Serving Colorado Springs, CO
Colorado Springs mortgage brokerage — first-time-buyer programs, refinance, jumbo, and self-employed loans, with a 28-day average close time, NMLS licensing across 5 states, and a relationship-first approach that survives the rate market.
Colorado Springs mortgage brokerage covering Colorado, New Mexico, Arizona, Utah, and Wyoming. First-time-buyer programs, refinance, jumbo, and self-employed loans. NMLS-licensed across 5 states, 28-day average close time, and the kind of relationship-first lending that survives even when the rate market doesn't.
By the Numbers
Years in Colorado
Loans Closed
Google + Zillow
Avg Close Time
Licensed in 5 States
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The Reality
If you've shopped a mortgage before, you've had at least one of these.
These are the situations we help Colorado Springs customers solve every week.
- →Your big-bank loan officer changed three times during the last application and the file got reset twice
- →You locked a rate and then watched the deal blow up at underwriting two days before close
- →You're self-employed and three lenders said "no" without actually understanding your tax structure
- →Your real estate agent recommended a lender, you said yes, and the closing was a nightmare
- →Three lenders quoted three different rates and three different fee structures and you have no idea which is the actual better deal
Our Services
What we do.
Service · 01
First-Time Homebuyer Loans
FHA, VA, USDA Rural Development, conventional 3% down, and Colorado-specific down-payment-assistance programs (CHFA, Metro DPA). We walk first-time buyers through the entire process from pre-approval through closing — most first-timers hire us specifically because we explain instead of assume.
Service · 02
Refinance & Cash-Out
Rate-and-term refinance, cash-out refinance for renovations or debt consolidation, and HELOC alternatives. We run the math both ways (refinance vs. don't) and tell you honestly when refinancing doesn't make sense — most months we tell at least 30% of inquiries to wait.
Service · 03
Jumbo & Non-Conforming
Jumbo loans up to $10M, asset-depletion programs for high-net-worth applicants, and non-QM programs for unique credit situations. Direct relationships with 14 jumbo investors so we can shop the actual best terms instead of being captive to one bank's program.
Service · 04
Investor & Self-Employed Programs
DSCR (debt-service-coverage ratio) loans for investment properties, bank-statement programs for self-employed borrowers, and 1099-only income programs. We understand cash-flow lending — most banks don't, which is why self-employed borrowers come to us specifically.
The Difference
Why Colorado Springs and the Mountain West close with Foothills.
28-Day Average Close
Our processing team closes most files in 28 days from contract — well under the 45-day industry average. Faster close means a stronger offer in a competitive market and a lower risk of rate-lock expiration. Real-estate agents send us their tough deals because they know we'll close.
5-State License Coverage
NMLS-licensed across Colorado, New Mexico, Arizona, Utah, and Wyoming. If you're buying in any of those states, we can run the loan. Single-source consistency for clients with second homes, investment properties, or moves across the Mountain West.
Same Loan Officer, Start to Close
You work with the same licensed loan officer from pre-approval through the closing table — not a call-center rep, an automated system, or a different person every time you call. The loan officer who pulls your credit on day 1 is the one signing your closing documents on day 28.
Self-Employed and Non-QM Specialists
About 35% of our pipeline is self-employed, 1099, or otherwise complex income. We know the bank-statement programs, asset-depletion math, and non-QM investor pricing inside-out. If three lenders said "no," call us — we close those deals weekly.
Common Questions
You probably want to know.
What credit score do I need?+
FHA: 580+ for 3.5% down (some programs as low as 500 with 10% down). Conventional: 620+. VA: 580+ typical. Jumbo: 700+ typical. We can pre-qualify even if your score is on the line — sometimes a 3-month credit-improvement plan is worth more than rate-shopping today.
How much down payment do I need?+
FHA: 3.5% down. VA: 0% down (eligible veterans). USDA Rural: 0% down (eligible rural properties). Conventional: 3% down for first-time buyers, 5% standard. Jumbo: 10–20% typical. Plus Colorado CHFA and Metro DPA programs for additional down-payment assistance.
How fast can I close?+
Standard purchase: 28-day average. Refinance: 25–35 days. Jumbo: 32–45 days (more underwriting). Cash-out home equity: 21–28 days. We give you a realistic timeline at pre-approval and update you weekly until close.
Are you a bank or a broker?+
We're an independent mortgage broker, which means we shop your loan across 50+ wholesale lenders to find the best rate and program for your situation. Big banks only sell their own products; we sell whichever lender is offering the best deal that week — that's how we win on rate.
What if my situation is complicated?+
Self-employed with multiple business entities, gig income, investment properties with mixed cash flow, recent foreclosure or short sale, foreign-national programs — call us. About 35% of our pipeline is "complicated" and we close those weekly. The big banks say no; we underwrite the actual story.
Get pre-approved with someone who actually answers the phone.
20-minute pre-approval call — soft credit pull (no impact to score), straight talk about programs and rates, and a written pre-approval letter same day if you qualify. No high-pressure follow-up, no shared contact info, no spam.
📞 (719) 555-0128Visit Us
Colorado Springs, CO
Foothills Mortgage
25 N Cascade Ave, Suite 320
Colorado Springs, CO 80903
Phone
(719) 555-0128Service Area
Colorado Springs · Pueblo · Castle Rock · Monument · Manitou Springs · Colorado · New Mexico · Arizona · Utah · Wyoming