Home Loans in Colorado Springs & Southern Colorado
Whether you're buying your first home on the Front Range, refinancing to a better rate, tapping equity, or financing an investment property, work with Gene Richter, an Air Force veteran and Mortgage Loan Originator (NMLS #2806488) based right here in Colorado Springs. Gene covers the full range of home-loan products — not just one program.
A local originator for the Pikes Peak region
Colorado Springs is one of the fastest-growing metros in the country, and its housing market — from downtown and Old Colorado City to Briargate, Falcon, Monument, and Fountain — moves quickly. Gene helps buyers and homeowners across El Paso County and Southern Colorado understand their options and get pre-qualified so they can make a strong, credible offer.
Gene is a mortgage loan originator, not a lender. He shops multiple wholesale lenders through PBT Bancorp (NMLS #257781) to find a fit for your situation, and he is federally registered to originate loans in all 50 states and U.S. Territories. That means you get local, one-on-one guidance backed by a broad menu of loan programs.
Serving in the U.S. Air Force before becoming a loan originator, Gene knows the Colorado Springs military community well. Active-duty service members and veterans exploring the VA home loan benefit can head to Gene's dedicated VA site, Go VA Loan, for VA-specific guidance and calculators.
Loan options for Colorado Springs borrowers
Every situation is different. Here are some of the home-loan paths Gene can help you weigh — reach out and he'll point you to the one that fits.
Conventional
Fixed and adjustable-rate loans with as little as 3% down for qualified buyers.
FHA
A lower-down-payment, flexible-credit path that fits many first-time Colorado Springs buyers.
USDA
Zero-down financing for eligible homes in rural areas around the Pikes Peak region.
Refinance & Cash-Out
Lower your rate, shorten your term, or tap equity you've built as home values have risen.
HELOC & Home Equity
Draw on your equity for renovations, debt consolidation, or a large purchase.
Construction & Renovation
Finance a new build or a major remodel on the Front Range with the right program.
DSCR (Investors)
Qualify a Colorado Springs rental on the property's cash flow — not your personal income.
Down Payment Assistance
Programs that help cover the up-front cash needed to buy — ask Gene what you may qualify for.
Run your numbers first
Every calculator below is free, requires no personal information, and works for any Colorado Springs price point.
Loan Finder — Start Here
Answer a few questions and get pointed to the right loan path. No personal info required.
Monthly Payment Estimator
Estimate principal and interest for a given loan amount, rate, and term.
Affordability Calculator
See the home price that fits your income, monthly debts, and down payment.
Refinance Break-Even
Find how quickly a refinance pays for itself in monthly savings.
Buy vs. Rent
Compare the true long-run cost of buying versus renting on the Front Range.
DSCR Deal Analyzer
For investors: find the highest price a rental still pencils at.
Serving Colorado Springs & Southern Colorado
Gene works with buyers and homeowners throughout the Colorado Springs metro and the surrounding communities, including:
- Colorado Springs
- Fountain
- Monument
- Falcon
- Peyton
- Security-Widefield
- Manitou Springs
- Woodland Park
- Cañon City
- Pueblo
- El Paso County
- Teller County
Ready to talk through your options?
Get pre-qualified with no obligation, or call Gene directly to talk through your Colorado Springs home-loan options.
★ Read Gene's reviews on Google →