Every home loan in Colorado Springs, in one place. Whether you’re buying your first home near Fort Carson, refinancing in Briargate, or financing an investment property, 719 Lending matches you to the right loan and the best terms as a local Colorado Springs lender. Rated 4.9★ on Google.
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Find your loan
Not sure which loan fits? Start here, then dive into the details on each page below. When you’re ready, we’ll match you to the best option for your situation in a quick call.
Purchase & conventional
- Conventional & Fixed-Rate — stable payments with competitive terms; ideal with strong credit.
- Jumbo Loans — finance luxury and high-balance homes above conforming limits.
- First-Time Home Buyer — low-down options and step-by-step guidance.
- Low / No Down Payment — buy with less out of pocket.
- Down Payment Assistance (CHFA) — CHFA and grant programs that help cover your down payment and closing costs.
- Investment Property — rental and DSCR financing for investors.
Government-backed
- FHA Loans — low down payment and flexible credit requirements.
- VA Loans — $0 down for veterans and active military near Fort Carson, Peterson and the Air Force Academy.
- USDA Loans — $0 down for eligible homes in rural areas around El Paso County.
Refinance & equity
- Refinance — lower your rate, shorten your term, or take cash out.
- VA Streamline (IRRRL) — fast, often no-appraisal VA refinance.
- VA Cash-Out — tap your home equity.
- HELOC & Home Equity — tap your home’s equity with a line of credit or second mortgage.
- Reverse Mortgage (HECM) — for homeowners 62+ who want to turn equity into cash with no monthly payment.
Self-employed, an investor, or need something non-standard? We also offer bank-statement, DSCR, USDA, renovation (FHA 203k), new-construction, and reverse mortgages — just ask and we’ll guide you.
Self-employed, renovation & specialty
- Renovation & 203k — buy or refinance and roll repair costs into one loan (FHA 203k & conventional reno).
- Bank Statement Loans — qualify on bank deposits instead of tax returns — built for the self-employed.
- All-In-One Loan — a first-lien HELOC that puts idle cash to work against your mortgage.
- ITIN & Foreign National — buy a home in Colorado Springs without a Social Security number.
How to choose the right loan
The best loan depends on your goals, your down payment, your credit, and how long you plan to stay. Veterans almost always do best with a VA loan ($0 down, no PMI). Buyers with limited savings often start with FHA or a low-down conventional option. Strong-credit buyers with 5% or more down usually win with conventional. Buying above the conforming limit? That’s a jumbo. Not sure? That’s what we’re for — one short conversation and we’ll lay out your best options side by side.
The 719 Lending process
- Talk to a local expert — 15 minutes on your goals and timeline.
- Get pre-approved — we verify income and credit and hand you a strong offer letter.
- Find your home — shop with confidence; we coordinate with your agent.
- Close — on your timeline, with no surprises.
Estimate your payment
Veterans, start with our Maximum VA Loan & Entitlement Calculator. For any scenario, request a personalized quote and we’ll run real numbers for you. (Calculator results are estimates, not an offer of credit.)
Why Colorado Springs chooses 719 Lending
We’re local, we answer the phone, and we shop your loan to get you the best fit — not whatever one bank happens to sell. Rated 4.9★ on Google by hundreds of local homeowners. 719 Lending, NMLS #1601989 — Equal Housing Lender. Read our reviews or get in touch.
Colorado Springs home loan FAQ
What loan is right for me in Colorado Springs?
It depends on your goals and finances. Veterans usually do best with a VA loan; first-time and lower-down-payment buyers often use FHA; strong-credit buyers with some down payment typically choose conventional. We’ll compare your options in one call.
How much down payment do I need?
As little as $0 with a VA or USDA loan, 3.5% with FHA, and as low as 3% with some conventional programs. We’ll show you what you qualify for.
Do you offer VA and FHA loans in Colorado Springs?
Yes — VA, FHA, conventional, jumbo, USDA, refinance, and specialty loans, all locally. See the full list above.
What credit score do I need to buy a home?
It varies by program; many borrowers qualify with less-than-perfect credit, especially on FHA and VA loans. Talk to us before assuming you don’t qualify.
719 Lending — NMLS #1601989. Equal Housing Lender. This is not a commitment to lend; all loans are subject to credit approval and property appraisal. Program terms and figures are subject to change.