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How to Buy a Home in Denver With Less Money Out of Pocket Than You Think

Most buyers think they need 20% down That’s not true There are programs right now that can significantly reduce what you need upfront depending on your situation

This is where I come in

Instead of guessing or going down the wrong path
I help you understand exactly what your options look like based on your situation in coordination with some of Denver's best lenders that specialize in these programs.

No pressure | No commitment | Just clarity

Check out this video and this blog to learn more.

Here’s what most people don’t realize

Instead of guessing or going down the wrong path
I help you understand exactly what your options look like based on your situation in coordination with some of Denver's best lenders that specialize in these programs.

No pressure | No commitment | Just clarity

Check out this video and this blog to learn more.

Common Questions (And Straight Answers)

No. Most buyers don’t put 20% down. There are loan options and assistance programs that can significantly reduce what you need upfront depending on your situation.

In some cases, yes — but it depends on your qualifications, loan type, and what programs are available at the time. That’s why it’s important to look at your specific situation instead of guessing.

That’s exactly what this is for. Once we have a few basic details, I can help you understand what options are realistic for you right now.

No. Talking through your options and mapping out a plan does not impact your credit. If you decide to move forward with a lender later, they’ll walk you through that step.

No. This is just a conversation to help you understand your options. No pressure, no commitment.

Yes. In fact, this is the best time to understand what you’d need so you’re not guessing later.

That depends on your income, credit, and goals. Once we go through your numbers with a lender, we can give you a much clearer picture.

Still have questions?

Let’s map out what this looks like for you.

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About Sallie Simmons

Licensed REALTOR® | Compass

I’ve lived in Denver since 2009 and worked full-time in real estate since 2014. I’m known for being straightforward, data-driven, and fiercely protective of my clients—especially during big life transitions. My background in psychology and community development allows me to navigate the high-stakes emotions of a divorce sale while keeping the focus on your financial bottom line.

[email protected] | (662) 588-2420

Address: 200 Columbine St, Denver, CO 80206

Website: salliesimmons.com

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Work With Sallie

With over a decade of experience in the Denver metro, Sallie has built her business on referrals, local expertise, and trusted relationships. Backed by Compass, she combines national resources with a personalized, community-focused approach. Ready to buy, sell, or explore your options? Let's connect.

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