Buyer's Guide Series: Get Your Mortgage Started Now

When it comes to buying a home—especially in competitive markets or unique areas like mountain resort communities—starting your mortgage process early is essential. You've likely already taken the first step by getting pre-approved, but now it’s time to move forward and get officially approved.

Once you're under contract, the clock starts ticking. While it may feel like you have plenty of time until closing day, trust us—those days go fast. That's why you should gather all your financial documents and submit your full mortgage application as soon as possible.

Why the urgency? In some areas or specific condo complexes, not all lenders are equipped to lend on every property. Even if a lender claims they can handle it, it’s critical your real estate agent talks directly with them to ensure they understand the local nuances. Sellers may even reject your offer if your lender doesn’t have a track record in the area.

👉 Pro tip: We have a list of preferred local lenders with proven success in our market. Just ask—we’re happy to share.

If you haven’t chosen your lender yet, don’t wait. Now is the time to shop rates, programs, and loan types—before you even make an offer. Once under contract, your loan application and documentation should be submitted within the first few days to avoid delays.

🏡 Don’t Let Financing Hold You Back

Get started on your mortgage today and make your home buying journey smooth, stress-free, and successful.