Space Force Guardians qualify for the same VA loan benefit as every other branch, and Colorado Springs is the heart of Space Force country. The JD.Mortgage Team writes VA loans for Guardians at Peterson Space Force Base and Schriever Space Force Base with no minimum credit score and no lender overlays. You get $0 down with full entitlement, no monthly mortgage insurance, and no VA loan limit. Both bases were renamed from Air Force to Space Force in 2021, but the VA benefit did not change. We use your BAH and base pay, and we know the east-side and D-49 corridor neighborhoods Guardians buy in.
Here is the short version. If you are an active-duty Guardian, a veteran of the Space Force, or transferred in from another branch, your VA eligibility carries with you. The base name changed. The benefit is the same one service members have used for decades.
Space Force VA Loans: Same Benefit, New Branch
Guardians Are Fully Eligible
Space Force service counts for VA eligibility just like any branch. Time served, not the uniform’s name, is what matters.
$0 Down, No PMI, No Limit
Full entitlement means no down payment, no monthly mortgage insurance, and no VA loan cap in El Paso County.
Transfers Keep Eligibility
If you transferred into the Space Force from the Air Force or another branch, your VA eligibility comes with you.
BAH Drives Qualifying
We use your Colorado Springs BAH and base pay together, so your housing allowance carries much of the payment.
No Minimum Credit Score
The VA sets no score floor and we add none. A rebuilding score does not end your file.
We Know the Bases
From the east-side neighborhoods near Peterson to the D-49 corridor near Schriever, we map the right commute.
Peterson and Schriever: Two Bases, Two Buyer Profiles
Where you work shapes where you buy. Peterson sits on the east side near the airport, so Guardians there tend to buy close-in east-side neighborhoods like Cimarron Hills and Springs Ranch. Schriever is farther east, so its commuters look out toward Falcon, Peyton, and the D-49 corridor, where new construction and larger lots stretch a BAH further. We help you match the commute, the schools, and a payment that fits.
Buying near Peterson Space Force Base
Established east-side neighborhoods put you minutes from the gate. See the full picture on our Peterson SFB VA loans page.
Buying near Schriever Space Force Base
The east corridor trades a longer drive for newer, larger homes. See our Schriever SFB VA loans page.
How We Build a Guardian’s VA File
Confirm eligibility and entitlement
We pull your Certificate of Eligibility, including any service that transferred in from another branch.
Qualify on BAH and base pay
We use your housing allowance and pay together, grossing up non-taxable income, to build the strongest file.
Match the base to the neighborhood
Peterson or Schriever, we point you to the areas that fit your commute, your schools, and your budget.
Close with no overlays
We underwrite to VA guidelines, manually if needed, and add no overlays. A tough file still has a path.
Frequently Asked Questions
Do Space Force members qualify for a VA loan?
Yes. Space Force Guardians qualify for VA loans on the same terms as every other branch. Eligibility is based on your service, not which branch you serve in.
Is Schriever still an Air Force base?
No. Schriever and Peterson were renamed from Air Force bases to Space Force bases in 2021, along with Cheyenne Mountain. The VA loan benefit is identical for Guardians stationed there.
I transferred to the Space Force from the Air Force. Do I keep VA eligibility?
Yes. VA eligibility is based on qualifying service. If you transferred from the Air Force or another branch into the Space Force, your eligibility carries with you.
Can I use my BAH to qualify near Peterson or Schriever?
Yes. BAH is qualifying income on a VA loan. We use your housing allowance with base pay and any non-taxable income, which can be grossed up, to build the strongest file.
Where do Guardians at Peterson usually buy?
Peterson sits on the east side, so Guardians there often buy close-in east-side neighborhoods like Cimarron Hills, Stetson Hills, and Springs Ranch for a short gate commute.
Where do Guardians at Schriever usually buy?
Schriever is farther east, so its commuters look toward Falcon, Peyton, and the D-49 corridor, where new construction and larger lots stretch a BAH further.
Is there a VA loan limit for Space Force buyers in Colorado Springs?
No. With full entitlement there is no VA loan limit in El Paso County. Your income and residual income set the ceiling, not a cap.
What credit score do Space Force members need for a VA loan?
None set by the VA. We add no overlays and can underwrite Guardian files in the low 500s through manual underwriting and residual income.
More for Space Force Buyers
Peterson SFB VA Loans
East-side neighborhoods and the contractor-friendly path.
Schriever SFB VA Loans
The east corridor value play in Falcon and Peyton.
Colorado Springs VA Loan Hub
The full no-overlay VA program for the Colorado Springs market.
VA Home Loans Hub
Eligibility, funding fee, residual income, and no-overlay underwriting nationwide.
Written by J.D. Peck.
Area Manager and Mortgage Loan Originator with The JD.Mortgage Team at Paramount Residential Mortgage Group (NMLS #75243). NMLS #314883. Based in Colorado Springs, Colorado. 25+ years of mortgage experience, 3,100+ loans closed, Scotsman Guide Top Originator 2026. Lending in 49 states. Last updated July 2, 2026.