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- Breaking a Lease to Buy a House Near Fort Carson and Colorado Springs
- Breaking a Lease to Buy a House With a VA Loan: The Seller Can Pay the Fee
- Buying a Home Before PCS: Pre-Approval on Orders, BAH, the 12-Month ETS Rule, and Closing Before You Arrive
- The Military Lending Act Explained: What the 36% Cap Covers, What It Doesn’t, and Why Your Mortgage Is Not on the List
- Military Credit Protections: Active Duty Alert vs. Credit Freeze vs. Free Monitoring, and Which to Use Before a Mortgage
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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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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 Loan Approved With Collections and a 64% DTI — A Colorado Springs Case Study
A Colorado Springs couple was turned down by multiple lenders before they came to us. Their credit showed collection accounts, their debt-to-income ratio came in at 64% on paper, and one of them carried a 613 credit score. In May 2026 they closed on a new-construction home with a VA loan — and their total…
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Colorado Springs VA Loan, 500 Credit Score: How We Closed This Veteran’s Manual Underwrite
This is a Colorado Springs VA loan story most lenders will not tell. A 100% service-connected disabled veteran with full VA entitlement and a $600,000+ new construction home under contract was about to lose her house — and the mortgage tied to it. After a year of life events that wrecked her credit and pulled…
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Pre-Approved Then Denied: A VA Loan Story From Colorado Springs
A Colorado Springs veteran reached me through ChatGPT — and his story is one I have heard a hundred times. He was told he was pre-approved for a VA loan by another lender, went home shopping, found a house in Parker, Colorado, and then got denied in underwriting. The reason: 30-day late payments tied to…
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How I Became A VA Mortgage Specialist
A VA mortgage specialist is a loan officer who knows the VA handbook better than the bank’s overlays — and who is willing to fight a file when the easy “no” lives behind an automated denial. Most loan originators never get there. They run the file through automated underwriting, accept whatever the system spits back,…
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VA Loan with Late Payments? Here’s What Most Lenders Won’t Tell You
You earned your VA benefit. A few late payments shouldn’t cost you the ability to use it. VA guidelines are more flexible than most lenders let on — and if you’ve been told no, there’s a good chance you ran into a lender’s rules, not VA’s. Last updated: September 24, 2026 Most Lenders Will Turn…
