LOCAL REAL ESTATE
Although you can find smaller homes in the low $100,000 range and larger homes over $400,000, the median home price is $175,000.
Investors are happy to find single-family homes and duplexes perfect to rent out or fix and flip.
Total Lending Concepts, Branch Manager, Crystal Bunting has over 18 years of experience in lending so you can be confident that no matter what type of property you want to purchase, Crystal and her entire team will get you through the home loan process smoothly.
Historic Pueblo located in Southern Colorado grew from a single fort in 1842 to a booming county of over 170,000 residents.
This area is known for its incredible climate, warm sunshine, and four distinct seasons, Pueblo is perfect for outdoor lovers of all ages.
Our Total Lending Concepts office is at 387 E Enterprise Drive Suite 180, Pueblo West, CO 81007, right off US-50.
We provide mortgages for the entire Pueblo county, including:
- Pueblo West
- Canon City
In our Pueblo mortgage office, we’ve worked with a lot of borrowers over the years. Here are the main tips we give them:
- As soon as you’re considering buying, come into our office and see us, or give us a call. It’s never too early to start working with a lender to make sure all your “ducks are in a row.”
- Don’t look at homes until you have been qualified because once you make an offer, in most cases you only have 30 days to close the loan.
- Know your price range and don’t look at homes that are higher than your prequalification amount. It’s tough to downgrade the price range once you have seen homes in the more expensive market. You don’t want to be left feeling like you’re settling. When you only shop in your budget, you’ll be much happier.
- If you’re getting an FHA or VA loan, make sure the home is in good repair. Watch out for danger hazards such as exposed wiring, broken windows, and deteriorating conditions like peeling paint. Those items will need to be fixed before funding.
PUEBLO HOME LOANS
Our office offers a variety of different types of mortgages, including:
Conventional Loans – perfect for a primary residence as well as second homes, and investment properties.
FHA Loans – down payment as low as 3.5% and flexible credit guidelines for borrowers with lower credit scores.
VA Loans – veterans can take advantage of 0 down loans, low rates, and no private mortgage insurance.
USDA Loans – 0 down loans for rural areas mostly outside the city limits.
Jumbo Loans – are for larger loan amounts, mainly for luxury properties
"Crystal and her team at Total Lending Concepts are great. They work hard for you and have integrity."
"This is my second time working with Crystal Bunting, she was able to refinance my house and get me a lower rate. She is very efficient and helpful! Highly recommend her and her team!."
Stephanie DeHerrera - CDHS
"Crystal and the office staff are very helpful! Would do business with again."
"You are in excellent hands with Crystal from Total Lending Concepts. She will treat you and take care of you like one of the family. Cannot say enough good things."
"I came to Total Lending Concepts with the intent to refinance my current mortgage. From the start, Crystal Bunting was wonderful to work with. She took the time to explain all the details and over the course of several weeks, made sure I was right on time with all the documents for the upcoming closing. Both her and Stephanie Olson did a fantastic job and made me feel at ease with something I knew very little about. I knew Crystal had my best interest to heart and wasn't going to steer me into something I might regret. I would highly recommend Total Lending Concepts and Crystal Bunting. She was simply a joy to work with and made the entire process so easy."
"I had such a great experience with Crystal and the Total Lending Concepts team! They made my first time home buying experience so positive and easy! Crystal walked my through the whole process and was extremely patient. I’d recommend them to anyone who wants to buy a home -- stress free!!"
"Crystal has been so wonderful and helpful! We completed a refinance that went very smoothly. She made everything so easy for us and she was always available to answer any question we had. We highly recommend Crystal and her team.."
"We walked into Total Lending Concept with a loan that failed for an unexplainable reason. We were crushed because we were going to lose the house we were under contract on. Crystal took on our situation. She stayed late just to finish our file. She is amazing. I would HIGHLY recommend total lending concepts, especially Crystal, if you are looking for a lender for a home purchase! This is truly a company that cares."
THE PUEBLO CREW
387 E Enterprise Drive
Pueblo West, CO 81007