You've never done this before. Good.
- What you can actually afford, not just what you're approved for
- Wyoming down payment programs, explained
- A step-by-step plan from pre-approval to keys
Buying a home,
made simpler.
I'm Davaney Semler, a Cheyenne REALTOR® who spent six years as a mortgage lender first. I'll translate every step into plain English, so you know exactly where you stand before you sign anything.
Where are you starting?
Pick your path.
Relocating, PCSing, or sizing up.
- Honest neighborhood-by-neighborhood advice
- VA loan know-how for F.E. Warren families
- Buy-and-sell timing so you're not paying two mortgages
Sell for the right price, with no surprises.
- A pricing plan built on real local sales
- Prep lists that skip the upgrades that don't pay off
- I read buyer financing like a lender, so shaky offers get spotted early
6years on the lending side, before I ever showed a house
I know what the underwriter will ask
So we gather the right paperwork once, and your file doesn't stall two weeks before closing.
Your offer reads stronger
I can explain your financing to a listing agent in their language, which matters when there are several offers on the table.
You understand every number
Rate, points, closing costs, cash to close. I'll walk through your loan estimate line by line if you want me to.
Payment math
What would a home cost you each month?
A quick estimate to start the conversation. Your lender gives you the real numbers.
Estimated monthly payment
$0 /mo
Principal & interest$0
Taxes & insurance$0
Down payment$0
Loan amount$0
Estimate only. Doesn't include mortgage insurance, HOA dues, or program-specific fees. Want a lender-grade breakdown? That's what a Simple Start call is for.
Talk through my numbers
Myth, meet fact
What's probably not stopping you.
"You need 20% down."
Many loans start at 3–3.5% down, and VA and USDA loans can be 0% down for buyers who qualify.
"Your credit has to be perfect."
Plenty of buyers qualify with less-than-perfect credit. If yours needs work, I'll help you make a plan and a timeline.
"Assistance programs are for someone else."
Wyoming has first-time buyer and down payment help, including WCDA and Welcome Home Wyoming. I bought my own first home with only $250 out of pocket thanks to these programs.
"Talking to an agent means committing."
A Simple Start call is just a conversation. You leave with answers and a plan, whether you buy next month or in two years.
The process
How buying works with me.
Simple Start call
A free 20-minute call or sit-down. We talk goals, budget, timeline, and every question you've been too nervous to ask.
Pre-approval
I'll connect you with trusted lenders and help you compare what they offer.
Tour homes
We see homes that fit, and I point out what the listing photos leave out.
Offer
We build an offer that's strong where it counts and protects you where it should.
Inspection & appraisal
I explain what's normal, what's negotiable, and what's a deal-breaker.
Closing day
You sign, you get keys, and you know exactly what you signed.
Meet Dav
Local, lender-trained, and a mom who gets it.
I'm a Wyoming native and a proud Cheyenne Central grad. After six years as a mortgage lender, I became a REALTOR® to keep helping people through one of the biggest decisions they'll make. I teach as we go, so you understand each step instead of just signing where you're told.
Off the clock, I'm reading a good book, hunting for the best coffee in town, or staying active like I did in my athlete days. At home it's my husband, our two daughters, and two dogs, so I know what it takes to juggle family, work, and a move.
Cheyenne native6 years mortgage lendingBowers Carlson TeamColdwell Banker
Free access
The First-Time Homebuyer Hub
Way more than a guide. The Hub is a fully interactive home base for your first purchase, built from six years of answering buyers' questions as a lender.
WCDA & Welcome Home WyomingCredit & DTI, explainedStep-by-step process