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
Qualifying for a mortgage in Colorado Springs follows the same core process as anywhere in Colorado: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, 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 a mortgage brokerage licensed in Colorado and Florida, helping buyers across Front Range — including Colorado Springs — find the right loan program at a competitive rate. We work with conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
Get your Colorado Springs loan options
See what you qualify for — fast, free, no obligation.