How Do I Buy a House?

How Do I Buy a House?


If you want to buy a house in the next year, be sure to put first things first. Get your finances in order, find a home, and close. It’s always fun to see Colorado homes for sale online and to casually drop into an Open House. But you might be disappointed if that home sells before you get enough money saved. Who knows what houses will be for sale next year when you are ready to buy!


You will be happy to know that homes for sale in Southeastern Colorado come with modest prices. You might begin shopping homes in Lamar, for example, by driving around the neighborhoods. Do you want to be in town, near a school or park? Do you want a property for sale with acreage? Try to decide on a few preferable neighborhoods.


Getting Your Finances Ready to Buy a House


In buying a home, you’re making an important investment. Many first-time buyers experience dismay as they learn exactly how much cash they need. Wishful thoughts of finding their dream homes dissipate quickly. And practical realities start taking hold. Buyers often have “wants” and dreams. Be prepared to modify those dreams after finding out how much cash will be needed to acquire a home in Colorado or elsewhere.

Traditionally, buyers save 20 percent of the purchase price of a home to use for a down payment. Now lenders may entice you with a lower down payment. That can be a problem if the economy changes. You might find yourself underwater, not being able to sell the home for the amount you still owe. So, the larger the down payment, the better.


In summation, you will need cash on hand for several purposes, including:

  • A down payment or a larger down payment
  • A home inspection
  • Closing costs
  • Furniture and appliances
  • Moving


Getting Approved for a Home Mortgage


Visit lenders and ask for the best, most comfortable home loan options for you. As a rule of thumb, the more money you put down, the better deal you will find in a mortgage. In addition, you’ll end up paying much less interest over the life of the loan. Decide which mortgage package works better for you, get an approved price range, and ask for a pre-approval letter.


Use a Reputable Realtor


Collaborate with a real estate agent after interviewing experts in the area. A reputable Realtor provides invaluable assistance through the homebuying journey. Your Realtor will scope out home listings to fit your goals. In addition, these professionals network. They often know of homes that will be coming onto the market in the future. They help you make purchase offers and negotiate. When it’s time for closing, after signing on many dotted lines, your real estate agent will make certain you’ve received everything you anticipate in the transaction.


Real Estate Companies in Southeast Colorado


Cruikshank Realty is located at 20 S. Main Street, Lamar, CO 81052. We are here to help you through the steps to buy a home. Call the real estate professionals at Cruikshank Realty (719) 336-7802.


The latest from Cruikshank Realty

by Kathy Flippin 8 July 2026
Buying farm or ranch land in Southeast Colorado is about more than finding the right number of acres. It is about understanding the land, the water, the access, the improvements, and the long-term purpose behind the purchase. Whether you are looking for a working cattle ranch, productive farm ground, recreational acreage, or a rural home with room to grow, the right guidance can make all the difference. Southeast Colorado offers a unique mix of agricultural opportunity, wide-open space, small-town communities, and long-term land ownership potential. Buyers are often drawn to this region because of its ranching history, farming roots, affordability compared to many mountain and Front Range markets, and the ability to own land that can serve a real purpose. But before buying land in Prowers County, Bent County, Kiowa County, Otero County, or the surrounding area, there are several important factors to review. One of the first things to consider is water. Water access, wells, irrigation rights, stock water, ponds, and ditches can all affect the value and usability of agricultural land. A property may look perfect from the road, but the water situation can determine whether it works for cattle, crops, horses, wildlife, or future improvements. Buyers should ask detailed questions and review available documentation before making an offer. Access is another major issue. Some rural properties have direct county road frontage, while others may rely on easements or private roads. Legal and physical access are not always the same thing. Before purchasing farm or ranch land, buyers should understand how they will enter the property, who maintains the roads, and whether access works year-round. Fencing and improvements should also be evaluated carefully. Good perimeter fencing, cross-fencing, barns, corrals, loafing sheds, grain storage, shops, and working pens can add real value. On the other hand, older improvements may require repairs or replacement. A local land broker can help you determine whether the existing improvements match the asking price and your intended use. Soil quality, grazing capacity, crop history, conservation programs, leases, mineral rights, and utility availability are also important. Some buyers are looking for dryland farm ground. Others want pasture, hunting land, or a mixed-use property. The more clearly you understand your goals, the easier it becomes to identify the right property. For buyers moving from town to country, it is also important to think about lifestyle. Rural properties may come with longer drives, private wells, septic systems, livestock responsibilities, equipment needs, and different expectations than city homes. That is part of the appeal for many buyers, but it should be understood before closing. Cruikshank Realty, Inc. works with buyers and sellers who understand that land is not just a transaction. It can be a business decision, a family legacy, a lifestyle choice, or an investment in the future. When buying farm or ranch land in Southeast Colorado and the high plains, local knowledge matters. A broker who understands agriculture, rural property, valuations, and the local market can help you ask the right questions before you buy. If you are searching for farmland, ranch land, acreage, or rural property in Southeast Colorado, start with a clear plan. Know your goals, study the property details, and work with professionals who understand the land. The right property can serve your family, your operation, and your future for years to come.
9 March 2026
In the southeastern corner of Colorado, Prowers County homes offer residents a special brand of adventure, history, and down-to-earth fun. True, others see Colorado as towering mountains and bustling ski towns. But daytrips and wide open properties in Prowers County do warm our hearts. You, too, can enjoy the rural lifestyle. Whether you’re a local on a daytrip or planning to visit, here’s a friendly guide to some favorite things to do within 100 miles of Prowers County, Colorado. Experience the Outdoors Buy a property in Prowers County and you’ll see how open skies and wide landscapes of southeastern Colorado provide endless opportunities to connect with nature. Found just northwest of Prowers County, the John Martin Reservoir State Park brims with options for fishing, boating, and birdwatching. It’s alive with a diverse bird collection. Binoculars will help anyone distinguish bald eagles, pelicans, and herons in the distance. We hike along expansive trails and often stop to enjoy a family picnic. Others come to set up camp in tranquility under the stars. Anyone who prefers an even quieter escape can head to Two Buttes Reservoir State Wildlife Area. You’ll get there in less than an hour south from Lamar properties. Lamar serves as a hub and the seat of Prowers County. Two Buttes, a hidden gem, invites visitors to come see wildlife, fish for bass and catfish, and to simply savor the peace of the prairie. Imagine a perfect spot to disconnect and soak up the serenity of the plains. Diving into History Right here in Southeastern Colorado, you’ll come to understand some fascinating history. We’re smack dab in the center of the USA and experienced the move in the 1800s to the western frontier. For example, just outside Las Animas, the Boggsville Historic Site teaches interested parties about Colorado’s pioneer days. How? Boggsville has stories about Kit Carson and other notable figures. Take self-guided and guided tours of restored buildings from the 1860s. Walking through this preserved settlement, everyone gets a real sense of what frontier life was like. Not far away, the Sand Creek Massacre National Historic Site is a place of reflection and learning. Located northeast of Prowers County, this site commemorates a tragic chapter in American history and provides a respectful space to understand the impact of the 1864 event on the Cheyenne and Arapaho people. Interpretive trails and visitor programs offer an educational experience that resonates with all ages. Festivals and Local Flavor Residents of Prowers County homes and neighboring communities take pride in their agricultural roots. Nowhere is this clearer than at the many local festivals and fairs. A summer highlight, the Prowers County Fair in Lamar features rodeos, livestock shows, live music, and plenty of delicious food. The fantastic community spirit and hospitality that’s unique to this region flourishes at the fair. For a quirky side, check out the annual Southeast Colorado Cowboy Gathering. This event celebrates cowboy poetry, storytelling, and music, capturing the humor and rugged charm of Colorado’s ranching culture. Whether you’re a lifelong cowboy or a city slicker, you’ll find yourself laughing along and learning a thing or two about life on the range. Hidden Treasures and Family Fun Daytrips traveling with kids and looking for some offbeat fun? Try the Big Timbers Museum in Lamar. Just look for the real caboose and other historic vehicles outside. The museum’s exhibits span from local history and pioneer artifacts to a touching memorial dedicated to veterans. Don’t miss the opportunity to drive along a stretch of the historic Santa Fe Trail. The scenic trail passes through Prowers County. Kids love stopping at the interpretive signs and taking photos of the views. It’s an ideal way to learn about the journeys of traders and settlers who once traversed this storied route. Nature’s Spectacle: Prairie Sunsets Finally, one of the simplest yet most awe-inspiring pleasures in this region: the sunset. Find a quiet country road or open field, and watch as the sky blazes with oranges, pinks, and purples. With less pollution, stargazing holds up as a favorite adventure. Bring a blanket and let the wonders of the universe unfold overhead. Whether you’re seeking adventure, history, or just a friendly place to unwind, the area within 100 miles of Prowers County has something for everyone. Pack your sense of curiosity and discover the special joys of southeastern Colorado! Searching Prowers County Homes for Sale Is it time to discover adventure, history, and the local charm of Colorado's Southeastern plains? Call (719) 336-7802 and find out more about land and homes in the region. The Realtors and Brokers at Cruikshank Realty, Inc. would love to welcome you. Schedule an appointment or come see us at 20 S. Main Street, Lamar, CO 81052.
by Vincent Gearhart 15 January 2026
Are property auctions on your horizon? If you’ve listed your house but feel stuck waiting for a buyer in a slow market, you’re not alone. High interest rates and sluggish demand can make it feel impossible to get out from under your property and get on with your life. But you don’t have to let the current housing climate stall your plans for retirement, a new job, or for moving closer to family. A Faster Path: Selling Homes at Property Auctions In southeastern Colorado, Realtors at Cruikshank Realty offer an alternative to the traditional home-selling process. The Lamar company includes experienced auctioneers. Rather than waiting weeks or months for the right buyer, ask an auctioneer to give you a set sale date and attract competitive bids. This method allows you to move forward faster. The approach can be especially appealing if you want to springboard into new opportunities without delay. Five Moves to Get Out of the Mud 1. Consider an Auction Sale An auction is a proactive way to sell your property quickly, especially in a slow market. Auctioneers can evaluate your situation and guide you through the process, helping you achieve a fair price and a swift closing. 2. Price Realistically and Competitively Work with local experts to set a price that matches current market conditions. Being realistic helps attract serious buyers, even when the market is slow. 3. Enhance Curb Appeal Make your home stand out by improving landscaping, repainting, and ensuring everything looks inviting. First impressions matter, and a fresh-looking home can generate more interest. 4. Market Aggressively Use every tool at your disposal: online listings, social media, open houses, and even local ads. The more exposure your property gets, the sooner you’ll find the right buyer or bidder. 5. Stay Flexible Be open to negotiation and willing to consider different terms, such as flexible closing dates or including appliances. Flexibility can help overcome buyer hesitations and speed up the process. Don’t Let Market Conditions Stall Your Plans Time is money. There’s a good chance you’ll benefit from a property auction. Whether you’re ready to retire, start a new job, or just want to move closer to your loved ones, there are ways to prevent a slow market from holding you back. Auctions, expert guidance, and a proactive selling strategy can help you sell your home quickly and be done with it—so you can focus on your next chapter. Contact the Auctioneers at Cruikshank Realty, Inc. If you’re considering selling your property in southeastern Colorado, reach out to Cruikshank Realty Auctioneers for an honest evaluation and personalized advice. They can help you understand your options and provide a springboard to the future, whatever it might be. Call Cruikshank Realty in Lamar, Colorado today at (719) 336-7802 .