Government Loan · El Paso County
VA Loans in Colorado Springs
Fort Carson, Peterson, Schriever, Cheyenne Mountain and the Academy sit in one county. If you are PCSing here, this is the loan you have earned.
Overview
In Colorado Springs, the VA loan is not a niche product. It is the default.
El Paso County holds one of the densest concentrations of VA-eligible households in the country, and the local market is built around it — listing agents here read VA offers fluently, which is not true everywhere in Colorado. Two numbers matter for your search. Since 2020, a veteran with full entitlement has no VA loan limit at all, so the purchase price is governed by what you qualify for, not by a county cap. That is worth knowing because the 2026 FHA limit in El Paso County is $541,650 — far below the $862,500 available up in the Denver metro — so above roughly half a million dollars, VA financing often outruns FHA outright in this market. The other thing I watch closely on Colorado Springs files is residual income. The VA measures what is left after your obligations rather than a pure debt-to-income ratio, and BAH treated correctly can change the answer on a file another lender already declined.
Who it is for
This page is for you if…
- You are stationed at Fort Carson, Peterson SFB or Schriever SFB
- You are Air Force Academy faculty, staff or a graduating officer
- You are a veteran using your entitlement for the first time
- You are re-using or restoring entitlement after a previous VA loan
- You are a surviving spouse of an eligible veteran
- You were told your debt-to-income was too high somewhere else
Highlights
Why the VA loan wins here
No loan limit
With full entitlement there is no county cap — unlike FHA, which stops at $541,650 in El Paso County for 2026.
$0 down
100% financing, which matters in a market where PCS timelines rarely leave time to build a down payment.
No monthly PMI
VA loans never carry monthly mortgage insurance, at any loan-to-value.
No lender fees
My standing commitment on every VA loan — purchase or IRRRL refinance.
Residual income
The VA’s residual income test approves files that a rigid DTI calculation turns away. I know how to present it.
BAH and PCS timing
Orders, BAH and a closing date that has to hold. I have run this play before.
PCSing to Colorado Springs?
Send me your orders timeline and I will build the pre-approval around it. Call (303) 557-3846 or start online.