Timeline of Events
Steps to Owning a Crested Butte, CO Home with a VA Loan

STEP 1: Pre-Qualify It’s important to pre-qualify because it helps you know how much of a home you can afford. This is a step that no borrower should skip. It can help you narrow down your search for a home by eliminating the homes you can’t afford, saving you both time and money. Our Crested Butte, Colorado VA mortgage team can help you prequalify. We will ask you questions about your credit history and income and can even run a quick credit check (with your permission). We will also help you get together the documents that show that you qualify for a VA loan in Crested Butte, CO. Pre-qualifying doesn’t guarantee approval, but it gives you a good idea of what you can borrow if you are approved. It can also help you identify potential problems with your application and reduce unpleasant surprises.

STEP 2: GET PREAPPROVED A pre-approval is like pre-qualification, but it takes the process a step further. Pre-approval verifies certain things about your finances. Pay stubs, employment history, tax returns, proof of real estate holdings, and bank and investment statements will be required for this step of the loan process.

  • Bank/investment statements
  • Employment history
  • Pay stubs
  • Proof of real estate holdings
  • Tax returns/W2s

Once all your documentation has been verified, you will receive a pre-approval letter. It will show that you’ve started the process of applying for a Crested Butte VA loan and will tell how much of a loan you can afford.

STEP 3: FIND A HOME AND MAKE AN OFFER At this point, it’s time to begin your search for a Crested Butte home. You should work with a realtor to find a property that’s right for you and within your price range. Once you find the home that’s right for you, you’re ready to make an offer and work on negotiating a contract with the seller. It is essential that your real estate agent is familiar with VA loans in Crested Butte, CO  and can help you with the contract so that it works to your advantage. Once you’re under contract for a home, your loan officer will order an appraisal for the property. The VA assigns an appraiser to complete the job. Homes have to be move-in ready (with any problems fixed) before the loan closes. The VA has strict guidelines about the condition of homes purchased with a VA loan in Crested Butte, CO.

STEP 4: UNDERWRITING AND CLOSING At this point, the loan underwriter will verify your financial information and make sure that all the paperwork meets the VA’s guidelines for its loans. Once the loan is approved, you’ll set a closing date to sign the necessary paperwork and move in to your new Crested Butte home.

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If you’re looking for a personal Crested Butte VA mortgage experience you’ve come to the right place.  Get the best of both worlds with a designated VA professional plus technology.  What’s even better are the lower rates, no upfront fees and fast closings.  Rates so low the nations largest VA lenders panic when consumers find out about our Crested Butte, CO VA Mortgage Rates.

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    Crested Butte is a prominent mountain summit in the Elk Mountains range of the Rocky Mountains of North America. The 12,168-foot (3,709 m) peak is located in Gunnison National Forest, 2.1 miles (3.4 km) northeast by east (bearing 59°) of the Town of Crested Butte in Gunnison County, Colorado, United States.[1][2][3] Ski lifts and runs of the Crested Butte Mountain Resort occupy the north side of the mountain.

    The Köppen Climate Classification subtype for Crested Butte is “Dfc” which is continental subarctic. This climate type is dominated by the winter season with a long, bitterly cold period of minimal daylight hours, heavy snowfall and low humidity. The annual snowfall average is 198.4 inches (504 cm) with January recording the highest average snowfall at 40 inches (100 cm). July is the warmest month with an average temperature of 57.2 °F (14.0 °C) while January is the coldest month with an average temperature of 11.8 °F (−11.2 °C). The average temperature for the year is 34.7 °F (1.5 °C).[4]