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Recent Posts
- 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
- VA Cash-Out Refinance: The Rules Most Lenders Get Wrong
- Moved Manufactured Homes Can Now Get Conventional Financing
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Space Force VA Loans: Buying Near Peterson & Schriever
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…
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Second VA Loan & Remaining Entitlement in Colorado Springs
Yes, you can use a VA loan more than once in Colorado Springs, and many service members do. Your VA benefit is not a one-time card. The JD.Mortgage Team maps your entitlement before you shop so you know exactly what a second VA loan looks like. If your first VA loan is paid off, your…
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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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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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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…
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How Much House Can You Afford With a VA Loan in Colorado Springs?
How much house you can afford with a VA loan in Colorado Springs is not set by one number on a rate sheet. It comes down to your income, your monthly debts, and a VA rule most lenders gloss over: residual income. A VA loan in Colorado Springs needs no down payment with full entitlement…
