Buying in Colorado & Wyoming
WHAT CAN YOU AFFORD?

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A home buyer should typically be able to afford a home that is 3 to 3.5 times your annual income.    Another general rule is your total monthly expenses (including the new home) should never be above 45% of your gross (pretax) income.   For a first time home buyer, I typically recommend for this ratio to be 35% or less.   You should always consult with a professional mortgage advisor (not your typical bank teller).  And please remember that not all banks are created equal. Some banks can be great for your day to day banking, but have a reputation as terrible mortgage lenders. Therefore, please ask me or your friends and family for mortgage banker recommendations. A mortgage banker will advise you and let you know your qualification, how much home you can afford, what your monthly payments will be and what you should expect throughout the home buying process.   ​My recommendations for mortgage and land lenders include:

Mortgage Lenders

COLORADO
Fairway Independent Mortgage Corporation
Kenny Bunch
​Phone: (970) 691-2051     
​Email: kennyb@fairwaymc.com
COLORADO
The Horn Funding Corp- The Francis Team
Max Pribbeno
​Phone: (303) 406-8070     
​Email: max@francismortgage.com
COLORADO
New American Funding
Steve LaForest & Kellen Miles
​Phone: (970) 381-4374 or (970) 213-8572
​Email: steve.laforest@nafinc.com or
kellen.miles@nafinc.com
WYOMING
Fairway Independent Mortgage Corporation
Kenny Bunch
Phone: (970) 691-2051     
​Email: kennyb@fairwaymc.com
WYOMING
Blue Federal Credit Union
Jason Harris
Phone: (307) 432-5439     
​Email: jharris@bluefcu.com

Land Lenders

COLORADO
The Federal Savings Bank
Rhonda Croft
​Phone: (970) 420-4210     
​Email: rcroft@thefederalsavingsbank.com
COLORADO
Adams Bank & Trust
Kim Kuxhausen
​Phone: (970) 667-4308     
​Email: kkuxhausen@abtbank.com
COLORADO
Bank of Colorado
Jim Verg
​Phone: (970) 689-8237     
​Email: jim.verg@mb.bankofcolorado.com
WYOMING
Blue Federal Credit Union
Jason Harris
Phone: (307) 432-5439     
​Email: jharris@bluefcu.com