MortGage Broker Castle Rock, CO
Local Castle Rock Mortgage Lender
Wyatt Home Loans is a top local mortgage broker and home loan lender in Castle Rock, CO. Our headquarters are conveniently located in the heart of Downtown Castle Rock. We live, work, and play in Castle Rock and are able to provide intimate knowledge of local neighborhoods, school districts and investment opportunities within the town. We have strategic relationships with the best Castle Rock real estate agents and aim to be your partner in finding your next home or investment property in the safest small town in Colorado!
Castle Rock, CO has experienced tremendous growth over the last 10-years, but is still one of the safest and cleanest cities/towns in Colorado. In fact, Money magazine placed Castle Rock, CO # 28 on it’s 50 Best Places to Live in 2021-2022.
The vibrant Downtown area features luxury condos, world class dining and shopping, and some of Colorado’s best breweries. No matter which neighborhood you live in, exciting entertainment and shopping are only few miles away.
Castle Rock, CO Mortgage Programs
Our Castle Rock home loan programs and mortgages provide comprehensive options for home buyers and real estate investors alike. We provide options for first time home buyers, veterans, and seasoned investors. Our team will guide you through the entire home loan process from application to closing and can connect you with the top real estate agents in Castle Rock!
CASTLE ROCK REVERSE MORTGAGES
Reverse mortgages in Castle Rock 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 Castle Rock 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.
CASTLE ROCK FIRST TIME HOME BUYERS
Buying your first home in Castle Rock is a big step, and we’re here to guide you along the way. Our local 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.
CASTLE ROCK JUMBO HOME LOANS
Jumbo loans in Castle Rock exist 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 Castle Rock, CO. Borrowers must demonstrate 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 local loan officer.
VA HOME LOANS CASTLE ROCK
As of 2021, there were an estimated 4,231 veterans living in Castle Rock, CO, many of which may be eligible for VA home loan benefits. VA home loans are a 0% down mortgage option for Veterans, Service Members and select military spouses in Castle Rock 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.
CASTLE ROCK FHA LOANS
Castle Rock FHA loans are a flexible home loan program for home buyers that may have higher debt-to-income ratios and lower credit scores. FHA home loans are a type of government-backed mortgage with down payment requirements as low as 3.5%. Home buyers 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.
USDA HOME LOANS IN CASTLE ROCK
There are many areas immediately surrounding Castle Rock that may qualify for a USDA home loan. In rural areas of Douglas County, 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. 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).
MAKE A CASH OFFER!
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.
FAIRWAY CASH GUARANTEE ADVANTAGES:
- 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 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
WYATT HOME LOANS TEAM
We pride ourselves on being the best Castle Rock mortgage broker/lender, 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 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 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.