-step guide on how to properly shop around for different mortgage loans.
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CHFA
Colorado Housing and Finance Authority
CHFA aka Colorado Housing and Finance Authority is Colorado’s trusted partner for affordable and responsible homeownership. Through their statewide network of approved lenders, they offer home purchase loans and grants; and second mortgage loans for down payment and/or closing cost assistance. They also sponsor free homebuyer education across the state in English and Spanish to help prepare you for homeownership. They have an easy step-by-step process in navigating your first home purchase.
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metroDPA (down payment assistance)
Up to a percentage of the home loan amount!
Statewide
metroDPA is a down payment assistance program available in several cities in Colorado. Your income must be below $176,700 a year and credit score above 640 (620 in some cases). You can get help with up to a percentage of your mortgage loan amount with a 3-year forgivable second mortgage. Click on the link to learn more! You can also call Diana or DeDe at the number below or email minardid@stifel.com for further inquiries.
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metroDPA Social Equity Program
For residents/descendants of redlined Denver neighborhoods
Denver Metro
Are you a resident or direct descendant of someone who lived in a Denver neighborhood that was redlined between 1938 and 2000? If so, you may be eligible for $15,000 or $25,000 toward a down payment on a home! Click on the website link to learn more. There's a link to a map where you can search by address to see if you lived, or you are a direct descendant of someone who lived in a historic redlined area. The map has a number of different neighborhoods in Denver that were defined by banks as historically ineligible for loans, or "redlined." Borrower can purchase a home anywhere in the metroDPA footprint of eligible areas (this includes 46 cities and 9 counties along Denver’s Front Range).
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NACA
Neighborhood Assistance Corporation of America
NACA is the best purchase program in America. NACA provides both comprehensive housing counseling and access to an incredible mortgage. NACA has over $20 Billion committed from some the country's largest lenders with everyone receiving four extraordinary terms: No Down Payment, No Closing Costs, No Fees & Below Market Fixed Rate
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