Everything Colorado Springs veterans need to know about VA loans, in one place. This is your plain-English guide to eligibility, the Certificate of Eligibility, the funding fee, and the process. Ready to start? See our main VA loans in Colorado Springs page. 719 Lending, NMLS #1601989, Equal Housing Lender.
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What is a VA loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, National Guard and Reserve members, and surviving spouses. Its signature benefits: $0 down and no monthly mortgage insurance.
VA loan eligibility
You may be eligible with 90 consecutive days of wartime active service, 181 days of peacetime active service, 6 years in the Guard or Reserves, or as a qualifying surviving spouse. We’ll pull your Certificate of Eligibility (COE) for you. More detail: VA eligibility guide and entitlement explained.
The Certificate of Eligibility (COE)
The COE proves to lenders that you qualify for your VA benefit. You don’t need it in hand to start; we obtain it during pre-approval.
The VA funding fee
Most borrowers pay a one-time funding fee (financeable) in place of monthly mortgage insurance; borrowers with a service-connected disability are typically exempt. See current rates in our VA funding fee guide.
VA loan limits & entitlement
With full entitlement, there’s no VA loan limit. With reduced entitlement, your limit ties to the El Paso County conforming limit. Use our Maximum VA Loan & Entitlement Calculator.
The VA loan process & first-time buyers
Talk to a local VA expert, get pre-approved (we pull your COE), find your home, complete the VA appraisal, and close. First-time buyer? VA loans are an excellent first home loan: $0 down and forgiving credit. We guide you the whole way.
VA purchase & refinance options
Buy an existing home, build new with a VA construction loan, or refinance later with a VA streamline (IRRRL) or VA cash-out.
Start your VA loan in Colorado Springs
We serve veterans across Fort Carson, Peterson, Schriever, and the Air Force Academy. Rated 4.9★ on Google. See our main VA loan page or request a quote.
VA loan FAQ
Who is eligible for a VA loan in Colorado?
Veterans, active-duty service members, many Guard and Reserve members, and qualifying surviving spouses who meet service requirements.
Do I need a Certificate of Eligibility before applying?
No. We obtain your COE for you during pre-approval.
Is there a VA loan limit in Colorado Springs?
Not with full entitlement. With reduced entitlement, the limit follows the El Paso County conforming limit.
719 Lending — NMLS #1601989. Equal Housing Lender. Not a commitment to lend; subject to credit approval and appraisal. Not affiliated with or endorsed by the VA or any government agency.