Questions people actually ask

No. Conversations, pre-approvals, and payment scenarios cost nothing and create no obligation. Loan costs only exist if you actually take a loan — and they’re disclosed clearly in your Loan Estimate first.

Dominick is based in Loveland and serves all of Northern Colorado and the Front Range — and he’s licensed in Colorado, Arizona, Florida, Michigan, Nebraska, Texas & Wyoming, so out-of-state purchases and relocations are on the table too.

Text 970-787-3110. Seriously — a text gets the fastest answer, including evenings and weekends when house decisions actually happen. Email ([email protected]) works great for documents and longer questions.

Yes — remote closings and long-distance coordination are a Romig Team specialty, and clients who’ve closed from across the country say the process felt seamless. Everything can be handled by phone, text, and Fairway’s secure app.

As little as 3% on conventional and 3.5% on FHA — and VA and USDA can be $0 down for eligible buyers. CHFA down payment assistance can help qualified Colorado buyers cover part of the cash to close, too.

Many programs work from around 620, FHA guidelines can go lower, and pricing improves as scores rise. If your score isn’t there yet, Dominick can tell you which specific moves raise it fastest.

It depends on price, down payment, rate, taxes, and insurance — which is exactly what the What’s My Payment calculator on this site estimates for free. For real numbers on a real house, text Dominick the listing.

Yes — the Colorado Housing and Finance Authority (CHFA) offers a down payment grant or a deferred second mortgage for qualified buyers, with income and purchase-price limits by county and a required homebuyer education class. Dominick can check your eligibility in about ten minutes.

Often within a day or two of applying through Fairway’s secure system, once your documents are in. If you’re about to see a house you love, tell Dominick — urgency is a thing he’s good at.

Most purchases close 30–45 days from accepted offer, and The Romig Team has closed faster when timing was critical. Weekly updates mean you always know where the file stands.

Nobody can time rates — anyone who promises otherwise is guessing. The honest framework: if the payment works for your budget today, buying starts your equity clock, and refinancing later remains an option if rates fall. If the payment doesn’t work, that’s a different conversation — and Dominick will tell you that straight, too.

Earlier than feels necessary — ideally before you tour a single home. An early conversation surfaces credit fixes, program options, and assistance programs while there’s still time to use them.