Premier Mortgage Lender in the Colorado Springs Metro – Expert Financing for the Pikes Peak Region’s 1.4M Residents

Nestled at the base of the majestic Pikes Peak, the Colorado Springs metropolitan area is home to a thriving and growing population of 1.4 million residents. Whether you are a military family relocating to one of our local bases, a first-time buyer looking for a home in a vibrant mountain community, or a long-term resident upgrading your space, The Smith Mortgage Group is your dedicated local partner. Our mission is to empower the Colorado Springs community by providing transparent, personalized Colorado Springs mortgages and Pikes Peak region home loans tailored to your specific financial goals

Start your mortgage journey today.

Need Legal Help? Contact The Smith Mortgage GroupToday.

📍 Address: 605 Delray Street Shelbyville, TN 37160

Couple reviewing mortgage application with a model house on the table, symbolizing homeownership goals in Springfield, Massachusetts.

Colorado Springs Mortgages: Financing for Olympic City USA

From the towering summit of Pikes Peak to the historic avenues of Old Colorado City and the master-planned excellence of Briargate, Colorado Springs, Colorado is a city defined by resilience and growth. Navigating Colorado Springs home loans requires a lender who understands the unique economic drivers of the Front Range—from our deep military roots to our burgeoning aerospace and tech sectors.

At The Smith Mortgage Group, we provide high-performance mortgage solutions for the entire Pikes Peak region. Whether you are a first-time buyer in Fountain, an active-duty family PCSing to Fort Carson, or seeking a luxury estate in Broadmoor, we offer the specialized expertise to ensure your Colorado dream becomes a reality.

Military Mortgage Specialists

Proudly serving Fort Carson, Peterson SFB, Schriever SFB, Cheyenne Mountain SFS, and the U.S. Air Force Academy. Ask about our $0 down VA loan options.

Why Homebuyers Choose Us in Colorado Springs

  • VA Loan Authority: We specialize in the nuances of VA financing, including "Bonus Entitlement" and high-balance VA loans for the Colorado Springs market.
  • Gold-Standard Pre-Approval: In a competitive market, our fully verified pre-approvals carry the weight of cash in the eyes of local sellers.
  • Front Range Expertise: Deep knowledge of El Paso County property taxes, metro districts, and mountain-area appraisal standards.
  • PCS & Relocation Support: We work on your timeline, offering virtual closings and streamlined document management for military families on the move.
  • Rapid In-House Processing: Our technology-driven approach ensures we meet the aggressive 21-day closing cycles often required in the Springs.
"We aren't just financing homes in Colorado Springs; we are supporting the families who serve our country and build our community. Our mission is to provide the sharpest rates and the most transparent service in El Paso County."
— Sterling Smith, VP & Branch Manager

Colorado Springs Loan Programs: Built for the High Country

  • VA Loans: The premier choice for our local service members—$0 down and no PMI.
  • Conventional Mortgages: Flexible 15 and 30-year terms for primary homes and mountain retreats.
  • Jumbo Financing: Competitive high-balance loans for premier properties in Black Forest and Cathedral Pines.
  • FHA & USDA Loans: Accessible options for buyers in emerging communities like Falcon and Peyton.
  • Refinance Solutions: Utilize your home’s equity to fund renovations or lower your monthly payment.

Colorado Springs Mortgage Intelligence: FAQ

How do I qualify for a VA loan in Colorado Springs? +

To qualify for a VA loan in Colorado Springs, you generally need a Certificate of Eligibility (COE) and a discharge status other than dishonorable. We handle the paperwork for you and offer $0 down payment options with no monthly mortgage insurance.

What are "Metro Districts" and how do they affect my mortgage? +

Many new developments in Colorado Springs (like Banning Lewis Ranch) are in Metropolitan Districts. These can have higher property taxes to pay for infrastructure. We factor these into your debt-to-income ratio upfront so there are no surprises at closing.

What is the minimum credit score for a Colorado Springs home loan? +

While 620 is the standard for Conventional loans, we offer FHA programs that can go as low as 580. For our most competitive rates in Colorado Springs, a score of 720+ is recommended.

Can I use a VA loan for a mountain property? +

Yes, provided it is your primary residence. Properties in Ute Pass or Cascade must meet VA Minimum Property Requirements (MPRs) regarding year-round access and utilities, which we help you navigate.

How fast can you close a loan in the Pikes Peak region? +

With our streamlined digital platform, we frequently close Colorado Springs mortgages in under 21 days, allowing you to compete effectively against other buyers.

Ready to Call Colorado Springs Home?

Experience the difference of a sharp, localized mortgage partner. Contact our Colorado Springs team today for a custom rate quote.

Get Pre-Qualified Now

Contact The Smith Mortgage Group

Sterling Smith, VP & Branch Manager

Phone: 931-205-9873

Email: sterling.smith@fcmhomeloans.com

Address: 605 Delray Street, Shelbyville, TN 37160

Serving all 50 states with specialized expertise in Alabama mortgage markets.

What Our Clients Say

Our happy clients share their experiences with us.
“Working with The Smith Mortgage Group made the home-buying process seamless. Their team was professional and supportive every step of the way!”
Jessica R.
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“The Smith Mortgage Group helped me understand my options clearly. Their guidance was invaluable in securing my first home!”
Mark T.
Image depicting a wireframe design for a digital mortgage platform, highlighting user-friendly navigation and features relevant to Springfield homebuyers.
“Thanks to The Smith Mortgage Group, I felt empowered throughout my mortgage journey. Their expertise made all the difference!”
Lisa K.
Image depicting a wireframe design for a digital mortgage platform, highlighting user-friendly navigation and features relevant to Springfield homebuyers.
“I appreciated the transparency in the entire process. The team was always available to answer my questions and provide support.”
Brian H.
Image depicting a wireframe design for a digital mortgage platform, highlighting user-friendly navigation and features relevant to Springfield homebuyers.

Featured Metropolitan Areas

The Smith Mortgage Group has specialized expertise in these major metropolitan markets across the nation.

All States Directory

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Our Services

Every Dream Home Deserves the Right Mortgage

Flexible loan programs designed to fit your unique situation

🏡

Conventional Mortgages

Traditional 15-year and 30-year fixed-rate mortgages with competitive rates and flexible down payment options.

  • 5% - 20% down payment
  • Fixed & adjustable rates
  • Rate locks up to 60 days
  • Quick pre-approval
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🎯

FHA Loans

Perfect for first-time homebuyers with as low as 3.5% down payment and flexible credit requirements.

  • 3.5% minimum down
  • Lower credit score OK
  • Mortgage insurance included
  • Gift funds allowed
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🎖️

VA Loans

Exclusive benefits for veterans, active military, and surviving spouses with zero down payment required.

  • 0% down payment
  • No PMI required
  • Competitive rates
  • Lifetime eligibility
Learn More
🌾

USDA Loans

Zero down payment options for rural and suburban homebuyers in eligible areas.

  • 0% down payment
  • No PMI required
  • Favorable rural rates
  • Income limits apply
Learn More
💎

Jumbo Mortgages

Financing for high-value properties exceeding conventional loan limits with competitive rates.

  • Luxury home financing
  • Competitive jumbo rates
  • 10-20% down typical
  • Expert guidance
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🔄

Refinancing

Lower your payments, access equity, or switch loan types with our streamlined refinance process.

  • Lower monthly payments
  • Cash-out options
  • No appraisal options
  • Fast processing
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🏗️

Construction Loans

Financing for homeowners building new homes or undertaking major renovations with interest-only payments during construction.

  • Interest-only during construction
  • Automatic conversion to permanent
  • Inspections tied to disbursement
  • Expert project coordination
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🏢

Investment Property

Specialized financing for real estate investors purchasing rental properties, fix-and-flips, and multi-unit properties.

  • Portfolio lending options
  • Flexible qualification
  • Rapid funding for deals
  • Investment strategy guidance
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🔍

Specialized Programs

Credit challenged loans, bank statement programs, and non-traditional income verification for unique borrower situations.

  • Alternative income documentation
  • Non-traditional credit evaluation
  • Self-employed solutions
  • Flexible qualification
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🤝

Mortgage Consulting

Expert advice on loan selection, rate shopping, financial planning for homeownership, and refinancing strategies.

  • Personalized loan recommendations
  • Financial planning consultation
  • Rate comparison analysis
  • Pre-approval guidance
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Explore All Our Mortgage Solutions

Discover the full range of our mortgage services and find the perfect option for your home financing needs.

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Mortgage Insights & Homeowner Resources

Navigating the real estate market requires expert knowledge and up-to-date information. Our educational hub is designed to empower you with essential guides, covering everything from first-time homebuyer tips and refinancing strategies to the latest market updates and mortgage industry news. Whether you are planning to purchase an investment property or simply want to understand mortgage rates today, our resources provide the clarity you need to make confident financial decisions