Colorado Springs Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Colorado Springs, Colorado (License #152318). El Paso County (Colorado Springs) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming or VA loans.
Colorado Springs has one of the strongest military communities in the state, thanks to Fort Carson, Peterson Space Force Base, and the U.S. Air Force Academy. VA loan fluency is central to serving buyers here.
Today's Colorado Springs Mortgage Rates
Live best-execution Colorado rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.101%
FHA 30-Yr Fixed
5.490%
APR 5.602%
VA 30-Yr Fixed
5.625%
APR 5.741%
Jumbo 30-Yr Fixed
6.125%
APR 6.203%
Rates subject to change. See Rate Assumptions.
Colorado Springs Home Loan Facts
Median Home Price
~$480,000
Curated Colorado Springs estimate.
2026 Conforming Limit
$832,750
El Paso County baseline reference.
County
El Paso County
Loan limits are set at the county level.
Loan Limits & Market
El Paso County (Colorado Springs) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming or VA loans.
Relative affordability compared with Denver, plus a large active-duty and veteran population, keeps VA and first-time buyer demand high across El Paso County.
Colorado Springs Highlights
- Baseline conforming limit of $832,750 (2026)
- Exceptional VA demand near Fort Carson & the Academy
- No down payment or PMI for eligible VA borrowers
- More affordable than the Denver metro
Property Taxes in Colorado
Colorado has one of the lower effective property tax rates in the country, though local mill levies vary by county and district.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Colorado
CHFA FirstStep
FHA first mortgage for first-time buyers and qualified veterans.
CHFA Down Payment Assistance
Grant or second-mortgage assistance toward down payment and closing costs.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Colorado Springs, Colorado
Your Colorado Springs loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Colorado mortgage license (#152318). See our full licensing & disclosures for details.
Meet Ivan HendrenColorado Springs Mortgage FAQ
Why are VA loans so common in Colorado Springs?
Colorado Springs is home to Fort Carson, Peterson Space Force Base, and the Air Force Academy, giving it a large military population. VA loans offer eligible borrowers no down payment, no PMI, and competitive rates.
What is the conforming loan limit in Colorado Springs for 2026?
El Paso County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Loans above that amount are financed as jumbo loans.
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