Buying a Home in Colorado:
Your Complete Guide
Buying a home is a big decision—but it doesn’t have to be overwhelming. At Zenith Home Loans, we help Colorado buyers make sense of the mortgage process so you can move forward with confidence. Whether you’re a first-time buyer, looking for your forever home, or looking to build your real estate portfolio, we’ll help you every step of the way.
Why Buy with Zenith?
Local loan experts who understand Colorado’s housing market
A simple, transparent mortgage process
Personalized guidance to help you make smart, confident choices
The Homebuying Process: Step-by-Step
Popular Loan Options
Conventional Loans
Ideal for buyers with varying downpayment and credit options
FHA Loans
Lower downpayment and flexible credit requirements. Great for first time home buyers.
VA Loans
For eligible veterans, active-duty military, and their families
Jumbo Loans
For high-value homes beyond conforming loan limits
Not sure what’s right for you? Our team can walk you through your options.
What You’ll Need to Get Started
- Proof of income and employment
- Credit history and score
- Details about your assets and debts
- Your Ideal Home criteria
The Zenith Certified Homebuyer Guarantee
Buying a home is a big commitment—so we back you with big guarantees.
Earnest Money Guarantee
If we issue your pre-approval and your financial details don’t change for the worse, you’re covered. If your deal falls through due to financing and it’s our fault, we’ll cover up to $10,000 of your earnest money.
Guaranteed Closing Costs
No surprises here. The costs we quote are the costs you’ll see at closing—or less.
On-Time Closing Guarantee
We’re serious about timelines. If your loan closes late and it’s our fault, we’ll pay $1,000 per day to you and the seller for each day we’re delayed.
Frequently Asked Questions
Ready to Buy?
Let’s get you one step closer to home. Start your pre-approval today and we’ll guide you the rest of the way.
