Colorado Springs, CO
A better way to mortgage in Colorado Springs, CO.
FHA, conventional, VA programs sized to Colorado Springs budgets — matched to your Colorado Springs file, from Briargate to every corner of Colorado Springs.
Can Choice Home Mortgage help me buy a home in Colorado Springs, CO?
Yes. Choice Home Mortgage helps Colorado Springs buyers and homeowners through licensed partner brokers who handle the Colorado licensing, while we coordinate the Colorado Springs file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For 2026, a one-unit Colorado Springs home can carry a conforming loan of up to $832,750, the El Paso County limit FHFA sets, and we check where your Colorado Springs price falls before you write an offer. The whole process runs by phone and online.
Buying in Colorado Springs: the numbers that matter.
Colorado Springs has one of the largest military concentrations in the country — Fort Carson, Peterson and Schriever Space Force Bases, and NORAD — making VA loans among the most-used products, and it is one of the more affordable entries into the Front Range.
Those Colorado Springs realities set the strategy. The 2026 conforming number for Colorado Springs buyers in El Paso County is $832,750 — the baseline every Colorado Springs file starts from. Under that $832,750 line — where most Colorado Springs purchases sit — conventional, FHA, and VA all stay in play. Colorado Springs’s price tier is solidly middle-of-market. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Colorado Springs counts 439,000-plus residents, Briargate to Downtown Colorado Springs, with Castle Rock and Pueblo close enough to house-hunt the same weekend. We work Colorado Springs from the ground up — close to Pikes Peak and Garden of the Gods. From Briargate, Old Colorado City, Broadmoor, and Downtown Colorado Springs to everywhere else on the Colorado Springs map — the financing reaches all of it. From anywhere in Colorado Springs, the whole process runs by phone and online — local Colorado Springs market reads included, commute not required. Across Colorado, our coverage runs 21 cities deep — and in Colorado Springs, as everywhere, the county numbers get verified before anything is quoted.
The broker difference, Colorado Springs edition.
Colorado Springs market knowledge
Colorado Springs pricing shifts pocket by pocket — Briargate, Old Colorado City, Broadmoor, near Pikes Peak and Garden of the Gods — and the loan should match the pocket you pick.
Down-payment friendly
The Colorado Springs starting lineup is usually FHA, conventional, VA; we add whichever down-payment help your Colorado Springs budget is eligible for.
We shop; you choose
Instead of one bank's rates, your Colorado Springs application sees many lenders competing — that's the whole point of working with us.
Direct to the owner
Your Colorado Springs file is coordinated by owner Esther Buede herself, and in Colorado Springs or Castle Rock hers is the name buyers recognize from our reviews.
Owner-coordinated, application to Colorado Springs keys.
One coordinator, no queue: Esther Buede, the owner (individual NMLS #2003644), personally coordinates each Colorado Springs loan with our licensed partner brokers, from Old Colorado City to the far side of Colorado Springs. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Programs shaped to Colorado Springs price tags.
Near Pikes Peak and Garden of the Gods, FHA files are a Colorado Springs staple for us. Colorado Springs work runs heaviest on FHA, conventional, VA, arranged through our licensed partner-broker network — but the full menu stays open for Colorado Springs files: VA, conventional, non-QM, and FHA financing. Whenever you’re ready — buying, refinancing, or still weighing options — apply online or call (949) 522-7310.
For Colorado Springs, that usually means VA, FHA, conventional.
Not every Colorado Springs file fits a W-2 box — self-employed borrowers can qualify on bank-statement income, and Colorado Springs investors can lean on DSCR investor loans. See El Paso County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
The same coverage rings Colorado Springs: Castle Rock, Pueblo, Cimarron Hills included. Browse our Colorado service areas →
Working with Colorado Springs, CO buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We work with Colorado Springs buyers remotely and maintain no Colorado Springs office.
What Colorado Springs buyers ask us first.
Where does the Colorado Springs conforming loan limit sit for 2026?
$832,750 is the 2026 conforming limit for a single-family home in Colorado Springs, based on FHFA's figure for El Paso County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in El Paso County have a $1,066,250 conforming limit for 2026.
Which programs fit Colorado Springs first-time buyers?
VA, FHA and conventional loans fit most first-time buyers in Colorado Springs, and the right one depends on your credit score and down payment. VA loans need no down payment for eligible veterans and service members. An FHA loan on one unit in El Paso County can go to $541,650 in 2026 (HUD).
Can you finance a home anywhere in Colorado Springs?
Yes, anywhere in Colorado Springs, from Briargate to Downtown Colorado Springs. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Briargate to Downtown Colorado Springs, a licensed partner broker originates the loan and we coordinate it by phone and online.
Can Choice Home Mortgage help me buy in Colorado Springs, CO?
Yes. Choice Home Mortgage helps Colorado Springs buyers through licensed partner brokers in Colorado, and we coordinate the loan. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Colorado Springs office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
I'm shopping Colorado Springs and the next town over: is that covered?
Yes. You can compare homes in Colorado Springs with Castle Rock, Pueblo and Cimarron Hills on one file. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Colorado Springs file.
Do I ever need to visit an office for my Colorado Springs loan?
No. A Colorado Springs loan runs by phone and online, and Choice Home Mortgage has no local office to visit. A licensed partner broker in Colorado originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Your Colorado Springs keys are the goal.
Straight answers on your Colorado Springs options, and a broker shopping the whole market for Colorado Springs buyers like you.