Firestone · Median Home Value $520,000

Buying a Firestone Home? Your Financing Strategy Matters More Than Your Offer Price.

With a median home value of $520,000, Firestone rewards buyers who lead with financing certainty. Bobby Friel is a licensed mortgage broker who structures your loan to win, close on time, and save you money.

42 Five-Star Reviews

Build Your Buying Strategy Check Your Affordability

🔒No Credit Impact for Pre-Approval✅FHA 3.5% Down · VA 0% Down · Conventional 5% Down🏦Multiple Lenders Compete for Your Loan⚡Pre-Approval in 24 Hours💰Bobby Finds Your Best Rate🏠Licensed Mortgage Broker + Real Estate Agent

Real Stories

Firestone Buyers Who Won With the Right Financing

🎖️THE VA BUYER

Daniel served at Fort Collins and was transitioning to civilian life in the Northern Front Range. Bobby got him pre-approved with a VA loan at 0% down on a $510K home in St. Vrain Ranch. No cash out of pocket for the down payment, monthly payment below his civilian housing budget. Building equity from day one.

🎖️ VA 0% down🏠 St. Vrain Ranch💳 Below budget✅ Building equity

💑THE YOUNG COUPLE

Ethan and Maria, both 28, were combining incomes for their first home. Together they qualified for more than either could alone. Bobby ran them through an FHA loan at 3.5% down on a $520K home in Firestone. Down payment: $18,200 from their combined savings. Their mortgage is $400 more than their Longmont apartment — but they own it.

💵 3.5% FHA ($18,200)🏠 First home together💰 Combined income✅ Building equity

Build Your Buying Strategy

These are illustrative examples based on typical Firestone scenarios. Actual terms depend on credit, income, and market conditions.

"Most buyers think the offer price wins the house. It doesn't. The certainty of your financing wins the house. When a listing agent sees a pre-approval from a broker who also holds a real estate license, they know the financing has been evaluated by someone who understands both sides."

Bobby Friel

CO Home Equity · Founder

Affordability Guide

What Can You Actually Afford in Firestone?

Neighborhood	Median Price	5% Down	10% Down	20% Down	Est. Monthly
Firestone Proper	$520K	$26,000	$52,000	$104,000	$3,120–$3,510
St. Vrain Ranch	$580K	$29,000	$58,000	$116,000	$3,480–$3,910
Saddleback	$490K	$24,500	$49,000	$98,000	$2,940–$3,310

Monthly payments estimated at current rates including taxes and insurance. Your actual payment depends on credit score, loan type, and property taxes for your specific address.

Check Your Exact Affordability Build Your Buying Strategy

Loan Programs

Firestone Loan Programs — Which Fits Your Situation?

🏠

Conventional

5% down · Best rates at 740+

5% minimum down. Best rates for 740+ credit. No mortgage insurance at 20% down. Ideal for Firestone buyers with strong credit and savings.

🏛️

FHA

3.5% down · 580+ credit

3.5% down with 580+ credit. More flexible DTI limits (up to 50%). Ideal for first-time Firestone buyers who want to get in with minimal cash.

🎖️

VA (Veterans)

0% down · No MI

0% down for eligible veterans and active military. No mortgage insurance. The strongest loan program available if you qualify.

💎

Jumbo

Above conforming limit

For Firestone homes above the conforming loan limit. Bobby matches you with jumbo lenders who understand Colorado’s market.

Avoid These Pitfalls

5 Mistakes Firestone Buyers Make With Their Financing

Going to one bank for pre-approval

One bank, one rate, one set of terms. Bobby runs your profile across our entire lending network. Multiple lenders compete. The difference on a Firestone mortgage can be $150+/month — that’s $54,000 over 30 years.

Getting pre-qualified instead of pre-approved

Pre-qualification is a guess. Pre-approval is verified — income, assets, credit all confirmed. In Firestone’s market, sellers and listing agents know the difference. A pre-approval letter from a broker carries weight that a pre-qualification doesn’t.

Thinking you need 20% down

The average Colorado first-time buyer puts down 6–8%. FHA allows 3.5%. VA allows 0%. Don’t wait 5 years to save 20% while Firestone home values climb every year.

Not getting pre-approved BEFORE looking at homes

Your agent shows you homes at $650K. You fall in love. Then you find out you qualify for $575K. The heartbreak is avoidable — get pre-approved first, then look.

Not considering a HELOC on your current home for the down payment

If you already own a home, a HELOC can fund the down payment on your next home — letting you buy before you sell. No bridge loan. No contingent offer.

Build Your Buying Strategy

The Process

How Bobby Gets You Into the Right Firestone Home

🏠Tell Me What You’re Looking For

Fill out a short form with your basics — timeline, budget range, areas you’re interested in. I review everything personally.

📊I Build Your Buying Power Profile

Before our first conversation, I’ve already run your pre-approval numbers. I know what you qualify for, what your monthly payment looks like at different price points, and which loan type fits your situation.

🗺️Strategy Call — Not a Sales Pitch

A 15–30 minute video call where I walk you through your real buying power. Not just “you’re pre-approved for $X” — but what that means in practice across neighborhoods.

🏦I Match You With the Right Lender

One application. I run your profile across our lending network and bring you the best rate and terms. You never call a bank.

🔑One Team Through Closing

From pre-approval to keys in hand — mortgage coordinated with your real estate agent, insurance reviewed through our partner. No miscommunication between three separate professionals.

Your New Firestone Home Needs Proper Coverage Before Closing

Proof of homeowners insurance is required before any mortgage closes. Through Direct Insurance Services, we compare 30+ carriers so you're covered and not overpaying before your closing date.

Get Your Free Insurance Review →