Your local Colorado Springs Mortgage Broker.
Local, Local, Local. 719 Lending is a premier Colorado Springs mortgage broker. We believe in being transparent, friendly and 100% honest. For the best experience with mortgage loans in Colorado Springs combined with incredible rates, contact us today!
We Love Technology!
Our unique system allows you to buy a home completely using technology. It’s fast, it’s transparent and 100% at your fingertips. In addition to the ease of use, our system will provide constant updates through text, email, and our online portal. You always know where your loan is!
We Love Meeting Our Clients!
Although our technology allows you total freedom, we love to meet our clients face to face to go over mortgage loans in Colorado Springs. Being a local Colorado Springs mortgage lender and broker gives us the opportunity to know each other on a deeper level, and make sure all of your questions are answered. Our office is conveniently located in Downtown Colorado Springs.
Are you a Veteran?
We love being able to help our veterans with their goals of home-ownership! Did you know that VA home loans perform better than any other kind of loan? Watch our video on What sets Colorado VA Loans apart.
Working with a Colorado Springs mortgage broker.
It is important that your mortgage lender or broker listen to and answer your questions. Whether you are a first-time homebuyer or a seasoned pro, there are no bad questions. A good broker will take the time to make sure you understand everything about your loan. The 719 Lending team is here to guide you every step on your path to home ownership.
What is APOR? The federal rate that decides if your mortgage is an HPML
APOR is the weekly federal benchmark rate your loan is measured against. The gap between your APR and APOR silently decides whether your mortgage triggers escrow rules, a stricter appraisal, or loses FHA safe harbor. Here's how to look up the real number for the day you locked.
Mortgage Waiting Periods After Bankruptcy, Foreclosure, or Short Sale (2026)
The 2026 mortgage waiting-period matrix by loan program — Chapter 7 and 13 bankruptcy, foreclosure, deed-in-lieu, and short sale seasoning for conventional, FHA, VA, and USDA loans, sourced from the actual guides.
Should You Pay Off a Collection Before a Mortgage? The Last-Activity Trap
Paying off a collection before a mortgage can backfire on the older FICO models lenders actually use. Here's the last-activity trap and what underwriting really requires.