hours of time and might have inside tips
on houses that are fresh on the market.
Realtors can also provide advice and
tips when it comes time to make an
offer on a home.
DO YOU NEED A CPA?
Sometimes it can be a good idea to
hire a licensed certified public accountant (CPA). CPAs can provide you with
professional advice on personal finances
and other matters, including how to
adjust your finances to help you meet
your personal goals, such as buying a
house and other financial and legal needs.
CPAs can also help you with tax preparation and auditing services, and help you
develop an effective accounting system
for your personal and household needs.
Other services provided by CPAs include
advice about how your financial situation
will change based on life changes such as
marriage or divorce, retirement, college,
and more. CPAs will give you useful
advice and tips that you might not learn
about any other way.
The most important factor of choosing
a CPA is that you trust them with your
personal financial information. Make
sure that your CPA has the proper level
of experience and training, and don’t
forget that you can ask for references. For
additional information or to find a CPA,
contact the Colorado Society of Certified
Public Accountants at 303-773-2877 or
view its website at www.cocpa.org.
BANKING IN METRO DENVER
Most major banks have branches in
the metro Denver area, which is a
major financial center for the entire
Rocky Mountain region. Banks in the
area include Compass Bank, First-
Bank, KeyBank, UMB Bank Colorado,
U.S. Bank and Wells Fargo. Denver’s
17th Street in downtown Denver is
sometimes called the “Wall Street of
the Rockies,” because of the number of
major investment houses and financial
Credit unions are also popular in the
Denver metro region. Many businesses
are affiliated with a credit union.
Usually credit unions are federally regulated and not-for-profit. They are known
for their connection to the communities
in which they exist, as well as their high
standards of customer service. Ask your
employer if your company is affiliated
with a credit union.
APPLyinG FOR A
You can save time if you have the following items with you
when you visit your lender. Depending on your lender, you may
be asked for other information.
1. Social Security numbers for both you and your spouse, if
both of you are applying for the loan.
2. Copies of your checking and savings account statements
for the past six months.
3. evidence of any other assets such as bonds or stocks.
4. a recent paycheck stub detailing your earnings.
5. a list of all credit card accounts and the approximate
monthly amounts owed on each.
6. a list of account numbers and balances due on outstanding
loans, such as car loans.
7. Copies of your last two years of income tax statements.
8. the name and address of someone who can verify
What you need to know
METRO DENVER LENDER SPOTLIGHT
Cornerstone Home lending www.houseloan.com
elevations Credit union www.elevationscu.com
eng lending www.boedenver.com/teamfilipi
loan Simple www.loansimplecolorado.com
Summit Funding www.summitfunding.net