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Bryce Waite Mortgage Lender

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United States
Denver, CO
Bryce Waite Mortgage Lender

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NMLS # 1642253

Call/text me at 720-704-2427

10/26/2026

🏡 The lowest mortgage rate doesn't always mean you've found the best mortgage lender.

Here's something most homebuyers don't realize...

Two buyers can offer the exact same price on a home, but the strength of their financing and communication from their lender can make a difference. 👀

The right mortgage lender does more than quote rates. They help you:

✅ Make stronger, more competitive offers
✅ Explore VA, FHA, conventional, and CHFA options
✅ Understand your true costs
✅ Navigate potential financing challenges
✅ Get to the closing table with confidence

I just published a new blog explaining how to choose the best mortgage lender in Colorado in 2026.

If you're buying a home, this is worth reading before you make an offer.

👇 Read it here:
https://brycewaite.com/mortgage-insights/f/how-to-choose-the-best-mortgage-lender-in-colorado-2026

10/19/2026

🏡 Your parents never owned a home? You may qualify for $25,000 in assistance to buy yours!

One of the biggest things holding people back from buying a home in Colorado is coming up with the down payment and closing costs.

What many buyers don't realize is that CHFA has a FirstGeneration program designed to help eligible families break that cycle.

We're talking about $25,000 in potential assistance, 0% interest, and no required monthly payments on the assistance loan.

It's not a grant, and eligibility requirements apply, but it could make a huge difference for the right buyer.

I broke everything down in my latest blog, including who qualifies and how the program works.

👇 Check it out!

https://brycewaite.com/mortgage-insights/f/chfa-firstgeneration-colorado-2026

10/13/2026

Colorado Teachers & School Employees — Did You Know About This Home Buying Program? 🏡

You spend your days helping build Colorado's future. But what about owning a home of your own?

CHFA Schools to Home is designed to help eligible Colorado public school employees purchase a home, with potential down payment and closing cost assistance of up to 25% of the first mortgage amount!

This isn't just for teachers. Eligible counselors, administrators, and other public school employees may qualify too.

There are important repayment and shared appreciation requirements, so understanding your options matters.

I broke down how the program works, who qualifies, and what you should know before buying.

👇 Read my latest blog:

https://brycewaite.com/mortgage-insights/f/chfa-schools-to-home-colorado-teacher-home-buying-programs-in-20

If you're a Colorado school employee considering buying a home, I'd be happy to help you explore your options.

Bryce Waite | Citywide Home Mortgage

10/05/2026

Think you need 20% down to buy a home in Colorado? You may be closer than you think. 🏡
One of the biggest misconceptions I hear from homebuyers is that they need tens of thousands of dollars saved before they can even think about buying.
Depending on your qualifications:
🏠 Certain conventional options may allow as little as 3% down
🏠 FHA may allow as little as 3.5% down
🇺🇸 Eligible veterans may qualify for 0% down VA financing
🏔️ Qualified Colorado buyers may have access to CHFA down payment assistance
On a $500,000 home, 3% down is $15,000, compared with $100,000 at 20% down.
Of course, your down payment isn't the same as your total cash to close, and the lowest down payment isn't always the smartest option.
I broke down the numbers, programs and what Colorado buyers should know in my newest guide:
Can I Buy a House With 3% Down in Colorado?
https://brycewaite.com/mortgage-insights/f/can-i-buy-a-house-with-3%25-down-in-colorado
Not sure where you stand? Reach out and I'll help you run the numbers.
Bryce Waite | Citywide Home Mortgage
NMLS #1642253
U.S. Military Veteran

09/28/2026

Higher rates can mean fewer buyers competing, more negotiating power, seller concessions, and opportunities to structure the financing differently.

And if rates improve later, refinancing may be an option.

I broke down what buyers should actually be looking at in today’s market, including:

🏡 When buying now can make sense
💰 Seller concessions and rate buydowns
🇺🇸 VA loan opportunities for veterans
🔑 FHA and Conventional financing strategies
📉 Why waiting for lower rates isn’t always the best strategy

The right question isn’t just “What’s the rate?”

It’s “Does buying this home make financial sense for me right now?”

Read the full 2026 mortgage rate guide here:

https://brycewaite.com/mortgage-insights/f/mortgage-rates-are-above-7%25-should-you-buy-now

Bryce Waite
Producing Branch Manager | Citywide Home Mortgage
Veteran | VA, FHA, Conventional, CHFA & Down Payment Assistance

09/21/2026

FHA or Conventional? 🏡

One of the most common questions I get from Colorado homebuyers is which loan actually makes more sense.

The answer isn’t always what you think.

I put together a new 2026 guide breaking down:

✅ Down payment differences
✅ Mortgage insurance
✅ Credit considerations
✅ CHFA & down payment assistance
✅ Seller concessions
✅ When FHA or Conventional may make more sense

Don’t pick a mortgage based on what someone told you years ago. Run the numbers and compare your options.

Full guide 👇
https://brycewaite.com/mortgage-insights/f/fha-vs-conventional-loan-in-colorado-which-is-better-in-2026

09/16/2026

Veterans: Your VA home loan benefit can do a lot more than just 0% down.

As a military veteran and mortgage lender, I’ve seen how many veterans don’t realize everything their VA home loan benefit can offer.

I put together a new guide covering 7 VA loan benefits many veterans don’t know about in 2026, including:

✓ 0% down for eligible borrowers
✓ No monthly PMI
✓ Using your VA benefit more than once
✓ Seller credits and temporary rate buydowns
✓ VA funding fee exemptions for certain veterans
✓ Assumable VA mortgages
✓ Buying certain 2 to 4 unit properties with VA financing

You earned the benefit. Make sure you understand how to use it.

Read the full guide here:
https://brycewaite.com/mortgage-insights/f/7-va-loan-benefits-most-veterans-don%E2%80%99t-know-about-in-2026

Bryce Waite | Military Veteran | Mortgage Lender
NMLS #1642253

09/09/2026

🏡 How much house can you actually afford in Colorado?

I just put together a new 2026 guide that breaks it down in plain English — income, monthly payment, down payment, debt, and what actually matters when getting approved.

If buying a home is even on your radar, give this a read before you start guessing based on an online calculator 😂

👇 Full guide:
https://brycewaite.com/mortgage-insights/f/how-much-house-can-i-afford-in-colorado-2026-homebuyer-guide

Have questions or want me to run your actual numbers? Message me. Happy to help.

09/09/2026

The truth is, Mortgages shouldn’t be as scary as people think.

Address

12001 Tejon Street #128
Denver, CO
80234

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm
Saturday	9am - 7pm
Sunday	9am - 5pm

Telephone

406-531-8662

Website

https://www.citywidehm.com/brycewaitejr, http://www.BryceWaite.com/, http://VeteranHomeBuyer.com/

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