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Denver 2026 Buyer Game Plan

A straight-talk guide to buying a home in Denver this year—without overpaying, waiving protections, or guessing on timing.

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Thinking About Buying in Denver in the Next 12 Months?

If you’ve been doom-scrolling Zillow, watching prices bounce around, and wondering if you missed your chance to buy in Denver, you’re not alone. This free Denver Buyer Game Plan walks you through what it really takes to buy now—how much cash you need, what’s happening with price reductions and concessions, and how to write a strong offer without giving away all your protections.

 

This guide is for you if any of these sound familiar:

Is This Guide Right for You?

This guide is for you if any of these sound familiar:

  • You’re renting in Denver or the suburbs and feel like your rent keeps climbing while you’re building zero equity.
  • You’ve been “just looking” on Zillow and Redfin, but have no idea what it actually takes to buy in this market.
  • You’re worried you don’t have enough money saved for a down payment and closing costs—and you’re not sure what’s realistic.
  • You tried to buy in the last few years and got burned by bidding wars, inspection drama, or rate shocks.
  • You already own a home but want to buy again in Denver and you’re not sure how to juggle timing, financing, and contingency offers.
  • You’d love a clear, honest game plan from a local agent who will tell you what’s really going on—not just “now is the perfect time to buy!”

If that sounds like you, this guide will help you get out of “maybe someday” mode and into “here’s exactly what it would look like for me.”

What’s inside the Denver 2026 Buyer Game Plan

This isn’t a fluffy brochure. It’s a practical roadmap for buying in Denver right now, including:

Inside the guide, you will see:

  • What’s really happening in the Denver market for buyers in 2026
    Clear, plain-English context on prices, inventory, price reductions, and how long good homes are actually sitting.

  • How much cash you actually need to buy
    Real-world examples of down payments, closing costs, and common concessions so you can stop guessing and start planning.

  • How to use price reductions and seller concessions to your advantage
    When to push for credits, buydowns, repairs, or price changes—and when it makes sense to move fast.

  • Step-by-step game plan from “just thinking about it” to getting the keys
    From pre-approval to house-hunting, writing offers, inspections, appraisal, and closing—all laid out so you’re not blindsided.

  • Denver-specific landmines to watch for
    Older homes, hail roofs, inspection surprises, radon, sewer lines, HOAs, and other things that pop up here more than they should.

  • A simple checklist to figure out if you’re ready to buy in the next 12 months
    If you can check certain boxes, you’ll know it might be time to move from dreaming to doing.

You do not have to guess your way through this. You just need a clear game plan that fits your life.

How this guide helps you make a smart move

1
Clarity
So you understand what you can realistically afford and what the process looks like right now.
2
Confidence
So you know when a home is worth fighting for, when it’s time to negotiate, and when to walk away.
3
Options
So you can see different paths: buying with less down, using concessions, or timing a buy after a sale.
4
Optional Next Step
From there, you can decide if you want to keep gathering information or have me help you build a custom game plan based on your timeline, budget, and favorite neighborhoods.

Why I Created This

I am Sallie Simmons, a full-time Denver REALTOR® with Nostalgic Homes at Compass. I have lived in Denver since 2009 and have been helping buyers and sellers here since 2014.

A big part of my job is sitting at kitchen tables with people who say some version of:

“We think we are ready to buy a home, but we have no idea how to make that actually happen without it turning into a disaster.”

I created this Denver 2026 Buyer Game Plan, so you can understand your options before you get started!

The house is surrounded by green grass and trees, and there is a blue sky in the background.

My approach is simple:

* Straight talk, no scare tactics * Real numbers and realistic timelines * Your goals and comfort level come first If you read the guide and decide that staying put is the right move for now, that is still a win in my book. The goal is clarity, not pressure.

Frequently Asked Questions

Your Buyer Game Plan will download instantly after you submit the form. I’ll usually send one quick text just to make sure you got it and to see if you’d like help tailoring the plan to your situation.

That’s it—no pushy sales calls or spam campaigns. If you’re just gathering information and don’t want to talk yet, you can always say “not right now.”

No. This guide is for anyone thinking about buying a home in the Denver metro area in the next 12–18 months. That includes first-time buyers, people who need to sell and then buy again, and renters who are trying to figure out if buying even makes sense right now.

Definitely not. A lot of my buyers use 3–5% down loan options, sometimes paired with seller concessions or assistance programs. The guide walks through what different down payment scenarios can look like and how to structure an offer that works in this market.

You’re still welcome to download it. If you’re 12–24 months out, the goal is to give you a clear picture of what needs to happen between now and “we’re ready,” so you’re not scrambling later. You can use the checklist in the guide to start getting your ducks in a row on your own timeline.

Nope. The guide is completely free. If you decide later that you’d like personalized help, we can schedule a Buyer Game Plan call to walk through your numbers, neighborhoods, and timing—but that’s your call, not a requirement.

Ready To See What Your Next Move Could Look Like?

You do not have to guess your way through buying in Denver. Start with a clear, step-by-step game plan you can review privately and at your own pace.

Your information stays with me. No spam. No sharing. No pressure.

Download the Denver 2026 Buyer Game Plan

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 when things feel complicated or stressful. If you’re feeling overwhelmed by the idea of buying in Denver, you’ll get clear information, honest guidance, and zero pressure from me. My job is to help you understand your options so you can make the decision that feels right for you.

[email protected] | 662-588-2420

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