The Kay Fruci Team - Powered by RWM Home Loan...
Branch Manager
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 yo... Show More
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Reviews from Web
Mark and Kay do a great job walking their clients through the process. They are personable, thorough, and available to answer any questions that come with the mortgage process. As they constantly improve their skills, they pass on that info...
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Reply from Mark & Kay Fruci
May 10th, 2023 06:42 PM
Thank you Joshua! We really enjoy educating buyers on their loan options and helping them make sense of all the options available to them.
Mark and Kay were able to expeditiously complete get me through the mortage loan process after I decided to change direction with a broker I had been working with. I was extremely impressed with their communication and their product presentation....
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Reply from Mark & Kay Fruci
March 23rd, 2023 02:02 AM
Doug, thank you so much for your review. So glad we could put this together for you on such a short time frame. Enjoy your new home in Colorado!
Doing business with the Frucis felt like doing business with family; they were kind, professional and had our interests in mind. Hopefully, we can work together again soon!
Reply from Mark & Kay Fruci
March 23rd, 2023 02:03 AM
Thank you for your review. Since we only live around the corner from you, we will be stopping by for some cooking lessons :).
Fast progress,very easy to deal with and very efficient processes….. love the app! Great job Mark and Kay!
Reply from Mark & Kay Fruci
March 23rd, 2023 02:04 AM
Thanks John! Enjoy your new home and all of the sunshine!
The Fruci team was amazing to work with and super helpful! Couldn’t recommend them more!
Reply from Owner
January 9th, 2026 10:24 AM
Thank you!
The Fruci team was so amazing!! Their communication was on point. I loved that they were always willing to answer any questions I had along the way too. I’d highly recommend them!!
Reply from Owner
January 9th, 2026 10:24 AM
Maggie, thanks for taking the time to leave us a review! We appreciate you.
Mark and Kay are absolutely amazing people. I felt that they really cared about more than just getting me a home loan. They asked about how things were going during the whole process like if the inspection went well, and how our family was...
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Reply from Owner
January 9th, 2026 10:24 AM
Linda, we loved working with you on your recent home purchase. We hope you've completed all of your renovation projects and are able to relax and enjoy your new home. Thank you so much for your review!
—UPDATE—Within 3 weeks of closing, they sold my loan to another loan provider. It happens, but I didn’t realize it would (as a naive first time home buyer) until I was actually signing the closing paperwork, at which point I basically had to...
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Reply from Owner
January 9th, 2026 10:24 AM
Thanks Will! You were a pleasure to work with and we are so happy you had a great experience.
The Fruci Team was wonderful to work with. We completed everything via phone & email, Mark & Kay was very responsive at all hours of the day. They went out of there way to explain things and sent videos to help. Tiffany was also amazing at...
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Reply from Owner
January 9th, 2026 10:24 AM
Thank you so much. Your kind words me a lot to us. We hope you are enjoying your home!
Team Fruci are the best. They are agile and responsive in providing home loans in a fast paced market. For first time home buyers, they take pride in educating you on the process. We felt comfortable and confident in our home buying experience....
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Reply from Owner
January 9th, 2026 10:24 AM
Thank you for the review. We hope you are enjoying Colorado and your new home.
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About
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.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Conventional Loan
FHA Loan
VA Loan
First Time Home Buyers
USDA Loan
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS 1864837 & 1064528
Disclaimer
Not all products are available in all states for all amounts. All mortgage applications are subject to underwriting guidelines and approval. This is not an offer of credit or a commitment to lend.
Equal Housing Lender.
Residential Wholesale Mortgage, Inc. dba RWM Home Loans is licensed by the CA Bureau of Real Estate #01174642 and the CA Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS #79445