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Select a Real Estate Agent

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This is the most important step when it comes to buying a home. You need someone who is knowledgeable about the area, local policies and government, and costs of potential remodel costs and most importantly someone who can negotiate to get you the best price and terms when buying a home.

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A lot of people have hesitation when speaking to a lender. Getting a lender on board sooner than later is only going to help you. A good lender will not only help you determine a price and walk you through what your payments will look like, they can also help structure loan incentives that we might be able to leverage when submitting offers. Making sure you get fully pre-approved will help you avoid any possible hiccups later on down the road when you go under contract. 

Financial Pre-Approval

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This is when we sit down and discuss the process, answer questions, and hone in on your search to include the best possible properties out there. By the end of the Consultation, you should have a clear understanding of the home-buying process, home search criteria, and necessary paperwork we will need to use. 

Buyer Consultation

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Once you start receiving properties, it is important to keep everyone informed about your favorite properties. If there is a good kitchen or bathroom, make sure to point it out. If there is anything that jumps out as a 10/10, make sure to notify us as soon as possible. Speed in getting to the property could be important.

Select Properties

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Our goal is to show you the best of the best in houses. If there is something worth seeing and it fits your search criteria, let's go see it! We will coordinate with the seller and your schedule and get a showing on the calendar. If it's not perfect, we will discuss the pros and cons and keep searching. 

View Properties

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When you find the right property, let's write an offer. You have several options when writing the terms including several dates and deadlines for inspections, lending, and title purposes. The Colorado Contract to Buy and Sell favors the buyer in most circumstances. As long as we stick to the contract and the deadlines we set up, the home-buying process should be a smooth process.

Write an Offer to Purchase

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So much of what Realtors do is negotiate the transaction. I am there to work for you and your best interests at all times. The best time to get what you want is when making the offer. We will discuss different tactics and strategies once we find the right house. 

Negotiate Terms

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Once all parties have signed the Contract or Counterproposal, we are officially under contract. The dates typically take 30 days from going under contract. Depending on the loan and how things were structured, we might be able to close earlier or later depending on the situation. 

Contract Accepted

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You will need to deposit an Earnest Money Check to the Title Company within a few days of going under contract. We will receive a receipt upon deposit and will forward it to all parties when it is received.

Earnest Money 

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The title company will do a search on the property to make sure there are no liens on the property, HOA covenants/bylaws, or extra owners unaccounted for.

Conduct Title Search

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You will have the right to bring in your own 3rd party inspector. They will spend a few hours in the property and the inspector will give you an Inspection Report at the end. It will be up to you and the Contract if you submit an Inspection Objection (Request for the seller to make repairs). The Seller will have a few days to review the Objection and will respond with the Inspection Resolution.

Conduct Inspections

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 If you are planning on using a loan, there is a high likelihood that there will be an appraisal. An appraiser is the one who determines the final assessment of the property value. As long as both real estate agents did their jobs correctly when going under contract, there shouldn't be any major issues. If there is an issue, we will have the ability to negotiate with the other party. 

Obtain Mortgage Financing

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Your file will go through the lender's underwriting department. No matter how much information and documentation you provided in the beginning of the process, just know underwriting will be coming with questions. As long as you got your information to the lender. 

Obtain Funds for Closing 

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By the Contract, the Seller has the right to pick their own title company unless we state otherwise. We will need to sign all documents on the day of closing at the title company. Until we have final notice from the lender, keep the closing date as a floating date. Once it's locked down, clear your schedule so we can sign some paperwork and celebrate!

Close on the Property  

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Sometimes we can negotiate the seller have a few extra days in the property after closing. If that is the case, you will get keys to the property and become a temporary landlord while the seller moves out. We can negotiate terms and conditions of the lease-back when writing the offer. 

Take Possession of Home

We are experts in the in Denver Metro and Front Range areas, and the surrounding communities. Our team knows the streets almost as well as the firemen and our GPS. With this local knowledge, we will:

  • Get you acquainted with every neighborhood in your price range
  • Help you eliminate the areas you are not as fond of
  • Focus on the areas you like, even down to the street
  • Help you understand the local market conditions, active inventory, and what’s sold most recently
  • Get you in to see potential homes as soon as possible
  • Record a video tour of the house if you’re unable to attend

Why Mike Bruce

Extensive Local Knowledge

Our expert negotiation strategies have helped hundreds of buyers buy their home at the best possible price. Over four fifths of our buyer transactions are multiple offers, and we’re proud of our over 80% success rate representing clients in multiple offers. Our team will:

  • Advise you on how to write a strong, compelling offer
  • Strategize when competing with multiple offers
  • Separate your offer from everyone else’s
  • Ensure your offer is presented as soon as possible
  • Get you your home at the best possible price

Expert Negotiation

Who you choose to represent you is incredibly crucial in our competitive market. We are proud not only of our reputation among our clients, but our relationships with our colleagues which translates to our clients getting the home they want.

  • Maintain a small clientele in order to provide the very best service
  • Treat colleagues as colleagues, not competition
  • Our clients know they are receiving the best possible attention and service
  • On average, our clients see less than ten homes before purchasing (in the last year, four even bought the first home they saw!)

Reputation

What to Expect

Initial Phone Consultation 

Prior to your first appointment, we suggest scheduling a complimentary 15 minute phone consultation. During this call, Mike will briefly discuss what you are looking for, your current situation, and any other questions or concerns you may have. We are happy to help make an initial determination on what your dollar can buy so you can be as realistic as possible. If you are obtaining financing, we will also discuss your options so you will be prepared and feel confident in your lenders even prior to meeting with us in person. To schedule an initial phone call, please contact us.

First Meeting

We understand that purchasing a home is a major life event and a very personal process, so our first meeting is designed to be as comprehensive and educational as possible. We will answer all of your questions and determine if we are the right fit for you. This initial meeting time can range from 90 minutes to up to 2 hours.

During the meeting, the following topics will be discussed:

  • What is most important to you
  • Neighborhoods/areas of interest
  • The home buying process
  • Strategies for successful negotiation
  • Current market conditions and what your dollar will buy
  • How to mitigate any inevitable bumps that may pop up
  • How we work, and how a real estate professional is compensated
  • The expectations of both parties will also be discussed, as well as fiduciary responsibilities and how our clients formalize their relationship with an agreement designating us as their Realtor. By the end of the meeting, it should be clear whether or not both parties are a good fit for each other.

Buyer Resources 

Client Testimonials

We were living in Michigan and had to find a realtor that would be willing to go above and beyond to help locate a home in Colorado. Mike was extremely helpful and took several video tours of homes in our price range and desired locations. The best part of working with Mike Bruce is that he never tried to steer us away from our budget or our requirements for a home. I would highly recommend Mike Bruce for your home buying or selling needs.

Bob Chase

would highly recommend Mike Bruce to anyone looking for a realtor. Before working with him I dreaded the thought of dealing with another realtor to buy or sell a home. He took, what would normally be, the long stressful experience of selling a house, and made it simple and painless for me. He had my house sold for more than I expected in under a week. Along the way he made himself available to answer my questions any time of day, even a few times when I would text him late in the evening. 

JD WALKER

I had a great experience with Mike, he was on top of any issue that came up during the process, was quick to respond, and helped ensure a smooth, easy close by remaining in constant contact with the lender, title, selling agent, and anyone else involved in the transaction. I would highly recommend him for any real estate transaction.

Jason Neary 

Client Testimonials

Looking for a home in today's extremely competitive housing market can be super stressful. However, the real estate expertise and patience of Mike and his Team helped us navigate this process and made it so much easier. They are knowledgeable, responsive and great to work with. They also have a way of staying calm and collected through any potential unexpected situations or surprises, while maintaining professionalism throughout. When looking to buy or sell a home, we highly recommend Bruce Homes Colorado!

Julie Revesz

Mike and his team made buying our house as easy as possible. We were buying from out of state and they were always willing to show us homes using video chat and were quick to respond to our many questions about the current market. Mike and his team are very knowledgeable about the ins and outs of the current market and what it takes to currently purchase a home. I am so happy we chose to work with the Bruce Homes Team.

The Innocenti Family

Mike Bruce and his team were nothing but fantastic to work with! The market was extremely competitive for our price range and ideal locations, so I was skeptical we even had a chance. Bruce Homes not only got us into our first home for a very competitive price with only $10K over asking, but they also negotiated an offer that beat out 3 much bigger offers. Mike and the team were extremely responsive and easy to work with. Mike Bruce is the best realtor in the metro-Denver area!

Norris Golberg

Client Testimonials

Mike is the most amazing realtor. He is so good at his job and takes it very seriously. He also happens to be hilarious and very well dressed. Mike has helped us find an amazing home - he was patient, helped us understand what would work well for us and what we may need differently. He answered all of our questions and made the home buying experience much more enjoyable. He also helped us sell our first home, which was a process. He made sure we understood each step of the way and had our back completely. We would HIGHLY recommend Mike Bruce and his team!

Sharon Oliver

Mike helped our family sell our home and made the process as smooth as possible. He laid out each proposal for us on one sheet so that we could choose the best offer. He was also very quick to get us in contact with roofers and HVAC experts when needed. We really felt like he had our backs. 

Mike and his team also helped us buy our first home. We ended up going with a new build, so that process ended up being pretty straight forward. It still helped having one of them by our side though during it all!

Jake and Jordan Lutonsky

Mike did a fantastic job helping me with the sale of my house, and the purchase of my new house! He was very responsive, and was always happy to answer my questions throughout both processes. He was very honest, and made sure we understood our options on all potential houses we were looking at. He was also very prompt when I asked to go look at houses, which is essential in such a hot market! I would recommend Mike to everyone!

Lisa Emmerman

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A Fresh Approach

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Contact Mike

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Interested in Working Together? Let's Talk

MOBILE: 720-771-0495

OFFICE: 720-588-3199

Mike Bruce

Bruce Homes Colorado 

EMAIL: Mike@BruceHomesCo.com

License #Lic: 100046853