Poor Credit Home Loans in Colorado Springs

Poor credit doesn’t have to stop you from buying a home in Colorado Springs. Many buyers are surprised to learn they still qualify—even with past financial struggles or a lower credit score. The truth is, traditional lenders often have overlays that make qualification harder than it needs to be. We don’t, and offer poor credit home loans in Colorado Springs.

Whether your score is in the 500s, you’ve faced bankruptcy or collections, or you’ve been told “no” before—we’re here to take a fresh look. We offer FHA loans with scores as low as 500, VA loans with no minimum credit score, and manual underwriting options that go beyond the numbers. [Get a second opinion on your home loan.]

Loan Options for Lower Credit Buyers

• FHA Loans: Minimum 580 score with 3.5% down, flexible credit history (or Minimum 500 score with 10% down)

• VA Loans: No minimum credit score, no PMI, 100% financing

• Manual Underwrites: Based on real-life compensating factors, not just a score

• Non-QM & Alternative Programs: For buyers who don’t fit the box

• Debt Consolidation with Equity: Refinance and reduce your monthly payments

What Makes Us Different

Most lenders rely solely on automated systems. If your file doesn’t fit perfectly, you get denied. We look deeper—with real guidelines and real people who understand how to structure a loan around your full financial picture. If you’re committed and stable, even with past credit bumps, there’s a path forward. [Let’s talk about your situation.]

Buying in Colorado Springs with Less-than-Perfect Credit

Even with credit challenges. With the right loan, you could stop renting and start building equity. Let’s look at your credit, budget, and buying power together—without judgment and without pressure.

Colorado Springs Communities We Serve

We work with families and individuals across El Paso County. From Southeast Colorado Springs to Stratmoor and Fountain to Northgate and Monument, we help buyers overcome financing barriers and secure stable housing with mortgage options tailored to their needs.  [Let’s see what your options are.]