Lending Process
Guiding You Through Every Step of the Lending Journey with Clarity and Confidence
Getting Pre-Approved
It’s recommended to contact multiple lenders to compare their loan programs, fees, and rates
Comparing Lenders
It’s recommended to contact multiple lenders to compare their loan programs, fees, and rates
Selecting a Lender
Once you’ve chosen a lender, they’ll review your information to provide an estimate of how much you can afford to spend on a property.
Property Inspection & Appraisals
After selecting a lender, you can expect a property inspection and appraisal.
Underwriting
An underwriter will review your finances to ensure you can afford the loan.
Closing
The final step is closing on your loan, which can take 30–60 days
New Home Experts
Building Dreams, One Home at a Time—Your Guide to Custom and New Builds in Colorado
Here are some other things to consider when buying a home in Colorado:
Credit Score
A conventional loan typically requires a credit score of at least 620, while an FHA loan requires a score of at least 580
Down Payment Assistance
There are programs available to help first-time home buyers with down payments, such as Aurora’s Home Ownership Assistance Program (HOAP).
Adjustable Rate Mortgages
ARMs have a fixed interest rate for a set period of time, then adjust based on market rates. This can be a good option if you think you’ll only own the home temporarily.
Our Approved Lenders
Debbie Havens, NMLS: 653845
Whether it’s your first home or your forever home, Debbie and her team can help! They offer a wide-range of options for purchase, refinance, investment, and specialty loan programs.
Phil Wynkoop, NMLS: 1422341
Meet Phil Wynkoop! Phil has been originating loans since 2016. He enjoys that every file is like a puzzle that needs to be figured out.
Some are simple and others are a bit more complicated – every application is certainly like a box of chocolates!
Olivia Tomlinson, NMLS: 2069504
As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing.
I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program.
Team Fruci, NMLS: 1064528 | 1864837
To facilitate the American Dream of Home
Ownership with an innovative platform,
experienced advisors, and a vested
interest in our clients’ futures.