Mortgage Colorado Springs

Finding the right mortgage in Colorado Springs is more than just shopping for rates—it’s about working with a local expert who understands the unique housing market, military presence, and community dynamics of this incredible city. Whether you’re purchasing your first home, upgrading, or refinancing, the JD.Mortgage team is here in Colorado Springs to guide you every step of the way. [Connect with a local mortgage expert today.]

Why Choose a Local Colorado Springs Mortgage Lender?

Colorado Springs is unlike any other housing market. With a high concentration of active-duty military families, veterans, and government employees, understanding the nuances of VA loans, PCS timelines, and local appraisal trends is critical. We live and lend right here in the community—giving you the advantage of local insight, faster turn times, and relationships with top agents and title companies. [Explore VA loans with no minimum credit score.]

Mortgage Options for Every Stage of Life

No two homeowners have the same needs. That’s why we offer a full suite of loan programs to fit your goals. From first-time homebuyer programs to jumbo loans, and from low-credit VA loans to asset-based options for retirees and investors, we tailor each loan to your unique financial picture. [View all loan options here.]

Understanding the Colorado Springs Housing Market

As of 2025, Colorado Springs continues to show steady appreciation, especially in neighborhoods like Briargate, Powers, and Broadmoor. The local job market, proximity to Fort Carson, Peterson SFB, and the US Air Force Academy all contribute to a resilient real estate market. Working with a lender who understands this landscape means you’ll be better prepared during appraisals, negotiations, and timelines. [Learn more about the city of Colorado Springs.]

First-Time Buyers Welcome

Buying your first home in Colorado Springs doesn’t have to be overwhelming. We walk you through each step—from getting pre-approved to making a strong offer. Many buyers qualify for down payment assistance or zero-down loans they didn’t know existed. [Discover local DPA programs now.]

Military & Veteran Mortgage Expertise

With deep ties to the local military community, we’re proud to serve those who serve. Whether you’re relocating due to PCS orders or retiring and planting roots, we’ll help you access the full benefits of your VA entitlement. [Start your VA loan with a trusted local team.]

Jumbo Loans in High-Value Areas

Homes in upscale areas like Black Forest and Flying Horse may exceed conforming loan limits. We offer competitive jumbo loan products, including fixed and adjustable-rate options, and we’ll walk you through requirements like reserves and down payment percentages. [Explore jumbo loan options here.]

Refinancing in Today’s Market

Whether you’re looking to reduce your interest rate, eliminate mortgage insurance, or access equity, we’ll evaluate whether a refinance makes financial sense for you. Our local presence allows for quicker closings and clearer guidance throughout. [See refinance options available now.]

Investment & Non-QM Mortgage Solutions

Colorado Springs is a growing market for real estate investors. We offer DSCR loans, bank statement loans, ITIN programs, and other non-QM solutions to help you qualify based on your real financial strength—not just W-2 income. [Explore flexible mortgage solutions.]

Second Mortgages & HELOCs

If you want to access your home equity without refinancing your first mortgage, a HELOC or second mortgage may be ideal. We offer both fixed-rate second mortgages and hybrid HELOC products with flexible access and fast closings. [Tap into your equity smartly.]

Construction, Reverse & Specialty Lending

Looking to build your dream home or age in place? Our Colorado Springs team offers construction loans, reverse mortgages, and financing tailored to retirement or legacy planning. [Review specialty mortgage options.]

Your Local Colorado Springs Mortgage Partner

We’re more than a mortgage lender—we’re your neighbor. With a physical presence in Colorado Springs, the JD.Mortgage team combines technology, transparency, and local insight to make the process smooth and personal. You’ll get fast communication, expert advice, and clear next steps at every point in your homeownership journey. [Start your loan journey today.]

Let’s Find the Right Loan for You

No matter your credit score, income type, or homeownership goal, we’re here to help you find the right mortgage in Colorado Springs. We proudly offer VA loans, FHA loans, USDA loans, down payment assistance (DPA), conventional loans, jumbo loans, construction loans, HELOCs, second mortgages, reverse mortgages, and a full suite of non-QM loans including DSCR loans, bank statement loans, and ITIN mortgage programs. [Browse all loan programs here.]