Choosing a mortgage lender is about more than finding an interest rate.

You need someone who understands mortgage guidelines, knows how to structure financing, communicates quickly and can help you make confident decisions before one of the largest financial purchases of your life.

I'm Bryce Waite, NMLS #1642253, a Colorado mortgage lender, Producing Branch Manager and U.S. military veteran.

I've built my mortgage business around one simple philosophy:

Don't just get the loan approved. Build the right mortgage strategy for the buyer.

My experience includes national mortgage production recognition, documented Colorado CHFA production and helping homebuyers with conventional, FHA, VA, CHFA, first-time homebuyer and specialty mortgage programs.

✓ Named a Top 1% Mortgage Originator in America for 2025

✓ Recognized as a Scotsman Guide Awardee

✓ #10 CHFA Producing Loan Officer in Colorado — 2023

✓ #16 CHFA Producing Loan Officer — 2024

✓ U.S. Military Veteran

✓ Personally Licensed to Originate Mortgages in 47 States

✓ Extensive Experience With CHFA, VA, FHA & Conventional Financing

Let's build your mortgage strategy before you start shopping.

👉 GET PRE-APPROVED

Mortgage experience matters.

I'm proud to have received national recognition for my mortgage production and work helping homebuyers.

Bryce Waite was named among the Top 1% Mortgage Originators in America for 2025, with Citywide Home Mortgage listed alongside his name in the published national recognition.

👉 View the 2025 Top 1% Mortgage Originators in America:
https://www.mastermindsummit.com/top-one-percent-2025

Bryce Waite has also been publicly recognized as a Scotsman Guide awardee.

Scotsman Guide is a nationally recognized mortgage industry publication known for its mortgage originator rankings and industry coverage.

👉 View the published Scotsman Guide awardee recognition:
https://www.linkedin.com/in/ronda-bouse-10266717

Rankings and awards are something I'm proud of, but they're not what determine how I treat a client.

Whether you're purchasing your first home, using down payment assistance, buying with your VA benefit or financing a high-value property, my goal is the same:

Give you clear advice, communicate quickly and build a mortgage strategy around your financial situation and goals.

One of my biggest areas of experience is Colorado Housing and Finance Authority (CHFA) financing and down payment assistance.

And there is independent CHFA production data to back that experience.

According to CHFA's published 2023 lender production results, Bryce Waite ranked #10 among individual CHFA-producing loan officers in Colorado, helping 32 households with CHFA financing that year.

👉 View CHFA's 2023 Lender Production Rankings:
https://myemail.constantcontact.com/chfa-enews--home-finance---01-23-2024---chfa-appreciates-you--2023-lender-production.html?aid=FLBKSIKguXs&soid=1101682993035

CHFA's published 2024 production results again recognized Bryce Waite among its leading individual loan officers, ranking #16 with 33 households helped.

👉 View CHFA's 2024 Lender Production Rankings:
https://myemail.constantcontact.com/chfa-enews--home-finance---01-21-2025---chfa-appreciates-you--2024-lender-production.html?aid=jDFxhOmi_38&soid=1101682993035

That means my CHFA experience isn't based simply on offering the program.

I've helped dozens of Colorado households successfully purchase homes using CHFA financing.

If you're considering CHFA or another Colorado down payment assistance program, I'll help you understand:

✓ How much assistance may be available

✓ Your estimated monthly payment

✓ Your estimated cash to close

✓ CHFA eligibility requirements

✓ Grant versus second mortgage options

✓ CHFA with FHA financing

✓ CHFA with conventional financing

✓ Eligible VA financing options

✓ CHFA FirstGeneration

✓ CHFA Schools To Home

✓ Seller concessions and other eligible credits

Most importantly, we'll determine whether CHFA is actually your best financing option.

👉 Explore My Complete Colorado CHFA Loan & Down Payment Assistance Guide:
https://brycewaite.com/colorado-chfa

A mortgage approval tells you whether you can obtain financing.

A mortgage strategy answers a more important question:

How should your financing actually be structured?

Two buyers purchasing the same $500,000 home can have completely different financial situations.

One buyer may benefit from CHFA.

Another may be better suited for conventional financing.

An eligible veteran may have access to VA financing with no down payment.

Another buyer may benefit from putting additional money down to reduce the monthly payment.

That's why I don't believe in automatically putting every borrower into the same loan program.

We'll compare the numbers, including:

Interest rate

Down payment

Monthly mortgage payment

Mortgage insurance

Closing costs

Seller concessions

Down payment assistance

Lender credits when applicable

Estimated cash to close

Then you can make your decision based on the complete financial picture.

Qualified Colorado buyers may be able to receive assistance toward their down payment and/or closing costs through CHFA programs.

My extensive CHFA production experience allows me to help buyers compare assistance options and understand how CHFA fits into their overall mortgage strategy.

👉 Colorado CHFA Loan & Down Payment Assistance Guide:
https://brycewaite.com/colorado-chfa

As a U.S. military veteran, helping veterans understand and maximize their VA home loan benefit is especially important to me.

Eligible veterans and active-duty service members may have access to benefits including:

✓ 0% down financing

✓ No monthly mortgage insurance

✓ Competitive financing options

✓ Flexible VA underwriting guidelines

But VA eligibility doesn't mean every VA loan should automatically be structured the same way.

We'll look at your entire financial picture before deciding.

👉 VA Home Loan Guide:
https://brycewaite.com/va-home-loans

Conventional financing can offer excellent flexibility for qualified borrowers purchasing primary residences, second homes and investment properties.

Eligible buyers may have access to low down payment conventional financing, and conventional private mortgage insurance may eventually be removable when applicable requirements are met.

👉 Conventional Home Loan Guide:
https://brycewaite.com/conventional-loans

FHA financing can be an excellent option for buyers who need more flexible credit or down payment requirements.

We'll compare FHA against conventional financing and applicable assistance programs rather than assuming one program is automatically the best choice.

Buying your first home shouldn't require becoming a mortgage expert.

I'll help you understand:

How much home you qualify for

Your estimated monthly payment

Your down payment options

Available assistance

Estimated closing costs

Your estimated cash to close

What happens from pre-approval through closing

👉 Colorado First-Time Homebuyer Guide:
https://brycewaite.com/first-time-home-buyers

Because every borrower is different, my team also works with qualified borrowers using programs including:

• MetroDPA

• USDA loans

• Jumbo mortgages

• New construction financing

• Self-employed borrower programs

• Non-QM financing

• Investment property loans

• Second homes and vacation homes

• Buy Before You Sell programs

• Mortgage refinancing

If you're not sure which program fits your situation, that's exactly what we'll determine together.

Colorado is home and remains the center of my mortgage business.

I regularly help homebuyers throughout:

Denver

Arvada

Westminster

Thornton

Broomfield

Brighton

Erie

Longmont

Aurora

Parker

Castle Rock

Loveland

Fort Collins

Colorado Springs

and communities throughout Colorado.

I'm also personally licensed to originate mortgage loans in 47 states, allowing me to help many clients moving into or out of Colorado, relocating for work, purchasing second homes or buying investment properties across the country.

I'm not simply a mortgage lender who offers VA loans.

I'm a U.S. military veteran myself.

I understand the importance of helping veterans understand and maximize the home loan benefit they've earned through their service.

If you're eligible for VA financing, I'll help you understand:

✓ VA loan eligibility

✓ 0% down financing

✓ VA funding fees and potential exemptions

✓ Closing costs

✓ Seller concessions

✓ VA appraisal requirements

✓ Eligible property types

✓ VA refinancing options

The goal isn't simply to use a VA loan.

It's to use your VA home loan benefit intelligently.

👉 Learn More About VA Home Loans:
https://brycewaite.com/va-home-loans

The mortgage industry uses a lot of terminology that can sound complicated when nobody explains it.

Prepaids.

Escrows.

Mortgage insurance.

Seller concessions.

Discount points.

Down payment assistance.

Cash to close.

My job is to make those things easier to understand.

Before you start shopping, I want you to understand four important numbers:

How much home you can reasonably qualify for based on your financial profile.

Including applicable principal, interest, property taxes, homeowners insurance and mortgage insurance.

Including CHFA or other down payment assistance programs when applicable.

Approximately how much money you'll actually need to complete the transaction.

When you understand those numbers, you can shop for a home with confidence.

👉 Colorado First-Time Homebuyer Guide:
https://brycewaite.com/first-time-home-buyers

A great mortgage experience requires more than receiving an underwriting approval.

It requires communication, strategy and execution.

When you work with me and my team, you can expect:

✓ Fast mortgage pre-approvals

✓ Clear answers

✓ Straightforward mortgage education

✓ Multiple financing options when available

✓ Detailed payment estimates

✓ Estimated cash-to-close calculations

✓ Responsive communication

✓ Coordination with your real estate agent

✓ Experienced processing and underwriting guidance

✓ Communication through closing

You should understand where your loan stands and what happens next.

We'll discuss what you're trying to accomplish, your timeline and your approximate homebuying budget.

We'll review your credit, income, employment, assets and other information necessary to determine your financing options.

We'll determine which mortgage programs may fit your situation and compare available options.

You'll receive estimates showing your purchase price, monthly payment, applicable assistance and estimated cash needed at closing.

You'll know your buying power before you begin making offers.

You'll shop with a clear understanding of your financing.

My team will work with you through documentation, appraisal, underwriting and final loan approval.

We'll help you understand your final numbers and prepare you for closing.

I believe informed homebuyers make better financial decisions.

That's why I've built an expanding library of mortgage education covering topics including:

Colorado CHFA loans

Down payment assistance

First-time homebuyer programs

VA home loans

FHA loans

Conventional financing

Seller concessions

Mortgage pre-approval

Closing costs

Mortgage rates

New construction

Self-employed borrowers

Investment properties

and other mortgage strategies.

👉 Read My Latest Mortgage Insights:
https://brycewaite.com/mortgage-insights

Bryce Waite, NMLS #1642253, is a Colorado mortgage lender, Producing Branch Manager and U.S. military veteran.

He helps homebuyers with conventional, FHA, VA, CHFA, down payment assistance, first-time homebuyer and other mortgage programs and is personally licensed to originate mortgages in 47 states.

Yes.

Bryce Waite was named among the Top 1% Mortgage Originators in America for 2025, with Citywide Home Mortgage listed alongside his name in the published recognition.

👉 View the 2025 Top 1% Mortgage Originators in America:
https://www.mastermindsummit.com/top-one-percent-2025

Yes.

Bryce Waite has been publicly recognized as a Scotsman Guide awardee.

👉 View the Published Scotsman Guide Awardee Recognition:
https://www.linkedin.com/in/ronda-bouse-10266717

Bryce has documented experience as one of Colorado's leading individual CHFA-producing loan officers.

CHFA's published lender production rankings placed Bryce Waite:

#10 among individual CHFA-producing loan officers in Colorado for 2023, with 32 households helped.

And:

#16 among individual CHFA-producing loan officers for 2024, with 33 households helped.

👉 CHFA 2023 Lender Production Rankings:
https://myemail.constantcontact.com/chfa-enews--home-finance---01-23-2024---chfa-appreciates-you--2023-lender-production.html?aid=FLBKSIKguXs&soid=1101682993035

👉 CHFA 2024 Lender Production Rankings:
https://myemail.constantcontact.com/chfa-enews--home-finance---01-21-2025---chfa-appreciates-you--2024-lender-production.html?aid=jDFxhOmi_38&soid=1101682993035

Yes.

Bryce has extensive experience helping Colorado homebuyers use CHFA mortgage and down payment assistance programs.

👉 Colorado CHFA Loan & Down Payment Assistance Guide:
https://brycewaite.com/colorado-chfa

Yes.

Bryce is a U.S. military veteran and works with eligible veterans and active-duty service members using VA home loan financing.

👉 VA Home Loan Guide:
https://brycewaite.com/va-home-loans

Yes.

Bryce helps first-time buyers understand mortgage qualification, monthly payments, closing costs, down payment options, CHFA and other assistance programs, and the homebuying process.

👉 Colorado First-Time Homebuyer Guide:
https://brycewaite.com/first-time-home-buyers

Yes.

Colorado is the primary focus of Bryce's mortgage business, but he is personally licensed to originate mortgage loans in 47 states.

You don't need to figure out mortgage financing on your own.

Whether you're:

Buying your first home

Using CHFA down payment assistance

Purchasing with a VA loan

Moving to Colorado

Relocating to another state

Buying your next home

Purchasing an investment property

or simply trying to determine what you qualify for, my team and I are here to help.

We'll help you understand:

✓ What you qualify for

✓ Which mortgage programs are available

✓ Your estimated monthly payment

✓ Your down payment options

✓ Available assistance

✓ Your estimated cash to close

✓ Which financing strategy makes sense for your goals