Buying with Ricardo

Your path home, clearly mapped.

Whether this is your first home or your fifth, you get a personalized plan, honest guidance, and a clear next step at every turn.

Start With a Conversation Search Homes

The buyer journey

Six stages, explained.

Here is exactly what I handle, what you can expect, and the few things I may need from you along the way.

Discover

Make sure we are a great fit and that you understand how buying works.

We start with a relaxed conversation about what you are looking for, your general timing, and how you like to communicate. I will walk you through the process, explain how I work, and answer your questions. Before we get into detailed strategy, we complete the brokerage agreement and disclosures Colorado requires, so our working relationship is clear from day one.

What I handle

Walk you through the full buying process
Explain how representation and compensation work
Answer your questions, with no pressure

What you can expect

Clear explanations in plain English
An honest view of timing and next steps
A straightforward agreement before detailed advice

What I may need from you

Your general goals and timeline
Your preferred way to communicate
Whether you have signed with another agent

Prepare

Set your budget and priorities so you can shop with confidence.

Once we are officially working together, we turn your goals into a plan. You will connect with a lender for pre-approval, we will define your must haves and nice to haves, and we will set a realistic budget that includes closing costs and your monthly payment, not just the purchase price.

What I handle

Map out your budget, priorities, and next steps
Introduce trusted lenders; you are always free to choose your own
Set up a search tailored to your criteria

What you can expect

A written plan with clear priorities
Education on financing, offers, and costs
An agreed rhythm for updates

What I may need from you

Pre-approval from your lender
Your must haves, nice to haves, and deal breakers
Everyone who is part of the decision

Explore

Find the right home through curated options and informed comparisons.

Rather than flooding your inbox, I focus on homes that truly fit your plan. We tour together, and I point out what matters: condition, layout, location, resale considerations, and how each home compares with recent activity nearby.

What I handle

Curate listings and schedule tours
Research property history and market context
Flag concerns and the right questions to ask

What you can expect

A meaningful update at least weekly
Honest feedback, even when a home is not right
Clear guidance when it is time to act

What I may need from you

Quick feedback after each tour
Availability for showings
A heads up if priorities or finances change

Secure

Negotiate strong terms and guide you through every contract deadline.

When we find the one, I prepare an offer strategy based on the home, the competition, and your priorities. Once we are under contract, I map every deadline and coordinate with your lender, the title company, and the inspector so nothing slips through the cracks.

What I handle

Offer strategy and negotiation
A milestone calendar built from your contract
Coordination with lender, title, and inspector

What you can expect

Options and trade-offs explained before each decision
Updates at every significant step
Early notice of any issue, with a plan

What I may need from you

Earnest money delivered on time
Prompt responses to lender requests
Decisions before each contract deadline

Close

Arrive at closing day prepared, informed, and ready to celebrate.

In the final week, I confirm signing details with title and your lender, schedule your final walkthrough, and make sure you know exactly what to bring. Your lender sends your Closing Disclosure at least three business days before closing, and we review it together so nothing is a surprise.

What I handle

Confirm signing logistics and your walkthrough
Review final numbers with you
Coordinate keys and possession

What you can expect

A clear closing week checklist
Guidance on exactly what to bring
A personal celebration of the moment

What I may need from you

Valid photo ID for signing
Funds wired only after verifying by phone with title
Utilities and moving plans in place

Protect your funds

Wire fraud targets home buyers. Never send money based on emailed instructions alone. Always confirm wiring details by calling the title company at a number you know is legitimate.

Beyond

Stay a trusted resource long after you have the keys.

Closing day is a milestone, not the end of our relationship. I stay in touch with useful information rather than sales pitches: homeowner reminders, trusted local contacts, and market insight whenever it is helpful to you.

What I handle

Share homeowner resources and trusted contacts
Send relevant market insight
Help with future moves or investments

What you can expect

Thoughtful touches at 30 days, 90 days, and each year
A real person to call with questions
Nothing generic or repetitive

What I may need from you

Let me know how you are settling in
Reach out anytime something comes up
Honest feedback on your experience

Timeline

A typical timeline.

Every purchase is different. These are general ranges for a financed purchase in the Denver metro area. Your executed contract sets the actual deadlines, and I will give you a personalized milestone calendar once we are under contract.

Discover and Prepare

About 1 to 2 weeks. Conversation, agreement, pre-approval, and your buying plan.

Explore

Varies widely. A few weeks to a few months, depending on your criteria and the market.

Under contract / commonly 30 to 45 days with financing; cash can be faster

Offer accepted

Your milestone calendar is created and shared. Earnest money is delivered by the contract deadline.

Inspection period

Often within the first one to two weeks. We review the report together and decide how to respond.

Title and HOA review

We review the title commitment and any HOA documents for anything that needs attention.

Appraisal

Your lender orders the appraisal. If the value comes in low, we review your options.

Loan approval

Final underwriting and loan terms. Quick responses to your lender keep things on track.

Closing Disclosure

Delivered at least three business days before closing. We review it together.

Final walkthrough

Usually within a day or two of closing, to confirm condition and agreed repairs.

Closing day

Sign, fund, and record. Then the keys are yours.

Questions

Good questions to ask.

Have one that is not here? Ask me. No question is too small when it comes to your home.

How much do I need to save?

It depends on your loan program, down payment, and closing costs. Your lender will give you exact numbers, and I will help you plan for the full picture.

What if we lose out on a home?

It happens, especially in competitive moments. We review what we learned and adjust the strategy, not just the price.

What if the inspection finds problems?

Nearly every inspection finds something. We separate real concerns from routine maintenance and decide together how to respond.

What if I need to change course?

Your contract has specific deadlines and conditions. I make sure you understand your options and their timing before each one passes.

Get started

Ready to start your search?

We begin with a relaxed conversation about your goals and timing. No pressure, just clarity.

Contact Ricardo