First-Time Homebuyers in Colorado Springs

    A clear, step-by-step path to your first home in Colorado Springs, from pre-approval to closing, with an independent mortgage broker on your side.

    Call (719) 590-6075
    Independent broker since 2006
    Multiple wholesale lenders compared
    One point of contact
    Company NMLS #1146149

    Buying your first home is exciting, and it comes with a lot of new terms and decisions. We help first-time homebuyers in Colorado Springs understand their loan options and get pre-approved before they shop. We compare programs from multiple wholesale lenders, and you'll work directly with Brendon O'Connor (NMLS #249969) from your first question to closing day.

    At a glance

    Pre-approval first

    Know your price range and shop with a pre-approval your agent can use.

    Compare every option

    We compare FHA, VA and conventional loans from multiple wholesale lenders so you see the full picture.

    Plain-English guidance

    Every document and step explained, so you always know what comes next.

    Who We Help as a First-Time Homebuyer

    Whether you're renting now, relocating to Colorado Springs, or buying with a partner for the first time, we can help. You may count as a first-time buyer if you:

    • Have never owned a home
    • Haven't owned a home recently (program definitions vary)
    • Are relocating to Colorado Springs for work or military service
    • Want to understand your options before you start house hunting

    You don't need to be ready to buy tomorrow. Many buyers start by learning what lenders look for and building a plan.

    Why First-Time Buyers Work With an Independent Mortgage Broker

    As an independent mortgage broker, we compare loan programs from multiple wholesale lenders, including FHA, conventional and VA options, so you can see which fits your finances and goals.

    • One point of contact from application to closing
    • Help understanding mortgage insurance and closing costs
    • Coordination with your real estate agent and closing team
    • Patient answers to every question

    First-Time Homebuyer Loan Requirements

    Lenders review your income, employment, assets, credit history and current debts, along with the home you plan to live in. If you use down payment assistance, that program has its own separate rules.

    If you're considering down payment assistance, CHFA and El Paso County publish official program details and participating-lender lists.

    CHFA homebuyer programsPikes Peak Down Payment Assistance (El Paso County)

    First-Time Buyer Programs in Colorado Springs and El Paso County

    Down payment assistance programs

    CHFA and El Paso County's Pikes Peak Down Payment Assistance program are offered through their own participating lenders. Countryside does not originate down payment assistance loans, but if you're considering one, we'll point you to the official program information so you can compare it with the options we offer.

    Get pre-approved before you shop

    A pre-approval shows sellers you're serious and tells you and your agent what price range to target. It's based on reviewed information and remains subject to the lender's final conditions.

    Budget beyond the down payment

    Plan for closing costs, prepaid items, homeowners insurance, El Paso County property taxes, any HOA dues, moving costs and a cushion for maintenance.

    Your Path to Homeownership in 4 Steps

    1. 1

      Talk through your goals

      A no-pressure conversation about your plans, timeline and finances.

    2. 2

      Compare loan options

      We compare programs from multiple wholesale lenders and explain the differences in plain English.

    3. 3

      Apply and submit documents

      You get a clear checklist, and we keep your file moving.

    4. 4

      Close with confidence

      We coordinate with your agent and closing team through closing day.

    First-Time Homebuyer FAQs

    Before you start touring homes. An early conversation helps you understand your price range, your loan options and what documents to gather.

    Pre-qualification is a quick estimate based on what you tell us. Pre-approval involves an application and a review of your documents and credit, so it carries more weight with sellers.

    CHFA offers statewide programs and El Paso County offers Pikes Peak Down Payment Assistance, each through its own participating lenders. Countryside does not originate assistance loans, but we're happy to explain how they compare with the options we offer.

    It isn't required for every loan. Some programs, including CHFA's assistance programs, require one from an approved provider. We'll tell you whether it applies to the loan you choose.

    Closing costs, prepaid taxes and insurance, inspections, moving costs and ongoing maintenance. We'll help you estimate the mortgage-related costs for your purchase.

    Start Your First-Home Plan Today

    Tell us where you are in the process. We'll explain your options, compare programs and help you take the next step with confidence.

    Call (719) 590-6075
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