VA Home Loans in Colorado Springs

    Home loans for eligible service members, veterans and surviving spouses, from a local independent mortgage broker who plans around your PCS timeline.

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

    A VA home loan is one of the most valuable benefits earned through military service. At Countryside Lending, we help Colorado Springs service members, veterans and surviving spouses use it well: we compare VA loan options from multiple wholesale lenders, plan around your orders, and keep the process organized from first call to closing. You'll work directly with Brendon O'Connor (NMLS #249969), who brings more than 20 years of residential mortgage experience.

    At a glance

    Built for military families

    VA financing is designed for eligible service members, veterans and certain surviving spouses buying or refinancing a primary residence.

    More than one lender

    As a broker, we compare VA loan options from multiple wholesale lenders instead of offering one lender's menu.

    PCS-ready planning

    We coordinate your loan around report dates, remote signing and out-of-state purchases.

    Who Can Use a VA Home Loan

    VA home loans are guaranteed by the U.S. Department of Veterans Affairs and made by private lenders. They're available to eligible active-duty service members, veterans, National Guard and Reserve members, and some surviving spouses.

    • Buying a primary residence in Colorado Springs or anywhere in Colorado
    • Relocating on PCS orders to Fort Carson, Peterson, Schriever or the Air Force Academy
    • Separating or retiring and settling in the Pikes Peak region
    • Refinancing an existing mortgage, including an existing VA loan

    Not sure you qualify? We'll help you confirm eligibility and compare VA with other loan programs so you can choose with confidence.

    Why Use an Independent Mortgage Broker for Your VA Loan

    VA loans follow federal guidelines, but lenders don't all review files, properties and timelines the same way. As an independent mortgage broker, we compare VA loan options across multiple wholesale lenders to find the right fit for your situation.

    • One point of contact from application to closing
    • Plain-English answers about VA requirements and your loan file
    • Coordination with your real estate agent, title company and closing team
    • Honest guidance, including when another program may fit better

    VA Loan Eligibility and Your Certificate of Eligibility (COE)

    Your eligibility is based on your service history and confirmed by a Certificate of Eligibility, or COE. The VA is the official source for eligibility rules and explains how to request your COE online.

    Beyond eligibility, the lender reviews your income, assets, credit and current debts. The home must be your primary residence and meet VA minimum property requirements. Most borrowers pay a VA funding fee, while some, including many veterans who receive VA disability compensation, are exempt. The VA publishes current amounts and exemptions.

    VA home loan eligibility and COE (VA.gov)VA funding fee and closing costs (VA.gov)

    VA Loans for the Colorado Springs Military Community

    Colorado Springs is home to Fort Carson, Peterson Space Force Base, Schriever Space Force Base, the U.S. Air Force Academy and Cheyenne Mountain Space Force Station. We help military families line up financing with the realities of a military move.

    Buying on PCS orders

    We can start before you arrive, get you pre-approved, plan the loan around your report date and coordinate remote document signing.

    Buying from out of state

    Calls, documents and updates can happen remotely, so you can shop with confidence from your current duty station.

    Where families often look

    Fountain and Security-Widefield near Fort Carson; the east side, Falcon and Peyton near Peterson and Schriever; Briargate, Northgate and Monument near the Academy. Your commute, budget and plans should drive the choice.

    Already have a VA loan?

    A VA Interest Rate Reduction Refinance Loan (IRRRL) is a streamlined refinance for eligible existing VA borrowers. Colorado Springs mortgage refinance

    Our VA Loan Process 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.

    VA Loan FAQs for Colorado Springs Buyers

    Often, yes. We can start with your orders and current information, get you pre-approved, and plan the closing around your report date. We'll be clear about what can move forward now and what must wait for final paperwork.

    You can request a COE through the VA's official website, and lenders can often request it for you. We'll explain what it shows and how it's used in your loan.

    VA loans do not require monthly private mortgage insurance. Most borrowers pay a one-time VA funding fee unless exempt; the VA publishes current amounts.

    Yes, many borrowers use their VA benefit more than once. Your available entitlement depends on your prior VA loans and whether they were paid off, and we'll review it with you.

    No. The home must be your primary residence and meet VA minimum property requirements. We flag potential property concerns early so there are fewer surprises.

    Ready to Use Your VA Home Loan Benefit?

    Tell us about your orders, timeline and goals. We'll compare VA loan options from multiple wholesale lenders and map out your next steps, with no pressure.

    Call (719) 590-6075
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