Whether you're a veteran using your VA benefit for the first time, a first-time homebuyer navigating CHFA programs, or a homeowner considering a refinance, these guides break down the Colorado Springs mortgage process in plain English. Written by Matthew Hager — combat veteran, mortgage broker, and Colorado Springs local.
The Complete VA Loan Guide for Colorado Springs (2026)
Everything veterans and active duty need to know about VA loans in El Paso County. Covers eligibility, the COE process, funding fees, VA appraisal requirements, and common pitfalls specific to Fort Carson, Peterson SFB, USAFA, and Schriever SFB service members.
- VA eligibility & Certificate of Eligibility
- VA funding fee table & exemptions
- VA loan limits in El Paso County
- VA appraisal & minimum property requirements
- VA IRRRL (streamline refinance)
First-Time Homebuyer Guide: Colorado Springs
A step-by-step walkthrough for first-time buyers in the Colorado Springs market. Covers credit prep, down payment strategies, CHFA Colorado programs, FHA vs conventional decisions, and what to expect at closing.
- Credit score requirements by loan type
- Down payment assistance programs
- CHFA Colorado first-time buyer options
- House hunting near military bases
- Closing costs breakdown
Mortgage Broker vs. Bank vs. Direct Lender
An honest comparison of the three models for getting a mortgage in Colorado Springs. Includes a side-by-side comparison table, when a broker is the right choice, and when you might be better off going direct.
- How mortgage brokers differ from banks
- Rate shopping: who gets you the best deal?
- VA loan expertise comparison
- Local accountability factor
- When a broker is the wrong choice
Ready to talk to a human?
These guides cover a lot, but every situation is unique. Call or text Matthew directly — he's a veteran, not a call center.