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Now Lending in Colorado Springs

Colorado Springs home loans —
at the foot of Pikes Peak.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Colorado Springs and El Paso County. From first-time buyers in the Powers corridor to VA purchases for our military families near Fort Carson and Peterson Space Force Base, we bring local guidance to the Pikes Peak region — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
El Paso County
Pikes Peak Region Coverage
14 days*
Close In As Little As
$832,750
2026 El Paso County Conforming Limit
5.0 ★
Google Review Rating
Colorado Springs Markets

Local lending across
the Pikes Peak region.

Colorado Springs Neighborhoods

From historic districts to fast-growing master-planned communities across the city.

  • El Paso County
  • Briargate, Rockrimmon, Old North End
  • Broadmoor, Old Colorado City, Cheyenne Cañon
  • Powers corridor, Falcon, Monument
A VA-Friendly Military Community

Home to five major installations — we specialize in VA loans for active-duty, veteran, and military families.

  • Fort Carson & Peterson Space Force Base
  • Schriever Space Force Base & Air Force Academy
  • Cheyenne Mountain Space Force Station
  • 0% down VA purchases & refinances
Every Kind of Springs Buyer

First-time buyers, new construction, and investment properties across El Paso County.

  • First-time and move-up buyers
  • New construction & master-planned homes
  • Investment & rental properties (DSCR)
  • Jumbo financing for luxury homes
BriargateBroadmoorOld Colorado CityOld North EndRockrimmonPowersFalconMonumentFountainSecurity-WidefieldManitou SpringsBlack ForestCorderaWolf RanchFlying HorseStetson Hills
Loan Programs in Colorado Springs

Financing for every
kind of Colorado Springs buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Colorado Springs homebuyers.

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VA Loans

0% down for Colorado Springs's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Colorado Springs's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Colorado Springs investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Colorado Springs's self-employed borrowers.

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FAQ

Colorado Springs mortgage
questions answered.

We serve homebuyers and homeowners throughout Colorado Springs and all of El Paso County, including Briargate, the Broadmoor, Old Colorado City, the Powers corridor, Falcon, Monument, Fountain, and the surrounding communities.
Yes. Colorado Springs is home to Fort Carson, Peterson and Schriever Space Force Bases, the Air Force Academy, and Cheyenne Mountain. We specialize in 0%-down VA purchase and refinance loans for active-duty service members, veterans, and military families.
The 2026 conforming loan limit is $832,750 in El Paso County. Loan amounts above that limit are financed as jumbo loans, which we offer for the area’s luxury and higher-priced markets.

Ready to start your Colorado Springs home journey?

Get pre-approved today — no cost, no obligation. Colorado Springs borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825