Wyatt Home Loans is a top Castle Rock, Colorado based mortgage broker and direct home loan lender, offering FHA, USDA, VA, and Jumbo loan programs for first time home buyers, investors, veterans, seniors and even those with bad credit. We are a leading provider of reverse mortgages in Colorado as well as offering cash out refinancing options in Castle Rock, Denver, Colorado Springs, Fort Collins, Pueblo, Boulder and throughout the state of Colorado.

As a locally operated branch of Fairway Independent Mortgage Company, we are able to offer flexible home loan programs and funding capabilities that are second-to-none. In fact, Fairway was among the top 10 lenders by loan volume for both USDA and FHA mortgages, according to 2020 Home Mortgage Disclosure Act data.

We are committed to providing every client with the personal attention and custom home loan options they deserve. Based in Castle Rock, CO- our team of mortgage professionals are ready to guide you through the mortgage process every step of the way.


FHA Loans. VA Loans. USDA Loans. Cash Out Refinance. Reverse Mortgages. Jumbo Loans.

Home Loan Programs

Wyatt Home Loans is a top Castle Rock mortgage broker and direct home loan lender. Our home loan programs and mortgages provide comprehensive options for Colorado home buyers and real estate investors alike. Whether you are a first time home buyer, veteran, or a seasoned investor, we will guide you through the entire home loan process from application to closing. 

Reverse mortgages are available for home owners 62 years of age or older than own their home outright, or have substantial equity in their primary residence. A Colorado reverse mortgage may be the perfect option for those seeking to supplement retirement income and add monthly cash flow all while staying in their home. As an FHA-approved lender, we can offer Home Equity Conversion Mortgages (HECM), which are the only federally insured reverse mortgage options available. 

We realize buying your first home is a big step, and we’re here to guide you along the way. Our mortgage loan officers will find out if you qualify for an FHA or VA loan, as well as any possible down payment assistance. If you are just starting your journey to home ownership, our home loan officers can help you get everything in order for a smooth application process and pre-approval. Our cash guaranty program allows you to place an all cash offer, and we even offer credit counseling and credit repair services to help you get the best mortgage rates and terms possible. 

Jumbo loans are available in Colorado for situations where the amount of the mortgage or home loan exceeds loan limits set by Fannie Mae and Freddie Mac (currently $647,200). Jumbo loan rates have reached historic lows in recent years and can be the perfect option for those looking to buy a high-end or luxury property in Colorado. Generally speaking, borrowers must have very good credit, with a FICO score around/above 740 to qualify. There are also established guidelines for income and debt-to-income ratios which can be discussed with your loan officer. 

VA home loans are a 0% down mortgage option for Veterans, Service Members and select military spouses in Colorado and throughout the United States. VA backed home loans can be an easy way to finance your next home, with no down payment requirement, no minimum credit score, and no limit to how much you can borrow compared to income. VA loans allow the borrower to include some of the closing costs into the total loan amount, as well as fees. VA loans can help you get into the house of your dreams right away, with minimal out-of-pocket costs. 

FHA loans are flexible home loan programs for borrowers that may have higher debt-to-income ratios and those with lower credit scores. FHA home loans are a type of  government-backed mortgage with down payment requirements as low as 3.5% in Colorado. Borrowers with bad credit as low as 500 (FICO) may qualify with a minimum of 10% down. Borrowers must display a history of steady income and current employment. As part of Fairway Independent  Mortgage Company, we are a TOP 10 lender by volume for FHA loans in the United States. 

For homebuyers in rural areas, USDA home loans are one of the last $0 down, 100% financing options available. USDA-guaranteed mortgages offer more lenient eligibility requirements and lower costs both upfront and long term when compared to FHA home loans. Homes in many small towns and suburbs in Colorado fall under the USDA’s definition of “rural,” including many properties in Douglas County. We are a leading providing of USDA home loans and mortgages, and a TOP 10 lender by volume in 2020 (Fairway Independent Mortgage).


Mortgage Pre-Approval Colorado

In such a competitive housing market, we understand the need for our clients to bring the best deal possible to the table when competing for a home. The combination of a Fairway Cash Guarantee and Fairway Advantage Pre-Approval* will give you the buying power you need to COMPETE WITH CASH! In fact, Fairway is so confident that we will buy the seller’s home if we cannot close for a financing reason by the contracted date.


  • Seller will receive a CASH GUARANTEE.
  • Buyer can COMPETE with CASH OFFERS.
  • Borrower does NOT have to pay any additional fees to use this program.
  • If the guarantee is triggered, the seller may opt for Fairway to NOT buy their home, and instead walk away from the deal with $10,000 paid by Fairway, and the contract terminated.


  • Borrowers must have a Fairway Advantage Pre-Approval.
  • Borrowers must be financing with FHA, VA, or Conventional loan.
  • Borrower must be purchasing a single-family residence.

* Fairway Advantage Pre-Approval is based on a full review of borrower’s creditworthiness and is contingent upon there being no material changes in the borrower’s financial condition or creditworthiness at the time of final loan approval. Final loan approval is subject to the following conditions: (1) borrower has identified a suitable property, and a valid appraisal supports the proposed loan amount; (2) a valid title insurance binder has been issued; and (3) borrower selects a mortgage program and locks in an interest rate that will support the pre-approved monthly payment amount. Loan must close before the expiration date provided in the pre-approval. Loan must close before the expiration date provided in the pre-approval. Offer not available on DPA programs, bond, high balance/super conforming, jumbo, or USDA loans. Please note that submitting verifying documentation is not a requirement to receive an estimate of closing costs associated with a mortgage loan. Sale of home proceeds contingency not allowed. Gifts not deposited are not allowed. 

Note: If the seller opts to have Fairway purchase their home, Fairway will pay the appraised value or the contract price, whichever is lower. Some condo’s may be acceptable under this program too, ask your loan officer for more details.


Wyatt Home Loans is a division of Fairway Independent Mortgage Corporation. Based in Castle Rock, CO, we provide comprehensive mortgage options to borrowers throughout the state of Colorado including:


Colorado Springs


Fort Collins





Highlands Ranch




Become a preferred REALTOR PARTNER now!

Wyatt Home Loans is home to a full team of seasoned loan officers and real estate marketing professionals. We offer our preferred Realtor partners access to our full suite of real estate marketing services including interior/exterior real estate photography, aerial photography/drone videography, video production and more. Get maximum exposure for your real estate brokerage and home loan options for your clients that are second-to-none!

Aerial Photography Castle Rock


We pride ourselves on being the best Castle Rock mortgage lender/broker, committed to providing unrivaled service throughout the state of Colorado. We have built the best team of home loan advisors, mortgage brokers, loan processors and real estate marketing professionals to serve both home buyers and Realtors alike. Our personal approach to the mortgage and home buying process allows our clients to experience a level of service that is unheard of in the home loan industry. We are Colorado residents committed to providing Colorado home buyers with the personal attention and service they deserve. As a locally owned and operated branch of Fairway Independent Mortgage Corporation, we possess an intimate knowledge of the local real estate markets we serve, all while being to offer the most comprehensive home loan and mortgage products available in the market!

Elizabeth Wyatt Mortgage Broker Castle Rock

Elizabeth Wyatt

branch manager,
nmls #451570

Elizabeth Wyatt is passionate about conducting her business and personal life with unwavering honesty, character and integrity. Boasting over 15-years of industry lending experience, Elizabeth understands the importance of closing on time, every time. In addition to being a loan officer, she manages operations for four branches from Aurora and Parker, CO, Boise, ID, and Ft. Myers, FL. Elizabeth has partnered with some of the top Realtors, Insurance Agents, Attorneys, Financial Planners, Estate planners, Commercial Lenders, Home Contractors, and other businesses in the community to ensure that her clients can shop with confidence and find a trusted advisor in any industry. 

Director of Real Estate Marketing

Nicholas fitch

Director of Marketing/realtor relations

Nicholas is a graduate of California State University, Fullerton and brings with him over 20-years of Internet marketing expertise. As an industry expert in financial services and real estate marketing, he is able to provide our Realtor partners with award winning photography, video production, aerial photography/videography, SEO, and social media management/content creation to increase referrals, sales, and exposure. Nicholas currently resides in Castle Rock, CO and is an active member of the Castle Rock Chamber of Commerce and also provides photography and video production services for The Town of Castle Rock and various local non-profits. 

Contact Us

Wyatt Home loans is a Castle Rock, CO based full service mortgage lender, offering home buyers access to a wide variety of home loan and mortgage programs custom tailored to their individual needs.  


115 Wilcox St, Ste #309
Castle Rock, CO 80104
Ph: +1-303-775-2928

Best Castle Rock Mortgage Lender

home loan Client Reviews

"My refinance went as smooth as possible, Elizabeth is always in contact and keeps everything on schedule, I couldn’t ask for A better loan officer!"

Loan Status: Closed Oct 2018
Loan Type: Refinance
Interest Rate: As expected
Closed on time: Yes
Fees/Closing costs: Lower than expected

Loan Products: 30-Year Fixed Rate Mortgage, FHA Loan, First Time Home Buyer
"Elizabeth is amazing! She not only helped me purchase my house but also helped me with refinancing 6 months later. As a first time home buyer, I was as lost as one can be, and had tons of questions. Elizabeth made sure to address all of my questions and concerns. If there was something she didn’t know the answer to, she made sure to find it and get back to me. Without going into too much detail, my situation was extremely unique and required a specific type of mortgage. Elizabeth was extremely knowledgeable and worked with me to make it happen. I highly recommend her services."

Loan Status: Closed May 2017
Loan Type:: Purchase
Interest Rate: As expected
Closed on time: Yes
Fees/Closing costs:: Lower than expected
"Elizabeth completed my loan with no issues. She was detail oriented, prompt at returning emails/phone calls, and knew her stuff! I would highly recommend her!"

Loan Status: Closed Jan 2020
Loan Type: Purchase
Interest Rate: As expected
Closed on time: Yes
Fees/Closing costs: Lower than expected.

Loan Products: 30-year Fixed Rate Loan