FIRST-TIME HOMEBUYERS GUIDE
Your Homebuying Roadmap
Set a realistic price range by reviewing your income, savings, and debt. We can help connect you with a trusted lender.
Step 1: Determine Your Budget
A mortgage pre-approval gives you a clear idea of what you can afford—and shows sellers you’re serious.
Step 2: Get Pre-Approved
Create a list of must-haves vs. nice-to-haves: location, size, number of bedrooms, etc.
Step 3: Define Your Must-Haves
We’ll help you schedule showings, understand property values, and identify great opportunities.
Step 4: Start Touring Homes
We’ll guide you through writing a competitive offer and negotiating terms that protect your interests.
Step 5: Make an Offer
This critical step ensures the home is safe, sound, and worth what you're paying.
Step 6: Home Inspection & Appraisal
We’ll walk you through the final paperwork and hand over the keys to your new home.
Step 7: Closing Day!
Our Journey
1989
This is the space to introduce visitors to the business or brand. Briefly explain who's behind it, what it does and what makes it unique. Share its core values and what this site has to offer.
1992
This is the space to introduce visitors to the business or brand. Briefly explain who's behind it, what it does and what makes it unique. Share its core values and what this site has to offer.
2003
This is the space to introduce visitors to the business or brand. Briefly explain who's behind it, what it does and what makes it unique. Share its core values and what this site has to offer.
2019
This is the space to introduce visitors to the business or brand. Briefly explain who's behind it, what it does and what makes it unique. Share its core values and what this site has to offer.
TODAY
The branding transition from the Roshek Group to Home Legacy Group was a natural evolution rooted in our deep ties to the community and the profound relationships we've cultivated over time. With our motto of "Lifetime Friendships, One Home at a Time," we strive to capture the essence of our enduring commitment to establishing and maintaining connections. Our rebranding reflects not only the bonds our agents share amongst ourselves but also the longstanding friendships we've formed with our valued clients.
Frequently Asked Questions
Start by reviewing your income, expenses, and savings to establish a realistic budget. Getting pre-approved for a mortgage is a smart first step—it helps define your price range and shows sellers you're serious. Home Legacy Group can connect you with trusted lenders and local loan officers to help you understand your options. You can also explore programs like CHFA’s first-time buyer loans for added assistance.
Pre-approval clarifies how much you can borrow and can give you an edge in a competitive market like Woodland Park or Florissant. Sellers tend to favor buyers with verified financing. Reach out to the Home Legacy Group team for referrals to reputable lenders who know the nuances of Teller County home buying.
Make a list of your "must-haves" versus "nice-to-haves"—this could include the number of bedrooms, proximity to schools, or access to hiking trails. Local lifestyle features like being near Mueller State Park or within walking distance to downtown Woodland Park can greatly influence your decision. Your Home Legacy agent will help match your needs with available homes in neighborhoods that fit your lifestyle.
Once you’re under contract, a licensed inspector will examine the property to identify any issues—from roof condition to electrical systems. An independent appraisal ensures the home’s value supports the purchase price, which is required by lenders. If you're buying a home in areas like Divide, knowing the property’s true value and condition is key—especially with mountain homes that may have unique maintenance concerns.
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