Buying Real Estate

Things to Consider when Purchasing Real Estate.

Start by checking your credit score. The higher your score, the better the interest rate on your mortgage will be. Technically, you don’t always have to put any money down when financing a home today, but if you can’t afford to put at least 10% down, you may want to reconsider buying. Be prepared for closing cost such as appraisal fees, attorney fees, title insurance, property transfer taxes, and inspection fees, which can add up to be about 5% of the mortgage amount.

Loan Originator

Irina Shamaev

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started.

First Option is a full service mortgage bank, lending in 42 states and Washington D.C. We treat our customers just like we treat our employees – like family.

Irina Shamaev
Loan Originator
First Option Mortgage, LLC
303-803-1918 Direct
303-731-9933 Cell
303-803-1901 Fax


Explore your credit options.

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available.


Once you’ve aligned your finances and have decided investing in a home is possible, determine how much you can afford to spend and stick to that limit.


If you’ve found the right one, make your bid quickly. There may not be much room to negotiate or drive the price down, as you’ll likely be facing competing offers. If the seller accepts your offer, you will enter contract before closing, and the deal will be contingent upon you securing a loan with your lender, getting the home inspected, and doing a walk-through inspection 24 hours before closing.


Start off by determining your general needs — where you want to live, how many bedrooms and bathrooms you need, and certain school zones you’re trying to be in. Don’t be fooled by photos.


You want to make sure the home meets your basic requirements before putting in an offer. Don’t just put in an offer because you’re emotionally drained and desperate to finish the process. Expect to miss out on a few homes before you find the one.

Expert Help

Even if you can afford the monthly payment, be aware of hidden costs. Buying a home means property taxes, insurance, and maintenance fees that can add hundreds of dollars per month. Communicating with your agent, and making sure they understand your needs, can pay large dividends in the long run.