Available when houses actually sell
Showings at 7 PM, offer deadlines on Sunday, a "can we afford this one?" from the driveway in Woodmoor — Scott answers when the question happens, not Monday morning.
Buying · Refinancing · Reverse · Colorado
Every home buying, refinancing and reverse mortgage question, answered in plain English by a lender who has done this since 2003. Your agent finds the house; Scott Synovic makes the financing land — straight answers on Saturday night, a payment on any listing in minutes, and a call to the listing agent with every offer. Over 62? Flip the site over.
Nights & weekendsMonument · Colorado Springs · Castle Rock★ 4.87 · 65 reviewsNo forms. Nothing collected.
Scott · Fairway Home Mortgage
usually replies in minutes
hey scott — quick question 👋 we just toured a house in Monument and have no idea what we're doing
Nobody does the first time — that's what I'm for. What do you want to know first?
tap one 👇
Send me the address and price. I'll text back the full monthly payment — metro-district taxes, insurance, everything — in about 10 minutes. 🏡
7
Days a week you can reach Scott — nights and weekends included
10 min
For updated payment + cash-to-close math on offer day
1 call
To the listing agent with every offer you submit
1–2 days
Typical pre-approval turnaround once your documents are in*
* Timing varies by file and depends on receiving complete documentation. Turnaround figures are typical, not guaranteed. This is not an offer to enter into an agreement; not all customers will qualify. Rates, programs and terms are subject to change. All loans subject to credit and property approval.
Why "realtor-centric" matters
Houses sell on Saturday nights and offer deadlines land at 5 PM Sunday. If your financing can't keep pace with your agent, you lose houses you could have won. Scott built his whole process around that one fact.
Financing answers, right beside your agent
Seller credits, appraisal gaps, contingency language, closing dates, VA details the listing side may not understand — Scott works through the money side with your agent so the offer is built right the first time.
A call to the listing agent — with every offer
A personal call vouching for your financing, with Scott's cell number attached. It answers the one question every listing agent has: will this actually close?
How Scott helps
Most buyers think a lender's job is a rate. The rate is table stakes. The job is everything that happens between "we like this house" and the keys — and doing it fast enough that you win the house.
Pre-approval that means something
Income, assets and credit actually reviewed — then a letter written to match your offer, not your max. Usually a day or two once your documents are in.
Payment math on any house, fast
Text Scott an address and a price. Principal, interest, metro-district taxes, hail-zone insurance, mortgage insurance and cash to close come back in minutes.
Offer-day support
Updated numbers, a matched letter, and a personal call to the listing agent with every offer you submit — the quiet advantage in a multiple-offer weekend.
One team with your agent
Your agent finds the house. Scott makes the financing land. They talk to each other, so you never play phone tag between them.
Down payment help, found
CHFA statewide, metroDPA in the Denver metro, El Paso County Turnkey Plus in the Pikes Peak region. If assistance fits your file, Scott pairs it with the right first mortgage — and checks VA and USDA eligibility while he is at it.
A calm path to closing — and after
Clear next steps at every milestone, straight answers to every question, and a process that runs quietly until the keys. Years later, when the refinance question comes up — or, at 62, the reverse mortgage question — the same honest math.
The question everyone actually has
Not the loan payment — the whole payment. Principal, interest, property taxes, homeowners insurance, mortgage insurance, HOA if there is one. The calculator shows all of it, instantly, with no sign-up. Then text Scott the address for numbers specific to that house — including the metro-district levy and the insurance quote.
Run my numbers →Scott · Loan Officer$450k house in Falcon, 3% down — what does that actually cost per month?
Ballpark, all-in, it's around $3,000 depending on the metro district, insurance and today's rate. Run it on the calculator, then send me the address and I'll make it exact. 📲
Meet Scott
Scott Synovic has been in mortgage lending since 2003 — through two full market cycles — and still answers the phone when the question actually happens. Three rules on every file: plain English, honesty over deals, and speed as respect.
Loan Officer with Fairway Home Mortgage in Monument, licensed in Colorado, a multi-year Five Star Mortgage Professional award winner, and one of the few lenders in the Pikes Peak region who originates both traditional and reverse mortgages — and the lender your real estate agent wants on the team.
Guides
01
You do not need 20% down
The single most expensive myth in home buying — and what Colorado buyers actually put down.
4 min read →09Buying near Fort Carson, Peterson or the Academy: VA loans on a PCS timeline
Entitlement, BAH, the funding fee, and how to close on a military clock in the Pikes Peak region.
5 min read →10Over 62 and need to tap equity: reverse mortgage, cash-out refinance or HELOC?
Three ways to turn home equity into money, compared honestly by someone who originates all three.
5 min read →Loan programs
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities across Colorado — east of Colorado Springs, Elbert County, Teller County and far more towns than buyers expect.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Colorado has real down payment help — CHFA statewide, plus metroDPA in the Denver metro and El Paso County’s Turnkey Plus in the Pikes Peak region — that can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Scott will show you. When it doesn’t, he’ll tell you.
Learn more →No idea which one?
Perfect. That is a ten-minute conversation, not homework. Text Scott what you are wondering about.
Text 303-668-3350 →The flip side · For homeowners 62+
Scott originates reverse mortgages — HECM and HECM for Purchase — through Fairway Reverse, alongside everything on this page. Which means a homeowner over 62 (or the adult kid doing the research) gets the honest version from someone who also does the forward side: what it is, what you keep paying, what your heirs need to know, and whether a refinance or doing nothing beats it.
Scott · Loan Officermy mom keeps getting reverse mortgage mail. is it a scam or a real thing?
Real thing, heavily misunderstood. She keeps the house, keeps paying taxes and insurance, no monthly mortgage payment. Whether it's right for HER is a 20-minute conversation — and if it isn't, I'll say so. ⇄
Ready when you are
No dumb questions, no pressure, no forms to fill out. Text Scott what you are wondering about and get a straight answer — usually the same day, nights and weekends included.
Text Scott · 303-668-3350 →Apply with Scott at Fairway
Applications happen on Fairway's secure site — never here.