Colorado Springs Mortgage & Refinance - Silver Mortgage
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Free Mortgage Quote
No Hidden Fees. Ever.
Free Second Opinion Same-Day Mortgage Pre-Qualification
Last Updated: February 16, 2026
Silver Mortgage specializes in home mortgage financing and refinancing in Colorado Springs, including cash-out refinancing and home equity lines of credit (HELOCs). Silver Mortgage also specializes in Commercial and investment Real Estate mortgage and finance. Silver Mortgage’s wholesale lender access to 20+ lenders means lower costs than retail banks, with a single application and a single credit pull to compare multiple mortgage rate quotes. Steve Silver, NMLS #314817, is licensed in Texas, Colorado, and Florida.*
Key Takeaways: Colorado Springs Mortgage Broker, Silver Mortgage
- Silver Mortgage 44+ years serving Colorado Springs – Since 1981 with deep expertise in El Paso County mortgage lending, military relocations (Fort Carson, Peterson Space Force Base, Schriever Space Force Base, U.S. Air Force Academy), and specialized financing for Broadmoor, Briargate, and Flying Horse Ranch neighborhoods.
- $0 mortgage application fee, $0 upfront costs – Silver Mortgage access to 20+ wholesale mortgage lenders with one credit pull, same-day mortgage pre-qualification available for Colorado Springs homebuyers and military families.
- Specialized mortgage programs – FHA, VA, conventional, jumbo loans, plus DSCR loans for investors and flexible options for self-employed borrowers in Colorado’s growing tech and defense sectors.
- Alternative documentation programs – Flexible qualification for military personnel with complex income (BAH, hazard pay, bonuses), self-employed defense contractors, and tech professionals with stock compensation.
- Service areas – Colorado Springs neighborhoods (Broadmoor, Briargate, Flying Horse Ranch, Rockrimmon, Old Colorado City, Manitou Springs), El Paso County, Teller County, and Douglas County.
- 21 to 30 day closings – Direct access to your local loan processor from application to closing, no call centers, with experience coordinating military PCS timelines and VA loan requirements.
❓ Moving to Colorado Springs ?
Frequently Asked Questions: Colorado Springs Mortgage & Refinance
Do I have to use a big bank to get a competitive mortgage rate in Colorado Springs?
No. Silver Mortgage accesses 20+ wholesale mortgage lenders with competitive rates—often lower than retail banks—with one credit pull and $0 application fees. Wholesale lender access means more loan program options for Colorado Springs homebuyers and homeowners.
How quickly can I get pre-qualified for a Colorado Springs mortgage?
Silver Mortgage offers same-day mortgage pre-qualification for Colorado Springs homebuyers and military families, with direct processor access and no call center delays.
Does Silver Mortgage specialize in VA loans for Fort Carson and military families?
Yes, Silver Mortgage has 44+ years of experience with VA loans, military relocations, PCS timeline coordination, and complex income documentation for BAH, hazard pay, and bonuses.
Can I use BAH and military allowances to qualify for a Colorado Springs mortgage?
Yes, Fort Carson military families can use BAH (Basic Allowance for Housing), hazard pay, and other non-taxable allowances as qualifying income for VA and conventional loans, with proper documentation of continuity and stability.
What mortgage programs are available for self-employed borrowers in Colorado Springs?
Silver Mortgage offers alternative documentation programs for self-employed defense contractors, tech professionals, and business owners with complex income like stock compensation or variable earnings.
What is cash-out refinancing and when does it make sense?
Cash-out refinancing lets you access your home equity for renovations, debt consolidation, or investments by replacing your current mortgage with a larger loan and receiving the difference in cash.
Can I get a jumbo loan for a Broadmoor or Flying Horse Ranch home?
Yes, Silver Mortgage offers jumbo loans for luxury properties in Broadmoor, Flying Horse Ranch, and other high-value Colorado Springs neighborhoods with competitive wholesale rates.
Do I need perfect credit scores to buy a Colorado Springs home?
No. Minimum credit score requirements vary by loan type: FHA (580 minimum), Conventional (620 minimum), VA (no official minimum for eligible military and veterans). Perfect credit scores aren’t required, but higher scores may qualify for better mortgage rates in Colorado Springs.
Does Silver Mortgage serve areas outside Colorado Springs city limits?
Yes, Silver Mortgage serves El Paso County, Teller County, Douglas County, and Colorado Springs neighborhoods including Manitou Springs, Old Colorado City, and Rockrimmon.
How long does it take to close a mortgage in Colorado Springs?
Silver Mortgage typically closes loans in 21-30 days with direct processor access and no call centers, accommodating military PCS timelines and urgent relocations.
*Disclosure: Direct lending services and wholesale are provided through Secure Financial Services, Inc. (NMLS #70160), an affiliated company. Steve Silver (NMLS #314817) is a licensed loan originator for both Silver Mortgage Funding Group, LLC (NMLS #360472) and Secure Financial Services, Inc. (NMLS #70160).
What Our Clients Say About Silver Mortgage – Steve Silver
Here are 6 out of 307 verified reviews across Google, Zillow, Yelp, Facebook and Social Survey.
“Steve was amazing and extremely helpful, especially for my first time buying a home. He always responded promptly and answered questions in depth so I would understand the process. I would use Steve again in the future and definitely recommend him to anyone searching for a home!”
“Steve is the best! He is so knowledgeable and truly gives the best advice. He addressed every question I had in detail and was always readily available! I’m so happy with how my first time home buying experience went! I seriously can’t imagine having done this process with anyone else! I will continue to recommend Steve to everyone! Thanks again!!”
“Steve Silver did a fantastic job getting us a mortgage with some very difficult circumstances. He was very positive throughout the entire process, communicated every step of the way in simple to understand terms, and advocated for us EVERY STEP OF THE WAY! He and his team worked with the various parties to get the loan through underwriting, through the title company review, and ultimately through closing. I cannot emphasize how easy it was to work with Steve. The mortgage process is more complicated these days and having someone there to facilitate and explain the process is invaluable. Steve and his team should be your only choice for getting a mortgage!”
“My family and I recommend Silver Mortgage Funding, they are very professional, kind and communicative. They answered all our questions and explained every step in detail.”
“Just as he was when we originally purchased our home, throughout the refi process Steve was highly available, informative, and preemptive of every step ensuring I knew what was done, what was in-progress, and what was coming next. Not only will I recommend him to friends, but I already have.”
“We have worked with Mr. Steve Silver on at least three different occasions, and he has been outstanding! He is extremely knowledgeable regarding current markets and helped us navigate the loan process with ease. He helped us get the lowest mortgage interest rate possible and tailored the loan to work for us. Steve has gone above and beyond what is required and provided exceptional service. We highly recommend him and we will most definitely work with him for our future financing needs.”
Rated 5.0/5.0 based on 307+ verified reviews across Google, Zillow, and SocialSurvey
Ready to See Your Colorado Springs Mortgage Rate Quote?
No upfront costs. No obligations. Local Colorado Springs mortgage lender – since 1981.
