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How to Buy a House the Easy Way: A Step-by-Step Guide

Welcome to your stress-free home buying guide. I'm Fred Gallegos, a veteran mortgage lender with over 30 years of experience, known for leading transformative mortgage initiatives and making the home loan process clear and simple. As a 5th generation Coloradan and an alumnus of the University of Colorado, Boulder, my goal is to guide you through your home purchase with clarity and ease.

Step 1: Consult a Lender

Begin your home buying journey by speaking with a lender, regardless of how far out you plan to buy. Consulting early helps in planning and understanding what you're financially prepared for. Schedule a consultation with our team to discuss any questions or plans you have regarding purchasing a home. My team, including myself, is ready to assist you.

Step 2: Get Pre-Approved

After consulting with a lender, you'll either continue planning or move forward with an application for pre-approval. Our digital mortgage application process at Guaranteed Rate involves cleaning up your application and requesting necessary documents such as W-2s, pay stubs, and tax returns. This step ensures you're truly ready to purchase and helps in aligning your financials correctly.

Choosing Between Pre-Approval and Full Underwriting

Consider opting for full underwriting instead of just pre-approval. Full underwriting provides a deeper look into your financials, making your offer more competitive and reducing stress during the home buying process.

Selecting a Real Estate Agent

After getting pre-approved or fully underwritten, the next step is to find a reliable real estate agent. If you don't have an agent in mind, our team can assist in finding one that matches your needs and has a proven track record.

Shopping for Your Home

With financials in order and a trusted agent by your side, you can confidently shop for your new home. Knowing your budget and having your loan pre-approved or fully underwritten beforehand allows you to focus on finding the perfect home within your means.

Finalizing the Purchase

Once your offer is accepted, the focus shifts to locking in your mortgage rate and completing the final underwriting process. Our team will guide you through these steps, including ordering an appraisal early to avoid delays and addressing any last-minute issues that may arise.

Closing on Your Home

The final step is closing on your new home. Since much of the financial work has been completed upfront, closing should be a smoother and less stressful experience.


Buying a house doesn't have to be a stressful process. By taking the right steps from the beginning and working with experienced professionals, you can navigate the home buying journey with confidence and ease. If you have any questions or need to schedule a consultation, don't hesitate to get in touch.

Start Your Home Buying Journey Now 

Are You Ready to Explore Colorado's Real Estate Market Confidently? I can assist in crafting a bespoke plan tailored specifically to meet your needs, contact me now at 970-855-9009.

Contact me today!


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Disclaimer: Fred Gallegos is a licensed loan originator who specializes in Colorado and operates this blog as an individual. Although his aim is to provide accurate and up-to-date information, this should not replace official regulations and guidelines.

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