VA Loans
If you’re a veteran, active-duty service member, or eligible surviving spouse, the VA loan is very likely the strongest mortgage you can get: zero down payment, no monthly mortgage insurance, competitive rates, and limits on what you can be charged in closing costs. With Fort Carson, Peterson and Schriever Space Force Bases, the Air Force Academy and Cheyenne Mountain all in the Pikes Peak region, it is also the loan Scott structures most often on a PCS timeline.
Is this you?
- Veterans and active-duty service members with VA entitlement
- Eligible surviving spouses
- Buyers who want to keep their savings intact with $0 down
- Repeat use — VA entitlement can be restored and reused, PCS after PCS
Scott · Loan OfficerQuestions friends actually ask
Do VA loans really require no down payment?
Yes — eligible borrowers can finance 100% of the purchase price with no down payment and no monthly mortgage insurance. There is a one-time VA funding fee, which is reduced or waived for some veterans and can be financed into the loan.
How do I know if I’m eligible for a VA loan?
Eligibility is based on your service history and is documented with a Certificate of Eligibility (COE). Scott can pull your COE electronically in minutes as part of your pre-approval — you don’t need to track it down yourself.
Are VA loans harder to close or less attractive to sellers?
That reputation is outdated. In experienced hands, VA loans close on the same timelines as conventional loans. Scott communicates directly with listing agents to make sure your offer is understood — and taken seriously.
Keep exploring
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities across Colorado — east of Colorado Springs, Elbert County, Teller County and far more towns than buyers expect.
Learn more →Not sure yet?
That is literally what Scott is for. One conversation, all your options side by side, zero pressure to move forward.
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