Colorado First-Time Buyers May Qualify for Up to $25K in Assistance. See Disclosures.

  • Home
  • Why Work With Bryce Waite
  • Loan Programs
    • Colorado CHFA
    • MetroDPA Colorado
    • VA Home Loans
    • First-Time Home Buyers
    • Conventional Loans
    • Non-QM Loans
    • FHA Home Loans
    • Jumbo Loans in Colorado
    • Buy With Less Money Down
    • Colorado DPA
  • HOW TO BUY A HOME
    • How to Buy a Home in 2026
    • No Money Down Home Buying
    • After Pre-Approval
    • Mortgage Pre-Approval
  • Buyer Resources
    • How Much Can I Afford
    • Down Payment Requirements
    • Closing Costs
    • Credit Score Myths
    • Finding the Right Realtor
    • Colorado VA Loans
    • CHFA vs MetroDPA Colorado
    • Mortgage Reviews
  • Mortgage Insights
  • More
    • Home
    • Why Work With Bryce Waite
    • Loan Programs
      • Colorado CHFA
      • MetroDPA Colorado
      • VA Home Loans
      • First-Time Home Buyers
      • Conventional Loans
      • Non-QM Loans
      • FHA Home Loans
      • Jumbo Loans in Colorado
      • Buy With Less Money Down
      • Colorado DPA
    • HOW TO BUY A HOME
      • How to Buy a Home in 2026
      • No Money Down Home Buying
      • After Pre-Approval
      • Mortgage Pre-Approval
    • Buyer Resources
      • How Much Can I Afford
      • Down Payment Requirements
      • Closing Costs
      • Credit Score Myths
      • Finding the Right Realtor
      • Colorado VA Loans
      • CHFA vs MetroDPA Colorado
      • Mortgage Reviews
    • Mortgage Insights
  • Home
  • Why Work With Bryce Waite
  • Loan Programs
    • Colorado CHFA
    • MetroDPA Colorado
    • VA Home Loans
    • First-Time Home Buyers
    • Conventional Loans
    • Non-QM Loans
    • FHA Home Loans
    • Jumbo Loans in Colorado
    • Buy With Less Money Down
    • Colorado DPA
  • HOW TO BUY A HOME
    • How to Buy a Home in 2026
    • No Money Down Home Buying
    • After Pre-Approval
    • Mortgage Pre-Approval
  • Buyer Resources
    • How Much Can I Afford
    • Down Payment Requirements
    • Closing Costs
    • Credit Score Myths
    • Finding the Right Realtor
    • Colorado VA Loans
    • CHFA vs MetroDPA Colorado
    • Mortgage Reviews
  • Mortgage Insights

Mortgage Strategy That Helps You Win

Mortgage Strategy That Helps You WinMortgage Strategy That Helps You WinMortgage Strategy That Helps You Win

 VA, FHA, CHFA and conventional financing with clear answers, fast communication and a loan strategy built around you. 


GET PREAPPROVED

U.S. Military Veteran • Licensed in 47 States

Mortgage Strategy That Helps You Win

Mortgage Strategy That Helps You WinMortgage Strategy That Helps You WinMortgage Strategy That Helps You Win

 VA, FHA, CHFA and conventional financing with clear answers, fast communication and a loan strategy built around you. 


GET PREAPPROVED

U.S. Military Veteran • Licensed in 47 States

About Bryce

A Mortgage Strategy Expert — Not Just a Lender

 Bryce Waite is a multi-state mortgage loan officer and U.S. military veteran known for helping buyers win in competitive markets through smart loan strategy—not just rates. Specializing in VA loans, FHA loans, Colorado CHFA programs, and first-time homebuyer solutions, Bryce helps clients secure homes with less money out of pocket and a clear plan from start to finish. 

Helping You Buy Smart — Not Just Get Approved

 

Most lenders focus on getting you approved. Bryce focuses on structuring your loan the right way.

From negotiating seller concessions to leveraging down payment assistance programs like CHFA, every loan is built to reduce your upfront costs and set you up for long-term success. Whether you're a first-time buyer, using a VA loan, or purchasing your next home, Bryce creates a strategy tailored to your situation—not a one-size-fits-all approach.

Clear Communication. Fast Closings. No Guesswork.

 

You’ll never wonder where you stand. Bryce is known for consistent communication, fast response times, and smooth closings—often in as little as 2–3 weeks. when timelines allow.

He works closely with real estate agents, underwriters, and clients to keep everything moving forward efficiently—avoiding delays and solving problems before they become issues.

What Clients Are Saying

 “We used a CHFA program and Bryce helped us get into a home with very little out of pocket. He explained everything clearly and made the process stress-free.”
⭐⭐⭐⭐⭐ 

 “Bryce made the VA loan process incredibly smooth. We were able to buy our home with no money down, and he walked us through every step. Highly recommend if you're a veteran.”
⭐⭐⭐⭐⭐ 


 “Trusted by veterans, first-time buyers, and families across Colorado.” 

 Read All 200+ 5-Star Reviews 


 “Bryce’s communication is next level. As first-time buyers, we had a lot of questions and he made sure we understood all our options. The process was fast and smooth.”
⭐⭐⭐⭐⭐

Loan Programs & Services

VA Home Loans

Colorado CHFA & Grant Programs

First-Time Buyer Programs

Zero-down options, no lender fee, and fast closings for veterans and active-duty service members. "See disclosures"

First-Time Buyer Programs

Colorado CHFA & Grant Programs

First-Time Buyer Programs

Down-payment assistance, low-down FHA options, and grants designed to make buying your first home easier.

Colorado CHFA & Grant Programs

Colorado CHFA & Grant Programs

Colorado CHFA & Grant Programs

Access up to $25,000 in assistance. Perfect for Colorado home buyers needing help with down payment or closing costs.

Conventional Loans

Non-QM & Investment loans

Colorado CHFA & Grant Programs

Strong rates, no mortgage insurance options, and flexible programs for qualified buyers

Jumbo Mortgage Solutions

Non-QM & Investment loans

Non-QM & Investment loans

High-balance loans with competitive pricing and fast underwriting for luxury or high-cost homes.

Non-QM & Investment loans

Non-QM & Investment loans

Non-QM & Investment loans

Bank-statement loans, DSCR loans, and flexible options for investors and self-employed buyers

Refinance Options

Refinancing your home should be simple, fast, and stress-free.  Whether you are lowering your interest rate, reducing your monthly payment, removing mortgage insurance, or accessing equity for upgrades or investments, Bryce delivers a smooth refinance experience with competitive mortgage rates and a proven multi state track record.


Refinance Programs Offered:

  • VA IRRRL (VA Streamline)-Lower your payment with no appraisal in most cases.
  • FHA Streamline-Fast approvals, reduced documentation, easy process.
  • Conventional Rate-Term Refinance-Lower your rate or shorten your term.
  • Cash-Out Refinance-Access equity for renovations, debt  consolidation or investments.
  • Jumbo Refinance-Competitive options for high-balance homes.
  • Investment Property Refinance-DSCR, bank-statement loans and equity-based options.
  • USDA & Specialty Loan Refinances-Tailored solutions for rural and unique lending needs.


Why Homeowners Refinance with Bryce:

  • Fast approvals & smooth process
  • Clear communication from start to finish
  • Access to most major loan program
  • Multi state lending with broad state coverage
  • Veteran focused mortgage professional with no pressure guidance


Refinancing is one of the smartest financial moves many homeowners can make. Bryce helps you compare options, understand your numbers, and choose the refinance strategy that maximizes your savings and long-term benefit. See Disclosures


 Bryce Waite helps Colorado homebuyers navigate CHFA loans, VA loans, FHA financing, first-time homebuyer programs, and down payment assistance with a personalized and education-focused approach. 

Why Homebuyers Trust Bryce

Top 1% Mortgage Originator

Top Colorado CHFA Loan Producer

No Lender Fee for VA Buyers

  Named among the Top 1% Mortgage Originators in America for 2025. 

No Lender Fee for VA Buyers

Top Colorado CHFA Loan Producer

No Lender Fee for VA Buyers

  Veteran helping homebuyers, including fellow veterans, understand their mortgage options and VA benefits. 

Top Colorado CHFA Loan Producer

Top Colorado CHFA Loan Producer

Top Colorado CHFA Loan Producer

 Ranked #10 among individual CHFA producing loan officers in Colorado for 2023.  Ranked #16 among individual CHFA producing loan officers for 2024, helping 33 households. 

Licensed in 47 States

Real Communication Throughout the Process

Top Colorado CHFA Loan Producer

 Colorado based mortgage expertise with the ability to help homebuyers across most of the country. 

Real Communication Throughout the Process

Real Communication Throughout the Process

Real Communication Throughout the Process

 Buyers and agents stay informed with proactive updates from contract to closing. 

Personalized Mortgage Strategies

Real Communication Throughout the Process

Real Communication Throughout the Process

 Loan options tailored around your goals, budget, and long-term plans. 

Contact Us

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Get in Touch

Bryce Waite, NMLS #1642253

Producing Partnership Branch Manager

teambryce@citywidehm.com, 720-704-2427

Guaranteed Rate, Inc. D/B/A Citywide Home Mortgage, NMLS #2611

Equal Housing Lender. For more licensing information, please visit

https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611

12001 Tejon St. Unit 128, Office C, Westminster, CO 80234


Citywide Home Loans

12001 North Tejon Street West #128, Westminster, CO 80234, USA

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