You don’t need a bank to buy a home in Colorado.

No. We work with buyers who file taxes with an ITIN. What we need is current government-issued ID and income documentation we can verify.

Owning property in the United States doesn’t require citizenship or residency. We don’t ask about your status because it isn’t part of our decision — we look at your ID, your income, and whether the payment fits. If you have questions about how this affects your immigration situation, talk to an immigration attorney before you sign.

Yes, at some point in the process. But it isn’t what decides. A low score from medical debt or a thin credit file doesn’t disqualify you. What weighs most is whether you’ve paid rent on time and whether the new payment fits your budget.

It depends on the home and on your situation. We don’t publish a figure because it would be made up — every house is different. In the first conversation we give you the exact number for the home you’re interested in.

Yes. Everyone on the loan goes through the same income review, and everyone is equally responsible for the payment. Combining two incomes is often what makes the numbers work.

No. We work with you in Spanish from start to finish. One thing to be clear about: the legal documents signed in Colorado are in English. Before closing we go through every document with you in Spanish, and you have every right to bring your own translator or your own attorney. We recommend it.

Current ID for each buyer, proof of income for the last two years, the last two or three bank statements, and proof of the money you have for the down payment. If you’re self-employed, bank statements and tax returns count for more than a pay stub.

It depends on how fast you gather your documents and whether there’s an available home that fits. We won’t promise you a date we don’t control. The part that’s in your hands is the paperwork, and it’s what usually slows people down.

Either one. We work two ways: seller financing, where the home is yours from closing, or a lease purchase, where you move in first and buy later. Which one fits depends on the house and on your situation. We work that out together in the first conversation.

We work statewide, with most homes along the Front Range — the Denver metro, Colorado Springs, Pueblo, and Greeley. If you’re looking elsewhere, ask us; inventory changes constantly.

You do, like any owner. In most cases those amounts are collected with your monthly payment and held in escrow to be paid when they come due, so a property tax bill doesn’t hit you all at once in January. The figure we quote you already includes them.

Yes. It’s your house, and you don’t need our permission to paint, replace flooring, or fix what breaks. For structural work or anything requiring city permits, tell us first — there’s a lien on the property and your insurance policy needs to reflect the work.

Yes. It’s your house, so you can sell whenever you want. At the sale, the balance of your loan with us is paid out of the proceeds, the same as a bank mortgage would be. Whatever is left above that balance is yours. That’s real equity.

Yes. We don’t charge a prepayment penalty, so you’re free to refinance as soon as you can. Whether a bank approves you depends on that bank and on your finances at the time — that isn’t something we can predict or promise.

Tell us before the due date, not after. If a medical emergency hit or you lost work, there’s far more we can do when we hear about it early. That said, be clear: this is a real mortgage. If the delinquency continues, foreclosure can begin just as it would with a bank, and you could lose the home and the money you’ve put in. The exact timelines are written in your note, and we go through them with you before you sign.

Your home does not depend on us existing. Your payments go to a licensed servicing company, not to a personal account of ours. If the loan were sold or Patrimonio closed, your loan would transfer to another holder on exactly the same terms. Nobody can change your payment or your rate partway through.