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Recent Posts
- My CPA Saved Me $20,000 and Cost Me My Pre-Approval: A Colorado Springs Story
- Newly Self-Employed in Colorado Springs? The 2-Year Rule Has an Exception
- VA Minimum Property Requirements: The Real List (Updated 2026)
- VA Tidewater: What to Do When the Appraiser Calls With Bad News
- The VA Appraisal: How It Works, What It Costs, and What Can Go Wrong
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VA Loan After Bankruptcy or Foreclosure in Colorado Springs
A bankruptcy or foreclosure does not end your VA loan benefit in Colorado Springs. It sets a waiting period, and after that, with re-established credit, you can buy again. The JD.Mortgage Team specializes in these files. The VA sets no minimum credit score, we add no overlays, and we use manual underwriting and residual income…
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How Long Does a VA Loan Take to Close in Colorado Springs?
How long a VA loan takes to close in Colorado Springs depends mostly on you and the property, not the VA. A clean VA purchase with a responsive borrower closes inside a normal contract window. The JD.Mortgage Team builds the file so the longest step, the VA appraisal, goes first, and we clear the rest…
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VA Loan With No Down Payment in Colorado Springs
A VA loan in Colorado Springs needs no down payment with full entitlement, and it charges no monthly mortgage insurance. That is the core benefit, and in a market where prices have climbed past the mid $400,000s, it is worth more here, not less. The JD.Mortgage Team writes no-down VA loans for veterans and active-duty…
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PCS to Fort Carson: Your VA Loan Timeline
A PCS to Fort Carson runs on a clock, and your VA loan timeline has to match it. The JD.Mortgage Team builds Fort Carson VA files backward from your report date, not from a generic 30-day calendar. We qualify you on BAH and base pay, buy with $0 down on full entitlement, and can run…
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Buying New Construction in Falcon & Peyton With a VA Loan
Buying new construction in Falcon or Peyton with a VA loan is one of the smartest moves a Colorado Springs military buyer can make. The D-49 corridor east of the city is full of new builds, larger lots, and motivated national builders. A VA loan works on these homes with $0 down on full entitlement,…
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VA Loan With High Debt-to-Income in Colorado Springs
A high debt-to-income ratio does not have to kill your VA loan in Colorado Springs. The VA sets no hard DTI cap. The 41% number people quote is a guideline, not a wall. When your DTI runs higher, VA leans on residual income, the dollars you have left each month after your bills, plus compensating…
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Buy Before You Sell: Using a HELOC for the Down Payment on Your Next Home
The Buyer’s Dilemma You found the next home. You want to move on it now. But most of your money is locked up in the home you already own. The right home doesn’t wait. And in most markets, contingent offers — offers tied to the sale of your current home — get pushed aside. Sellers…
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Investment Property HELOC in North Las Vegas: An 18-Hour Case Study
Tuesday afternoon, 1:30 PM. An out-of-state real estate investor submitted a HELOC application against his rental property in North Las Vegas (ZIP 89031). Seventeen minutes later, at 1:47 PM, he had electronically signed the promissory note. The next morning at 8:04 AM, he completed the remote online notary session. From the moment he clicked “submit”…
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VA Seller Concessions in Colorado Springs: The 4% Rule
VA seller concessions in Colorado Springs let a seller or builder pay up to 4% of the home’s value toward your costs, and that 4% is on top of the normal closing costs they can already cover. Most buyers leave this money on the table or spend it on cosmetic upgrades. Pointed the right way,…
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An Unplanned Jumbo Purchase, a Recast Strategy, and a CTC
A family in Colorado Springs wasn’t planning to move. Then the right home came up at the right price. They had a lot of equity locked in their current house — but no buyer yet, no sale under contract, and no plan. Most people in that spot either wait or write a contingent offer. Both…
