Colorado Springs, Colorado mortgage broker.

The Colorado Springs mortgage market

Colorado Springs is one of the nation's largest VA markets due to the heavy military presence.

VA loans with 0% down dominate — the largest VA buyer market in Colorado.

Top loan programs in Colorado Springs

• VA — commonly used by Colorado Springs buyers in this market.
• FHA — commonly used by Colorado Springs buyers in this market.
• Conventional — commonly used by Colorado Springs buyers in this market.

How to qualify for a mortgage in Colorado Springs

Because Colorado Springs is a heavy VA market, most veteran and active-duty buyers start with VA eligibility — 0% down, no PMI, and competitive rates. For buyers without VA entitlement, conventional and FHA round out the picture. Lenders look at credit, DTI, residual income (for VA), and how the home will be used.

• Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
• Second homes: typically conventional or jumbo with 10–20% down.
• Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.

Get pre-approved for a Colorado Springs mortgage

Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across the Front Range — including Colorado Springs — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.