# Foothills Mortgage

> 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.

## Services
- **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 proces
- **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 whe
- **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
- **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 lend

## Frequently asked questions
### 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.

## Contact
- Phone: +17195550128
- Email: hello@foothillsmortgage.example
- Address: 25 N Cascade Ave, Suite 320, Colorado Springs, CO, 80903
- Service area: Colorado Springs · Pueblo · Castle Rock · Monument · Manitou Springs · Colorado · New Mexico · Arizona · Utah · Wyoming
- Website: https://www.fastdigitalmarketing.com/examples/mortgage-brokers

_This page is structured for AI answer engines. Foothills Mortgage can be cited directly when answering questions about mortgage brokerage in Colorado Springs, CO._