How The Lakes at Centerra Helps Get Buyers Home Faster in Loveland, CO

Buying a new home is one of the biggest decisions a family will ever make, especially because settling into a new home also means settling into a new neighborhood. If you’re looking for a home with a vibrant community, The Lakes at Centerra has introduced collections from a carefully selected group of quality builders.

Located in the middle of picturesque natural areas, premiere shopping, entertainment, healthcare and employment opportunities, The Lakes at Centerra brings together every part of your multifaceted life. Life is different here, offering families who are looking to settle in before the holidays easy ways to find the perfect new home.

Model Home Tours Open Daily

The Lakes at Centerra features a wide range of home designs from five innovative home builders (TRI Pointe Homes, Boulder Creek Neighborhoods, Landmark Homes, Village Homes and Wonderland Homes). Allowing you to get a glimpse of the new homes for sale in Loveland, 9 of our beautifully decorated model homes are open daily for your convenience. Visit us to take a tour. Our hours include:

 

If you’re looking to make the leap sooner, our builders at The Lakes at Centerra offer showcase homes that are already under construction and close to completion. After touring and picking one to call home, these quick move-in options will get you settled in a shorter timeframe, allowing you to start living the life you’ve always dreamt.

 

Ease of Financing

The Lakes at Centerra is here to help you make the smoothest transition possible so that you can make your dream home a reality. The first step to home financing is to do a quick self-analysis early in the process.

• Are my credit card reports accurate, up-to-date and correct?
• What information will I need to gather to apply to finance my new home?
• What can I afford in the way of a mortgage?
• What are my loan options?
• Where do I learn more about, and ultimately shop for, a mortgage?

Once you’ve gone through these questions, start to organize yourself by creating a personal file with your credit information, documentation of income, employment, bank accounts and IRS filings. After your important documents have been organized, it’s time to start researching different types of loans.

• FHA Loans: If you’re working with minimal cash for a down payment or your credit history has a few blemishes, a federal government-backed loan is most likely your best choice. FHA (Federal Housing Administration) loans allow down payments as low as 3.5% along with generous credit underwriting.
• Conventional Loans: If you have more than 10% or 20% to put down, these may be your best bet. Be aware that conventional underwriting rules are stricter, and banks may impose add-on fees to loans, increasing your cost. Down payments below 10% may be possible but they require high private mortgage insurance premiums.
• VA Loans: For military veterans a VA loan can be a great option, as they don’t require a down payment. Note that you must be a veteran to qualify.

If you have questions about the process of buying new homes for sale in Ft. Collins or Loveland or are ready to take a tour of the many model homes at The Lakes at Centerra, get started by visiting us or checking out our New Home Buyer Resources.