Top Producing Denver Metro Real Estate Team
Buying With The Home Group
At The Home Group, we don’t just help you find a home—we help you secure the right home, at the right price, under the right terms. With a proven track record of success, our buyers often have their very first offer accepted—even in the most competitive markets. This is no accident. It’s the result of strategic positioning, strong relationships with listing agents, and expert negotiation that sets our team apart.
As insiders deeply connected throughout the Denver Metro area, we offer our clients exclusive access to off-market properties and pre-MLS opportunities, giving you a powerful edge in a low-inventory landscape.
From the initial search to the closing table, we advocate fiercely for your goals to ensure a seamless and successful buying experience.
With The Home Group, buying a home isn’t stressful—it’s strategic, efficient, and exciting.
As insiders deeply connected throughout the Denver Metro area, we offer our clients exclusive access to off-market properties and pre-MLS opportunities, giving you a powerful edge in a low-inventory landscape.
From the initial search to the closing table, we advocate fiercely for your goals to ensure a seamless and successful buying experience.
With The Home Group, buying a home isn’t stressful—it’s strategic, efficient, and exciting.
We don’t just open doors—we open the right ones.
Areas We Serve
Process To Buy A Home
Begin your home-buying journey with The Home Group—trusted experts committed to
making your experience smooth, informed, and successful. With a proven track record
and a client-first approach, we guide you every step of the way, ensuring you feel
confident in your decisions and supported throughout the process. From the first
showing to closing day, our goal is to make your move not only seamless, but genuinely
rewarding.
Step 1
Choose Your Agent
Select a Top-Rated Real Estate Agent
Selecting the right real estate agent is a critical decision that influences the duration of
your home search and the final price you pay. A well-connected and experienced agent
can help you find your dream home faster and negotiate a deal that leaves you
completely satisfied. A professional agent committed to exceptional customer service
can significantly improve your home-buying experience.
The Home Group takes pride in his concierge buying experience. Choose The Home Group to represent you, and they will guide you through the home-buying process with ease.
The Home Group takes pride in his concierge buying experience. Choose The Home Group to represent you, and they will guide you through the home-buying process with ease.
Step 2
Obtain Pre-approval
The Importance of Pre-Approval
Obtaining pre-approval is a crucial step in the home-buying process, providing an
accurate assessment of how much you can afford and enabling you to secure financing
for your purchase. Benefits of pre-approval include:
- Gaining a clear understanding of your financial situation
- Knowing your home affordability range
- Enhancing your purchasing power when making an offer
With a pre-approval letter in-hand, sellers will see you as a serious and prepared buyer,
giving you an advantage over other potential buyers.
The Pre-Approval Process
To get started with the pre-approval process, you will need to provide your lender with
the following documents:
Income
- Current pay stubs (last 2 months)
- W-2s or 1099s (last 2 years)
- Tax returns (last 2 years)
Assets
- Bank statements
- Investment/brokerage firm statements
- Net worth of businesses owned (if applicable)
Debts
- Credit card statements
- Loan statements
- Alimony/child support payments (if applicable)
Step 3
Home Search Begins
Your home search officially starts! Based on your budget, the Home Group will send
you several available homes that match your preferences and accompany you on home
tours to address any questions or concerns. Once you find a home you like, we'll begin
making offers and negotiating.
Step 4
Making An Offer
Various factors influence a home's market value. Jordan will provide the insight and
information you need to make a comfortable offer.
Factors that Influence the Market Value of a Home:
- Time on the market
- Price reductions
- Comparable market analysis
- Multiple offers
- Included items in the sale
- List-to-sale price ratio
- Seller's reasons for selling
- Assumable loan or financing
Once the offer is written, we'll present it to the seller's agent. The seller can then accept,
reject, or counter the offer to start the negotiation process. The Home Group will work
with you to devise a strategy ensuring the most favorable terms and acceptable pricing
for your budget.
Step 5
Enter Into Contract
After the seller accepts your offer, congratulations are in order. The Home Group will
notify you that you are now officially in contract! The loan process begins, and any
contingencies written in your contract must be met within the specified timeframe.
These contingencies include inspections, appraisals, and financing approval. While
these contingencies are in place, your initial earnest money deposit is protected. Once
they are released, it means you are satisfied with those conditions. Having a trusted
loan advisor is essential for meeting these deadlines on time.
Step 6
Submit Your Loan
After receiving your ratified contract, the lender will send a copy to an Underwriter for
review. Once you enter escrow, you will provide the Escrow Officer with any necessary
fees or terms. Your Escrow Officer will instruct you on where to submit your initial
earnest money deposit, demonstrating your commitment as a buyer. This deposit, a
percentage set within your purchase contract, contributes to your down payment. The
lender will discuss locking in your interest rate and send over disclosure forms for your
signature. Your disclosures will contain the following:
- Information about lender laws
- The terms of your loan
- Details about closing costs and prepaid items
After signing the disclosures, the lender will work with a Loan Processor to prepare your
file for submission to the Underwriter for review.
Step 7
Order An Appraisal
The lender will order your appraisal after you enter into a contract. The Home Group
can monitor and expedite your appraisal if needed. Generally, you are responsible to
pay for the appraisal regardless if you proceed with the property purchase, or not. After
the Appraiser inspects your home, they will prepare the final report and calculate the
appraised value. The final report is typically sent to you and the lender within a few days
after the inspection. We will review the appraisal with you and answer any questions
you have about the report. The appraisal and your complete loan file will be sent to the
Underwriter for review.
Step 8
Loan Underwriting
The Underwriter will analyze your financial documents and assess your loan file's
overall strength and risk. They will review your credit history, assets, income, and debt-
to-income ratios to ensure they fall within lender and investor guidelines. After
thoroughly reviewing your loan file, the Underwriter will approve or deny your
application. If approved, the lender will send a list of conditions that must be satisfied for
your loan approval. These conditions include verifying your tax filing records with the
IRS, verifying employment information, and receiving your completed appraisal. Ensure
you promptly send the requested conditions back to the lender so the Underwriter can
review and sign off.
Step 9
Signing Documents
Once the Underwriter receives your final loan conditions and completed appraisal, they
will clear your file for closing. The lender will confirm the final terms of the loan and
order your loan documents, which will be ready for you to sign. Your signing
appointment will be coordinated with either the Escrow Officer or a licensed notary.
During the last five days before closing, you will conduct a final walk-through to verify that the property is as it was when you made your offer and that any agreed-upon repairs have been completed.
Once all contingencies are met, your Escrow Officer will package your documents together. Referred to as your funding package, it is returned to your lender and assigned to a Funder for review. The Funder will sign off on any remaining conditions for the loan. Once the loan is ready to fund, the Funder will wire the final loan figures to the Escrow Officer, who will then disburse the funds to the appropriate parties.
During the last five days before closing, you will conduct a final walk-through to verify that the property is as it was when you made your offer and that any agreed-upon repairs have been completed.
Once all contingencies are met, your Escrow Officer will package your documents together. Referred to as your funding package, it is returned to your lender and assigned to a Funder for review. The Funder will sign off on any remaining conditions for the loan. Once the loan is ready to fund, the Funder will wire the final loan figures to the Escrow Officer, who will then disburse the funds to the appropriate parties.
Step 10
Receiving Your Keys
Once all documents are signed by both parties and all funds are received and
disbursed, you will be the official owner of your new home! Congratulations on your new
home!
Financing With The
Home Group
While The Home Group doesn’t offer in-house financing, we work hand-in-hand with a trusted network of top-performing local lenders who are experts in the Denver Metro market. These professionals deliver fast, responsive, and personalized service—helping you navigate the loan process with clarity and confidence.
Partnering with the right lender is more than just securing a loan—it’s about positioning your offer to win. We work closely with our lending partners to ensure they present you as a strong, well-qualified buyer—giving sellers peace of mind and giving your offer a competitive edge.
Your lender is a vital part of the trusted team we assemble on your behalf. Together, we help make your financing process smooth, secure, and aligned with your goals—so you can move forward with confidence, knowing you’ve secured a competitive loan package tailored to your needs. As Arvada natives with over 50 years of combined experience, Ryan and Brittany Heckenberg offer unmatched local knowledge and trusted real estate expertise. Their personalized approach helps clients make smart, future-focused decisions. From first homes to investment properties, they guide every step with care and confidence.
Backed by hundreds of successful transactions and a nationwide agent network, they ensure exceptional service wherever life leads. Whether buying, selling, or relocating, clients trust their market insight and results-driven strategy. With The Home Group, your real estate journey is always in expert hands.
Partnering with the right lender is more than just securing a loan—it’s about positioning your offer to win. We work closely with our lending partners to ensure they present you as a strong, well-qualified buyer—giving sellers peace of mind and giving your offer a competitive edge.
Your lender is a vital part of the trusted team we assemble on your behalf. Together, we help make your financing process smooth, secure, and aligned with your goals—so you can move forward with confidence, knowing you’ve secured a competitive loan package tailored to your needs. As Arvada natives with over 50 years of combined experience, Ryan and Brittany Heckenberg offer unmatched local knowledge and trusted real estate expertise. Their personalized approach helps clients make smart, future-focused decisions. From first homes to investment properties, they guide every step with care and confidence.
Backed by hundreds of successful transactions and a nationwide agent network, they ensure exceptional service wherever life leads. Whether buying, selling, or relocating, clients trust their market insight and results-driven strategy. With The Home Group, your real estate journey is always in expert hands.
Trusted referrals. Proven partners. Standout results.
Sold by The Home Group
With over 500 successful sales, our team delivers expert pricing, standout marketing, and top
results across Denver Metro. See how we turn listings into sold stories.
results across Denver Metro. See how we turn listings into sold stories.
Exclusive Listings
Browse exclusive Denver Metro properties handpicked by The Home Group. From dream homes
to smart investments, we offer insider access and expert guidance to help you find the perfect fit.
to smart investments, we offer insider access and expert guidance to help you find the perfect fit.
NEW LISTING
Walnut Grove
Westminister
$590,000
- 4 bed
- 2 bath
- 1812 spft
NEW LISTING
The Lakes At Dunes Park
Commerce City
$389,900
- 3 bed
- 2 bath
- 1998 spft
NEW LISTING
Highland Valley
Thomton
$499,900
- 4 bed
- 2 bath
- 1768 spft
NEW LISTING
Standley Lake
Westminister
$550,000
- 4 bed
- 3 bath
- 2499 spft
NEW LISTING
Sloan's Lake
Denver
$1,050,000
- 3 bed
- 3 bath
- 2400 spft
NEW LISTING
Vista Ridge
Erie
$750,000
- 3 bed
- 3 bath
- 3180 spft
