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Recent Posts
- My CPA Saved Me $20,000 and Cost Me My Pre-Approval: A Colorado Springs Story
- Newly Self-Employed in Colorado Springs? The 2-Year Rule Has an Exception
- 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
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VA Minimum Property Requirements: The Real List (Updated 2026)
VA Minimum Property Requirements in plain words. Heat, roof, water, lead paint, termites, private roads, and how to get a repair waived. Updated for 2026.
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VA Tidewater: What to Do When the Appraiser Calls With Bad News
The VA Tidewater process explained in plain words. What triggers it, the 2-day window, what data to send, and how it differs from a Reconsideration of Value.
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The VA Appraisal: How It Works, What It Costs, and What Can Go Wrong
How a VA appraisal really works. Who orders it, what it costs, how long it takes, the Notice of Value, and what to do if the value comes in low.
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VA Cash-Out Refinance: The Rules Most Lenders Get Wrong
VA cash-out refinance explained: 100% loan-to-value, Type I vs Type II, seasoning, funding fee, and the cash rules. Straight from the VA handbook.
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Does a VA Loan Have a Spending Cap? What One Veteran’s Text Revealed
Does a VA loan have a spending cap? A veteran texted me that exact question this week. He wants to keep his current home, rent it out, and buy another house a few doors down with a second VA loan. Last time he bought, he was pre-approved for far more than he spent. So he…
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The VA Home Loan Navigator Act: What Veterans Should Know
Congress introduced a new bill on June 23, 2026, called the VA Home Loan Navigator Act (H.R. 9404). It was filed by Representative Veronica Escobar of Texas, with support from both parties. In plain terms, the bill would make the VA set up a free program that helps veterans use their VA home loan benefit…
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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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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…
