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Recent Posts
- Can You Get A HELOC On A Second Home? The Rules Nobody Explains
- Can You Get A HELOC On A Paid-Off House? Yes — Here Is The Catch
- Mortgage for Newly Self-Employed Borrowers: How the 2-Year Rule Really Works
- HELOC Income Verification: No Document Chase, No Tax Returns
- Can You Get A HELOC Without An Appraisal? How AVMs Decide
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Self-Employed? Your Tax Returns Are Lying About Your Income
Every year, self-employed buyers get told no by their bank — not because they don’t make enough money, but because their tax returns say they don’t. Good accountants write off every legal expense. That shrinks your taxable income. It also shrinks the number a bank uses to approve your mortgage. The problem was never your…
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Jumbo Rates Are Now Beating Conventional. Here’s Why.
Jumbo mortgage rates in 2026 broke an old rule. For years, jumbo ran higher than conventional. If your loan went above the conforming loan limit, you paid more for it. Now a strong borrower can get a jumbo rate that matches — or beats — a standard conventional rate. This post breaks down what changed,…
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North Colorado Springs VA Loans: Monument, Gleneagle & D-38
Buying north of Colorado Springs with a VA loan means Monument, Gleneagle, Flying Horse, and the top-rated D-38 and D-20 schools, and that is exactly where the VA benefit is worth the most. The JD.Mortgage Team writes north-end VA loans with no minimum credit score and no lender overlays. With full entitlement there is no…
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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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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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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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Colorado Is Losing Companies and Jobs. Here’s What It Means for the Housing Market.
Colorado is losing businesses, corporate headquarters, and workers — and that shift is starting to show up in the housing market. This page breaks down what the data actually says, what it means for buyers and sellers in Colorado right now, and why Colorado Springs is operating under a different set of rules. No spin,…
