Timeline of Events
Steps to Owning a Kremmling, 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 Kremmling, 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 Kremmling, 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 Kremmling 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 Kremmling 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 Kremmling, 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 Kremmling, 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 Kremmling home.

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    The Town of Kremmling is a Statutory Town in Grand County, Colorado, United States. The town population was 1444 at the 2010 United States Census. The town sits along the upper Colorado River in the lower arid section of Middle Park between Byers Canyon and Gore Canyon. The town was founded in 1881 during the Colorado Silver Boom days, but the lack of mineral resources in the nearby mountains made the town grow very slowly in the early days.

    The settlement started with only a general store, run by a man named Rudolph “Kare” Kremmling, built on the north side of Muddy Creek. In 1881, two brothers, Aaron and John Kinsey, made part of their ranch into a town and called it Kinsey City. Kare moved his store across the river to the new site and soon people were calling this place Kremmling. The original post office was called Kinsey City and ran from 1881 to 1885, with Kare Kremmling the first postmaster. The name Kremmling was not officially recognized until 1895. After the Moffat railroad—the Denver, Northwestern & Pacific Railway—arrived in July 1906, Kremmling became the county’s central shipping point. It was incorporated May 14, 1904. In the 20th century, ranching became the main industry in the valley in the vicinity of the town. In 1906, Kasper Schuler built the first brick building in town. The Schuler bottling works occupied the first floor, while the Schuler House, a boarding house run by Miss Kienholz, occupied the second. In 1933, the building became the Hotel Eastin.