# Blue Pebble Homes > Colorado real estate brokerage and mortgage brokerage under one roof. Blue Pebble Homes (real estate) and Blue Pebble Loans (mortgage; Vanna Lending, LLC dba Blue Pebble Loans, NMLS #2447767, licensed in CO, CA, NM, FL, & TX). Serving the Denver metro area — Denver, Aurora, Lakewood, Thornton, Westminster, Arvada — plus Colorado Springs, Pueblo, and communities statewide. Phone (720) 526-2583. ## Start here - [Home](https://www.bluepebblehomes.com/): One integrated team for buying, selling, and financing a Colorado home. - [Contact](https://www.bluepebblehomes.com/contact): Phone (720) 526-2583, email, office at 2000 S. Colorado Blvd, Tower 1, Suite 2000, Denver, CO 80222, plus buyer/seller FAQs. - [Our Mission](https://www.bluepebblehomes.com/mission): Why the brokerage + lender model saves clients money and removes conflicts of interest. - [Our People](https://www.bluepebblehomes.com/our-people): The licensed agents and loan officers behind Blue Pebble. ## For real estate agents Blue Pebble's offer to agents at any brokerage is the Blue Pebble Certified™ Homeownership Advocate program: training on the loan side of a purchase, a public pledge, a directory listing, and access to advocate pricing for their clients. $199/month, month to month, no contract; agents sit in on a live session before deciding: group coaching on Tuesday, or a workshop on real client files on Friday. Members can also book Blue Pebble's trained virtual assistants by the hour for CRM builds, custom GoHighLevel work, video editing, post scheduling and admin, with no packages. It is not a brokerage affiliation, a referral arrangement, or a commission-split offer, and agents keep their brokerage and their clients. - [Certified Homeownership Advocate](https://www.bluepebblehomes.com/certified-homeownership-advocate): What the credential is, what advocates do and do not do, and how buyers verify one. - [Sit in on a session](https://www.bluepebblehomes.com/lp/affordability-partner-agents): Book a live training session; enrol after. - [Certified advocates](https://www.bluepebblehomes.com/our-people): The directory, with the Blue Pebble Certified™ badge on every advocate in good standing. - [The Homeownership Advocate Pledge](https://www.bluepebblehomes.com/homeownership-advocate-pledge): The public pledge every advocate signs. ## Buy a home - [Buy a Home](https://www.bluepebblehomes.com/buy): How buyers work with Blue Pebble in Colorado. - [Buyer Quiz](https://www.bluepebblehomes.com/buyer-quiz): Match to the right buying path in a few questions. - [First-Time Buyer Down Payment Assistance Guide](https://www.bluepebblehomes.com/blog/colorado-first-time-homebuyer-programs-down-payment-assistance-2026): CHFA, NeighborhoodLIFT, and CHAC grants up to $25,000. - [Mortgage Pre-Approval Guide](https://www.bluepebblehomes.com/blog/colorado-mortgage-pre-approval-guide-2026): What pre-approval requires and how long it takes in Colorado. - [How to Negotiate a Home Purchase](https://www.bluepebblehomes.com/blog/how-to-negotiate-home-purchase-colorado-2026): Price cuts, rate buydowns, and closing-cost credits in the 2026 market. ## Sell a home - [Sell a Home / Seller Quiz](https://www.bluepebblehomes.com/seller-quiz): Get a selling plan for your Colorado home. - [Cash Offer](https://www.bluepebblehomes.com/cash-offer): Fast, as-is cash sale option for Colorado homeowners. - [What Repairs to Make Before Selling](https://www.bluepebblehomes.com/blog/what-repairs-before-selling-colorado-home-2026): Which fixes pay off and which to skip. ## Mortgage & financing - [Mortgage Solutions](https://www.bluepebblehomes.com/mortgage-quiz): Blue Pebble Loans — pre-approval in 24 hours, no application fee. - [Mortgage Calculator](https://www.bluepebblehomes.com/real-estate-resource/mortgage-calculator): Estimate a Colorado monthly payment. - [Rate Calculator](https://www.bluepebblehomes.com/real-estate-resource/rate-calculator): Compare rate scenarios. - [Understanding Mortgage Points](https://www.bluepebblehomes.com/blog/understanding-mortgage-points-colorado-homebuyers-2026): What points and buydowns cost and when they pay off. ## Answers Short pages that answer one question directly. Every figure is arithmetic on the stated inputs, computed by the same formula behind our payment calculator; none of it is a quote. - [How much does a 2-1 buydown cost in Colorado?](https://www.bluepebblehomes.com/answers/2-1-buydown-cost-colorado): About $11,380 on a $500,000 loan at 6.5% over 30 years, deposited into escrow at closing and usually funded by the seller as a concession. Worked figures by loan size, who pays, and what happens to unused escrow on an early payoff. - [How much does a 3-2-1 buydown cost?](https://www.bluepebblehomes.com/answers/3-2-1-buydown-cost-colorado): About $22,361 on a $500,000 loan at 6.5%, roughly twice a 2-1. Also explains why it does not help you qualify: lenders underwrite at the note rate, not the bought-down rate. - [2-1 buydown or buying points?](https://www.bluepebblehomes.com/answers/buydown-vs-points-colorado): A buydown is escrowed money that ends; points change the note rate permanently. The temporary one wins if you sell or refinance early, the permanent one if you hold. The break-even threshold by holding period, without inventing a points-to-rate ratio. - [What will my mortgage payment actually be?](https://www.bluepebblehomes.com/answers/colorado-mortgage-payment-breakdown): Principal and interest on a $625,000 Colorado home at 6.5% with 20% down is $3,160 a month; the full payment with tax and insurance is about $3,560. Component-by-component breakdown of the $400 most calculators omit. - [What income do you need for a $500,000 house?](https://www.bluepebblehomes.com/answers/income-needed-for-a-500k-house-colorado): About $76,754 a year at a 45% debt-to-income ratio with no other debt, on 20% down at 6.5%. A full matrix by ratio and by existing monthly debt, because other debt moves the answer more than the rate does. - [PMI vs MIP](https://www.bluepebblehomes.com/answers/pmi-vs-mip): PMI is private, priced on your credit, and designed to end at enough equity. FHA's MIP is priced the same for everyone and, with less than 10% down, lasts the life of the loan — refinancing is the way out, not equity. - [How much are closing costs in Colorado?](https://www.bluepebblehomes.com/answers/colorado-closing-costs): Budget about 3% of the purchase price, roughly $15,000 on a $500,000 home, separate from the down payment. The four situational adjustments that move it. - [What deadlines are in a Colorado purchase contract?](https://www.bluepebblehomes.com/answers/colorado-contract-deadlines): The Loan Objection, Appraisal, Inspection Termination and Title deadlines, plus the Closing Date. What right each one ends, and why the dates are negotiated per contract rather than fixed by law. - [How much does a 2-1 buydown cost in Colorado?](https://www.bluepebblehomes.com/answers/2-1-buydown-cost-colorado): About $11,380 on a $500,000 loan at 6.5% over 30 years, deposited into escrow at closing and usually funded by the seller as a concession. Worked figures by loan size, who pays, how it compares to a permanent buydown, and what happens to the unused escrow if the loan is paid off early. ## Resources - [Real Estate Resources](https://www.bluepebblehomes.com/real-estate-resources): Calculators and guides hub. - [Blog](https://www.bluepebblehomes.com/blog): Straight, question-first answers on buying, selling, and borrowing in Colorado. ## Disclosures - [Regulatory Disclosures](https://www.bluepebblehomes.com/blue-pebble-disclosures) - [Affiliated Business Disclosure](https://www.bluepebblehomes.com/bpg-abd) - [Privacy Policy](https://www.bluepebblehomes.com/privacy-policy)