From start
to keys.
Most Denver buyers close 30 to 45 days after their offer is accepted. Here's every step, every deadline, and where you can walk away.
Everything you want is on the other side of closing day.
Buying a home is one of the biggest decisions you'll make, and it can feel like a lot. It doesn't have to.
This guide lays out how buying works with us, the documents your lender will ask for, and every deadline once you're under contract. Read it at your own pace, and text us whenever a question comes up.
Jessica Thomas & Kim Dozier
What you can expect
Get pre-approved
- Find a lender. See Jess's recommendations
- Loan application and prequalification
- Pre-approval letter and budget. What your lender will ask for
Find your home
- Tour homes with Jess
- Sell your current home, if you own one
- Make an offer. Counter offers are normal
- Offer accepted
Contract to close
- Dates and deadlines start
- Deliver earnest money, usually within 2 to 3 days
- Inspection, title, HOA documents, appraisal and insurance. See each deadline
- Clear to close
- Final walkthrough
- Bring funds and ID
- Closing, then keys
- Find a lender
- Pre-approval
- Tour homes
- Offer accepted
- Inspection and appraisal
- Clear to close
- Walkthrough
- Keys
Every deadline, and where you can walk away
Once your offer is accepted, closing usually takes 30 to 45 days. These are the dates that matter.
"Anytime you see an objection or termination deadline, you can terminate the contract in writing by that deadline, for that contingency, and get your earnest money back."
Jess's rule of thumb
- InspectionInspection objection deadlineThen inspection resolution
- Title commitmentRecord title objections deadlineThen title resolution
- HOA documentsHOA documents termination deadline
- AppraisalAppraisal objection deadline, if it comes in below the contract priceThen appraisal resolution
- Property insuranceProperty insurance termination deadline
- LoanLoan termination deadlineThen clear to close
Our transaction manager tracks every date for you, and Jess reviews each result with you before a deadline passes.
Designed around your needs
"Buying a home is a collaborative process. We bring the strategy, the expertise and the communication. You bring your priorities, your timeline and your vision. Together, we build a plan around your goals."
Questions to think about first
- What's your moving timeline?
- What monthly payment feels comfortable?
- Do you need to sell before you buy?
- What matters most in your next home and neighborhood?
What your lender will ask for
These are the documents the lender will ask you for up front to get you qualified. Having all of it ready before you go under contract on a house makes the process much smoother.
1IncomeEveryone
2Self-employed onlyIn addition to the income documents
3AssetsWhere your down payment comes from
Everyone's situation is different. Your lender may ask for more, and updated pay stubs may be needed after your first documents. Jess's recommended lenders
Jess's Denver first-time buyer checklist
What Jess checks with every first-time buyer, from pre-approval to keys. Tick items off as you go, or print this page for showings.
1Before you tour2 to 4 weeks before you start looking
2At every showing5 minutes per house. Photograph every label.
3Under contractDeadlines move fast. We track every date for you.
4Before closingThe last week
* CHFA homeownership programs. ** metroDPA: 620 minimum credit score, income limit $210,150, education required. *** Colorado Department of Public Health and Environment, which also offers free radon test kits. Program terms change; confirm with your lender. Checked September 2026.
Professional, patient & absolutely outstanding.
I have sold three properties and bought two properties with Jessica & Kim. I encountered several different "difficulties" with a couple of my real estate interactions. Jessica was always on top of what I needed to do to help the process progress. She would help out in areas that are not within her job description. I can't say enough positive things about Kim and her 4 Walls coworkers. There is no one else who I would trust more to help me navigate the complex process of home buying and selling a home.
A 4 Walls That Fit client
Ready to start looking?
★★★★★ 5.0 from 103 Google reviewsTexting is usually quickest. Jess answers her own phone.
Co-lead Kim Dozier: (970) 390-9555 · Meet the whole team
