Colorado home financing
Home financing that fits your plans.
Buying a home or thinking about a refinance? I’ll help you compare your options, understand the payment and plan for the cash you’ll need.
Eric Hyatt · Mortgage Loan Originator
NMLS #2026244 · F5 Mortgage LLC · NMLS #1938115
(303) 349-6677
Your financing. Your choice. Already have a Realtor? You’re welcome here. I can help with your financing and coordinate with your agent.
For agents & their clientsStart where you are
Where would you
like to start?
Buy a home
Work out a comfortable payment and the cash you’ll need before you start making offers.
Plan my purchase 02Consider a refinance
See how a new loan compares with the mortgage you have, including costs and the time you plan to keep it.
Explore a refinance 03Understand my payment
See principal and interest alongside taxes, insurance and the costs that are easy to overlook.
Work through the numbersThe full monthly picture
A payment is more
than principal & interest.
Start with your own assumptions. See what’s included, what’s missing and how each part changes the result. Your actual loan options require a separate review.
Loading calculator controls…
Start with your own assumptions. Enter an illustrative interest rate to see a calculation. This tool does not show F5 rates, assess eligibility, or save your entries.
Your payment, in context
Choose your assumptions.
Enter an illustrative rate and valid purchase details to calculate principal and interest. Add the property costs to see a more complete monthly estimate.
Assumes a fully amortizing fixed-rate loan with monthly payments. Displayed amounts are rounded to the nearest dollar; calculations use unrounded values. Purchase price is not the loan amount. Down payment is subtracted from price; financed fees are not added. Closing costs, discount points, prepaid items, upfront mortgage insurance or funding fees, reserves, utilities, maintenance, special assessments, and costs not entered are excluded. This is not a Loan Estimate, APR, offer, approval, rate lock, or commitment to lend. It does not predict changing taxes, insurance, or mortgage insurance cancellation. Confirm the complete costs and current terms with a licensed mortgage professional.
Work directly with Eric
Financing with the
property in mind.
I’ve worked in residential real estate since 2015 and mortgage lending since 2020. That perspective helps me see how a financing decision connects to the home itself, the offer, appraisal considerations and the closing timeline.
We’ll look beyond the headline rate: the cash you need, the reserves you want to protect and the tradeoffs that matter over the time you expect to own the home.
Real estate services are brokered through HomeSmart. Mortgage origination is through F5 Mortgage LLC. You choose the professionals and services that fit your needs.
More about EricThe mortgage company behind the process
Personal guidance.
F5 Mortgage.
F5 Mortgage LLC · NMLS #1938115
F5 Mortgage is a mortgage brokerage that works with wholesale lenders. I’ll help you compare available options based on your finances, the property and your plans.
You’ll work directly with me to understand the costs, gather the right information and keep track of what needs to happen next.
Learn about F5 Mortgage (opens a new tab)Program access and terms vary. Rates, costs and eligibility require an individual review.
A clear path forward
From our first conversation
to the closing table.
Tell me what you’re planning
We’ll start with your questions, budget and timing. You don’t need to have a property picked out.
Apply through F5
After we connect, I’ll send you the secure F5 application invitation and explain which documents you’ll need.
Review your options
We’ll look at your income, assets, credit and financing needs so you understand the choices and any conditions.
Work through underwriting
The lender reviews your file and the property. I’ll help you understand requests for information and the steps still ahead.
Get ready for closing
We’ll work through final conditions and review your closing figures. Final approval and funding are separate steps.
Preliminary qualification, preapproval, conditional approval and final approval are different stages. Ask what was verified and what conditions remain.
Useful before you call
A few useful resources
before we talk.
Compare the complete Loan Estimate
Review the rate, points, costs, projected payment, cash to close and whether the rate is locked.
Explore resource Colorado Housing and Finance AuthorityExplore Colorado assistance
Explore CHFA homebuyer education and assistance through participating lenders. Current eligibility and program rules apply.
Explore resource Eric’s buyer planning guideConnect financing to your home search
Use my buyer financing guide to plan for property costs, prepare your questions and understand what comes next.
Explore resourceGo deeper in the existing library: rate, APR, points and lender credits · Colorado down payment assistance · all mortgage and financing insights.
Your questions
Questions you may
be wondering about.
Can I work with Eric if I already have a Realtor?
Yes. I can handle the financing side and coordinate with your agent, with your permission. You can keep working with the Realtor you’ve chosen.
Do I have to use F5 if Eric is my real estate agent?
No. You can work with me for real estate, financing, or both. You are always free to choose another lender or real estate broker.
Does this calculator show the rate I can get?
No. You enter an illustrative note interest rate for an educational fixed-rate calculation. It is not an APR, live pricing, rate lock, approval or quote. Costs and terms require an individual review.
Is a preapproval the same as final loan approval?
No. Ask what has actually been reviewed, who reviewed it, what conditions remain and when it expires. Conditional approval can still depend on the property, appraisal, documentation and other requirements. Final approval and funding are separate milestones.
Where should I send my documents?
Ask Eric for the secure F5 workflow appropriate to your file. Do not send Social Security numbers, bank statements or income documents through this website or ordinary email.
Start with a conversation
Let’s talk through the numbers.
Tell me a little about your plans. I’ll follow up to answer your questions and help you work out the next step.
Use email for general questions. Please do not email Social Security numbers, financial documents or other sensitive information. Ask Eric for the appropriate secure F5 workflow.
Mortgage company & licensing
Eric Hyatt, Mortgage Loan Originator · NMLS #2026244
F5 Mortgage LLC · NMLS #1938115 · Business phone: (303) 349-6677
Mortgage services through F5 Mortgage LLC. Real estate services brokered through HomeSmart, Colorado real estate license FA.100066211. Work with Eric for real estate, financing, or both. Your choice of lender and real estate broker is always yours.
Regulated by the Colorado Department of Regulatory Agencies. Equal Housing Opportunity. Information and calculator results are educational, are subject to change, and are not a rate quote, rate lock, approval or commitment to lend. Availability depends on current lender and program requirements, borrower eligibility, property and underwriting review.