Olive Joy Bongolan- +1(720) 902-9888 olivejoy@nlpcolorado.com
You don't have to have it all figured out
Most of the first-time buyers I talk to start with the same worry. "I don't have enough saved." A lot of them thought they needed 20% down. Most didn't.
Colorado has state, metro, and city programs that help with down payment and closing costs. Some are grants. Some are deferred loans you don't repay until you sell, refinance, or pay off the home. The rules are different for each one, and that's where people get stuck.
That's the part I help with.
Step 1: Answer a few quick questions
No credit pull, no commitment. It takes about two minutes.
Step 2: I look at which programs may fit
I'll compare your income, household, location, and plans against the programs available, on both the home side and the loan side.
Step 3: We talk, and you decide
We go over your options together. Even if the answer is “not yet,” you'll know exactly what to work on.
Why talk to me
I'm Olive Joy Bongolan. I'm a Real Estate Advisor and a Mortgage Loan Officer, and I've been in lending since 2005.
That means you don't get passed back and forth between an agent and a lender who aren't talking to each other. I can look at the home side and the loan side with you at the same time, and tell you plainly what's realistic.
I moved to this country at 19 and started from zero. I know what it feels like to want something steady that's yours.
Questions people ask me
Do I have to be a first-time buyer?
Not always. Some programs define it as not owning a home in the last three years. We'll check.
Will this hurt my credit?
What if I don't qualify right now?
You've thought about this for a while. Let's see what's possible.
NXT Level Properties | REAL Broker, LLC dba REAL · CO Real Estate License #FA100102184
Mortgage Loan Originator NMLS #1672837, Barrett Financial Group, L.L.C. NMLS #181106 · Equal Housing Opportunity
Program availability and eligibility vary and are subject to change. This is not a commitment to lend.