$0 down. No PMI. Close in 2 weeks or less. You earned this benefit — let's make sure you use it right.
VA loans aren't just another mortgage product — they're a benefit you've earned through your service. Here's what makes them the most powerful home buying tool available to the Colorado Springs military community.
100% financing on eligible properties across Colorado Springs, Fountain, Security-Widefield, Falcon, and all of El Paso County. Keep your savings where they belong.
Conventional loans charge private mortgage insurance on low down payments — often $150–$400+ per month. With VA, that cost is gone entirely. Not deferred. Gone.
Because the VA guarantees a portion of your loan, lenders can offer measurably lower rates than conventional financing. That difference compounds significantly over 30 years.
Your VA entitlement doesn't expire and can be used multiple times. Getting PCS orders? Sold your last home? Your benefit is ready when you are.
More flexible credit and DTI requirements than conventional loans. Had some bumps along the way? We work with you to find a path forward — straight talk, no runaround.
Single-family homes, condos, multi-unit properties (up to 4 units). New construction and existing homes. Wide eligibility across El Paso County neighborhoods.
With over 94,000 veterans and 25,000+ active duty service members, El Paso County is one of the most military-concentrated communities in America. We know these bases, these neighborhoods, and these timelines.
4th Infantry Division. Fountain, Security-Widefield, and Broadmoor area for shortest commute.
Space Force HQ, NORAD & NORTHCOM. Powers Corridor and Stetson Hills are popular.
Falcon and Peyton areas — shorter commute east of the Springs for Schriever families.
24% of all Colorado veterans. One of the highest concentrations in the nation.
Most veterans, active-duty service members, and surviving spouses qualify. If you're not sure, that's exactly what the consultation is for.
The VA funding fee is a one-time charge that helps fund the program — ranging from 1.25% to 3.3% of the loan depending on your down payment and whether it's your first use.
If you're receiving VA disability compensation, you're exempt entirely. The fee can also be rolled into the loan — no out of pocket.
We walk through this in detail during the consultation so you know exactly what to expect before you sign anything.
No runaround, no surprises. A clear path from the survey to keys in hand — in 2 weeks or less.
60 seconds. No credit pull. No commitment. Emma will reach out by text to schedule your free consultation. Your information goes only to Speak Straight Mortgage — we never sell it. We reach out by text first.
We pull your Certificate of Eligibility (COE), review your buying power, and give you an honest picture of your max purchase price, rate, and payment. No sales pressure — just numbers and options. This is where we also confirm your free appraisal certificate.
Lock in your VA pre-approval so sellers take your offer seriously. We work with local Colorado Springs agents who know the military market — Fort Carson commute times, BAH ranges, and neighborhoods that fit your situation.
We coordinate with all parties and get you to closing on time — critical in a market where homes move fast. We work around PCS timelines and have closed clients within their first week on station.
60 seconds. No credit pull. Emma will reach out by text — or schedule your consultation directly after you submit.
"Matthew took the time to explain every step of the VA loan process in plain English. No jargon, no pressure — just honest guidance from someone who actually knows what they're talking about. Closed in just 2 weeks."
Complete the survey and Emma will reach out by text to schedule your free consultation — or schedule directly below after you submit. Your information goes only to Speak Straight Mortgage. We never sell it. We reach out by text first.
Emma will reach out by text shortly — or schedule your consultation directly below. Either way, this is one step. Free. No pressure. No obligation.
Your information goes only to Speak Straight Mortgage. We never sell it.
Speak Straight Mortgage LLC · NMLS# 2426226 · Matthew Wentz NMLS# 1852397