Peterson Space Force Base sits on the east side of Colorado Springs and hosts Space Base Delta 1, Space Operations Command, and NORAD/USNORTHCOM headquarters at the adjacent Cheyenne Mountain complex. Between Peterson, Fort Carson, Schriever, and the Air Force Academy, El Paso County is one of the top VA loan counties in the entire country.
Tayton Capital closes VA loans for Peterson families as an independent broker — we compare wholesale VA pricing across multiple investors instead of quoting a single bank's rate sheet, and we do it with a full understanding of BAH, PCS timelines, and entitlement math.
Where Peterson families buy
Cimarron Hills and Claremont Ranch: Closest inventory to the Peterson gates, heavy VA concentration, generally $360,000–$470,000.
Stetson Hills and Springs Ranch: Newer subdivisions along the Powers corridor, 10–15 minutes to base, $425,000–$550,000.
Falcon and Peyton: Larger lots east of the city with a strong military presence, $475,000–$625,000.
Downtown and Old Colorado City: Historic inventory for buyers who want walkability rather than square footage.
Monument and Black Forest: Where retiring officers and senior NCOs land — acreage, D-38 schools, and $650,000+.
2026 El Paso County VA loan limits
With full entitlement there is no VA loan limit. You can buy at any price you qualify for with zero down and no monthly mortgage insurance. County limits apply only to partial entitlement. El Paso County's 2026 conforming limit is the national baseline of $832,750, with an FHA limit of $541,650.
See El Paso County loan limits →
What VA saves a Peterson buyer
On a $450,000 purchase, an FHA buyer pays 3.5% down ($15,750) plus roughly $250/month in mortgage insurance. A VA buyer with full entitlement pays $0 down and $0 mortgage insurance. Over a five-year assignment that is about $15,000 in monthly savings plus the down payment stays in your account.
The tradeoff is the VA funding fee — 2.15% first use, 3.3% subsequent use, financed into the loan and waived entirely for veterans with a service-connected disability rating.
Peterson SFB VA loan FAQs
Can I use a VA loan more than once in Colorado Springs?
Yes. VA entitlement is restorable — sell and pay off the VA loan and your full entitlement returns. If you're keeping a prior home, second-tier entitlement often still allows a low- or zero-down purchase here.
How long does a VA appraisal take in Colorado Springs?
Typically 10–14 days, occasionally longer during spring PCS season. It is the biggest schedule risk on any Peterson-area file, so we order it the day you go under contract.
Is the VA funding fee waived for disabled veterans?
Yes. Veterans receiving VA disability compensation — even at 10% — are exempt from the funding fee entirely. On a $500,000 purchase with 0% down that is roughly $11,500 saved.
Do I need a termite or well inspection for a Colorado VA loan?
Colorado is not a mandatory termite-inspection state for VA. Well and septic testing is required when the property has them, which comes up regularly in Black Forest and eastern El Paso County.
Related: VA loans near Fort Carson | VA loans Colorado | Mortgage broker Colorado Springs | VA vs FHA