Buying a home in Denver can be an exciting but overwhelming experience, particularly if you are buying your first home. As your REALTOR®, we can guide you through the Denver home buying process and help you find the right home for you, and at the right price.
Contact us today for a no-obligation buyer consultation to get you started on the path to your next home!

Most Denver home buyers have a number of concerns, all of which we can help you with:

Setting a Time Frame
There are a lot of variables in the home-buying process, which means the time it takes to find and buy your new home varies too. A typical Denver home search process may take one to three months, including the mortgage approval process, comparing and evaluating properties, making and negotiating an offer, doing inspections, and the closing process. The loan qualification process typically takes 30-45 days.

The Lending Process
Perhaps one of the most intimidating aspects of buying a Denver home is the mortgage approval process. We’ll be here to help guide you through this, but there are many ways you can prepare early to make the process smoother:
  • Start by making sure your budget is under control—make a list of all your monthly expenses, compare it with your income, and see if adjustments need to be made.
  • You should also try to pay off small credit card balances, but don't close the accounts as they will count toward your available credit, which is a good thing.
  • Start gathering documents you may need, such as W-2 forms, income tax returns for the past two years, recent pay stubs, records of child support or alimony, bank statements for the past several months, and your credit report.
  • Look over your credit report for any errors and start working on getting those corrected.
  • Also, be sure you have funds for the earnest money deposit when you make an offer, as well as down payment, and closing costs. Sometimes you can get the seller to pay part of the closing costs.
  • We can recommend Denver lenders we have worked with successfully in the past that we know are professional, honest, and will do what they say they will.
Determining How Much Home You Can Afford
A general guideline to consider is that most buyers purchase a home that costs about two and a half to three and a half times their current annual income. For example, someone earning $100,000 a year might purchase a home for $250,000 to $350,000. Mortgage payments should be about 26-30 percent of your gross monthly income. Existing debt is also considered in the mortgage process, and total debt payments (car payments, credit cards, student loans, etc.) should not exceed 40 percent of your gross monthly income.

Buying a Denver Home That Meets Your Needs and Wants
Before you start looking at properties in Denver, make a list of “must-have” features along with optional features you’d like to have. “Must-have” features may include the number of bedrooms and bathrooms you’ll need to accommodate your family, location (consider commute to work, which schools your children will attend, etc.), lot size and special needs (handicapped access, etc.). Optional features may include the architectural style, bay windows, landscaping, etc. Having a clear idea of what you need versus want will help us find the perfect home for you.

Educating yourself about the Denver home-buying process is key to getting a home you love and can afford. As your REALTOR®, we are here to answer any questions you might have and guide you through this process.
 Contact us today for a no-obligation buyer consultation to get you started on the path to your next home!

LDS Real Estate Agent in Denver CO
Are you looking for an LDS Real Estate Agent in the Denver, Colorado metro area who understands your lifestyle and shares your values and priorities? Well look no further than Marianne Bandy and Bandy Homes.

Marianne is a professional LDS Real Estate Agent in the Denver area with outstanding integrity, who takes the time to understand your specific housing and family needs. She understands that a big part of your family's happiness depends on the home and community where you live.

One of Marianne’s greatest passions is helping people with their Real Estate transactions, typically one of the largest financial transactions they will undertake. Marianne loves working with Latter Day Saint home buyers and sellers. Marianne uses her expertise and market knowledge so that her clients get the most accurate and up to date information possible. Marianne has a breadth of experience working with clients through all aspects of closing on a home.

When listing homes for sale, this includes readying the home for sale, developing a marketing strategy, getting feedback on showings, negotiating inspection items, and many other details that lead up to a successful closing.
When helping Buyers, she loves the feeling of helping families connect with the right home in the right community. She also has knowledge of ward and stake boundaries, meeting house locations, youth programs, drive time to the LDS Denver Temple, and seminary locations for your high school children.

Marianne is excellent at contract negotiations and looking out for the best interests of her clients. She has obtained the Certified Negotiation Expert (CNE) certification and the CRS (Certified Real Estate Specialist) designation, which only 4% of all Realtors have achieved.

If you’re looking for solid results and a WOW! experience, then call Marianne and put her to work for you. Over the course of her career, Bandy Homes has helped more than 970 families buy and sell homes. What does this mean to you? Bandy Homes has the experience and proven systems in place to make your transaction as smooth and worry-free as possible.

Bandy Homes is committed to conducting business with the utmost integrity. The team was formed on the principles of honesty and loyalty with clients. Marianne believes in surrounding herself with good people that share her values.

This includes good business partners that can aid in all aspects of a real estate transaction, including home
inspections, loans, title work, home repairs, etc. Marianne and her entire team are committed to the
highest levels of customer service for their clients.

Who You Work with Matters!

Marianne lives in Parker, CO, a small-town-feel community located SE of Denver. She likes going on walks with her husband and their dog in the Canterberry Crossing community, where she lives. She has four grown children and loves spending time with her two grandchildren. She is also an amateur equestrian. She has served women and their families in the LDS Church and community by helping to meet their needs through connecting them with aid for food, clothing, and counseling services.