Colorado Springs Home Loan Solutions
Looking to buy a home in Colorado Springs? The JD.Mortgage team at PRMG, led by local expert J.D. Peck, offers home loan solutions tailored to El Paso County buyers. Whether you’re a first-time buyer, military family, investor, or upgrading your home, we help structure VA, FHA, conventional, jumbo, and non-QM loans with competitive rates and personalized service.
Why Colorado Springs Homebuyers Choose the JD.Mortgage Team
Colorado Springs offers a unique blend of scenic beauty, military pride, and family-friendly neighborhoods—all of which require a lending team that understands both the community and its housing market. We specialize in working with military families, first-time buyers, seasoned homeowners, and self-employed borrowers. Our approach is consultative, not sales-driven—ensuring you get the right loan for your needs and your budget. Explore your loan options here.
Popular Home Loan Types in Colorado Springs
No two borrowers are the same, and your mortgage shouldn’t be either. We offer a wide array of loan products to meet the needs of Colorado Springs homebuyers:
- Conventional Loans with competitive rates
- VA Loans with no overlays or credit minimums
- FHA Loans for low down payment flexibility
- USDA Loans in nearby rural areas like Peyton and Falcon
- Jumbo Loans for high-value properties in Broadmoor and Cathedral Pines
We also offer Non-QM loans like DSCR, ITIN, Bank Statement, and Asset Depletion options for buyers who don’t fit the traditional mold.
Local Market Insight: What to Expect When Buying in Colorado Springs
The Colorado Springs housing market remains one of the most stable and active in the state. With a strong military presence, top-tier schools, and outdoor lifestyle appeal, demand stays consistent across price ranges. According to the Pikes Peak Association of REALTORS®, median home prices continue to show resilience even as national trends fluctuate. Whether you’re buying in Old North End, Stetson Hills, or Fountain, it’s important to partner with a lender who knows how to structure your loan competitively. Estimate your payment here.
Military Relocation? We’ve Got You Covered
With Fort Carson, Peterson SFB, Schriever SFB, and the Air Force Academy nearby, we serve military families navigating PCS orders year-round. Our VA lending platform offers unmatched flexibility, including manual underwriting and approval with lower credit scores. Learn more about our VA programs here.
Neighborhood Highlights in Colorado Springs
Not sure where to start your home search? Here are a few standout areas we frequently lend in:
- Briargate: Excellent schools, master-planned layout, and close to shopping and parks
- Powers Corridor: Affordable homes, newer developments, and easy access to Peterson SFB
- Old Colorado City: Historic charm meets walkable dining and boutique shopping
- Falcon & Peyton: Rural-feel communities with USDA-eligible zones
To learn more about neighborhoods and local resources, visit VisitCOS.com.
First-Time Buyer? We’ve Got a Plan for That.
We offer step-by-step guidance for first-time buyers including down payment assistance (DPA), grants, and flexible qualification programs. With options for low credit scores and limited savings, our job is to make sure you don’t miss out on homeownership. View the first-time buyer checklist here.
Refinancing in Colorado Springs? Let’s Reroute Your Rate
If you’re already a homeowner in the Springs and wondering whether now’s the time to refinance, we can help you evaluate your equity, debt consolidation options, or investment strategy. Click here for refinance solutions.
Closing Thoughts: Local Lending Backed by National Strength
At the JD.Mortgage team, we’re based in Colorado Springs but lend in 49 states—giving you both local expertise and broad loan availability. Whether you’re eyeing a new build in Banning Lewis Ranch, a historic home downtown, or a cabin near the foothills, we’re here to help you close with confidence.
Frequently Asked Questions About Home Loans in Colorado Springs
Do you work with military families near Fort Carson or Peterson SFB?
Yes. We specialize in VA loans and proudly serve active-duty and retired military members throughout Colorado Springs and the surrounding bases.
Can I qualify for a loan in Colorado Springs with a low credit score?
Absolutely. We offer FHA and VA loan options with flexible credit requirements—including no minimum score for eligible VA borrowers.
What home loan options are available for first-time buyers?
We offer FHA, VA, conventional, and down payment assistance programs to help first-time buyers achieve homeownership in El Paso County.
Are jumbo loans available in Colorado Springs?
Yes. We provide jumbo loans for properties above the conforming loan limits, with customized options for high-value home purchases.
We proudly offer home financing options for VA, FHA, USDA, DPA, Non-QM (including DSCR, Bank Statement, ITIN, Asset Depletion), HELOCs, Second Mortgages, Reverse, and Construction loans. Connect with us here to learn more.