Kay Fruci

Branch Manager

NMLS ID# 1064528

719.499.9109

[email protected]

1755 Telstar Dr Suite 300, Colorado Springs, CO 80920

Serving AR, CO, FL & TX

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Hi, I’m Kay

Hi, I’m Kay Fruci, and I’m here to make the homebuying process easy. I work with buyers at every stage — first homes, next homes, and refinances. Whether you’re buying your first home, moving into something new, or refinancing to improve your situation, I’m here to help.

As a true mortgage nerd, running numbers and comparing loan scenarios is my passion—I break down options, explain real-life impact, and guide you toward the best fit for your goals and budget. VA loans are a specialty, and working with them daily means I know the details and how to leverage your benefits for maximum advantage.

Over the years, I’ve learned that home loans aren’t just transactions — they’re personal. Every buyer has a story and a dream behind their decision. Your journey deserves patience, honesty, and someone who genuinely has your back. That’s how I work, and it’s what I’m most proud of.

When I’m not helping people buy homes, you’ll usually find me around Colorado Springs with my husband, Mark — enjoying live music, trying a new restaurant, or spending time with our kids and grandbabies.

Purchase
A Home

Ready to purchase a new house? Whether you’re a first-time homebuyer, experienced homeowner, or real estate investor, we’ve got you covered.

START YOUR PURCHASE

Refinance
Your Home

Interested in changing your rate and term or using your equity to pull cash out? We have a variety of refinancing options to fit your needs.

APPLY TO REFINANCE

Down Payment
Assistance

Looking for down payment assistance? Find out what available programs you may qualify for using our free, easy-to-use search tool.

FIND ASSISTANCE

How It Works

We don’t believe in surprises. Rest easy knowing what to expect from the very beginning.

Step 1: Game Plan

Meet with your advisor, set goals, assess credit, define your budget, and review expectations for the rest of your home process

Step 2: Apply Online

RWM Home Loans’ Fluid App makes getting started easy. Quickly provide your information and upload documents seamlessly.

Step 3: Prep Work

We will review your information, request third party verifications, and prepare to submit everything for a Certified Pre-Approval.

Step 4: Offer Accepted

Congratulations, your offer has been accepted! You can rest easy while our team prepares to submit for final approval

Step 5: Bring In The Closer

Time to close! You will coordinate the appointment with the notary so you can sign your final loan documents.

Step 6: That’s A Wrap

Welcome home! You are ready to get your keys and unpack. Thank you for trusting RWM Home Loans with your loan.

Get Started

Unlock Your VA Loan Benefits

Discover the powerful benefits of VA loans, including no down payment, no private mortgage insurance, and competitive interest rates designed to support veterans and service members. Click below to learn more about eligibility, loan types, and how to use your VA home loan benefit to achieve your homeownership goals.

Learn More About VA Loans

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Meet My Team

We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.

Sarah Ramey

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Track Your Home’s Value with Homebot

Want to know what your home is really worth? With Homebot, you’ll get a personalized report based on your ZIP code, plus monthly updates on your home’s value equity, and opportunities to grow your wealth through real estate.

Get Your Free Home Report

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