VA Loans · Colorado
Colorado VA Loans — Zero Down, No PMI, For Those Who Served
If you served, you qualify for one of the best mortgage programs in America. VA loans require zero down payment, no monthly mortgage insurance, and the rates run lower than conventional. Forge originates VA loans across Colorado — Buckley Space Force Base, Fort Carson, Peterson SFB, Schriever, the Air Force Academy, and veteran communities across the Front Range.
0%
No PMI
Limits
Why VA Loans Are The Best Deal In Mortgage Lending
VA loans aren’t just “a benefit you earned” — they’re objectively the strongest mortgage product available. No other loan type combines zero down, no PMI, and competitive rates.
Zero Down Payment
You can buy a Colorado home with zero out of pocket on the loan. Closing costs may still apply, but many veterans negotiate seller credits to cover them.
No PMI
Conventional loans charge PMI if you put less than 20% down. FHA charges MIP. VA charges neither — just a one-time funding fee at closing.
Competitive Rates
VA rates run roughly 0.25-0.5% lower than conventional. On a $500,000 loan, that’s $80-160 less in monthly payment.
No Maximum Limits
VA loan limits were eliminated in 2020. VA loans now scale to whatever your entitlement and income support — including VA jumbo options.
Understanding The VA Funding Fee
The VA funding fee is a one-time charge that keeps the VA loan program self-sustaining. It’s the only “cost” the VA charges, and many veterans finance it directly into the loan amount.
| Military Use Profile | First-Time Use | Subsequent Use |
|---|---|---|
| Regular Military, 0% down | 2.15% | 3.30% |
| Regular Military, 5%+ down | 1.50% | 1.50% |
| Regular Military, 10%+ down | 1.25% | 1.25% |
| Reserves/Guard, 0% down | 2.40% | 3.30% |
Funding Fee Waivers
• Veterans with service-connected disability rating of 10% or higher: FEE WAIVED
• Purple Heart recipients: FEE WAIVED
• Surviving spouses of veterans who died in service: FEE WAIVED
Forge verifies funding fee waiver eligibility during pre-qualification. Many veterans don't realize their disability rating waives the fee entirely.
Your VA Loan With Forge In 5 Steps
01
Pull Your COE
Certificate of Eligibility. Forge requests this through the VA portal — usually 1-3 business days. Often instant if you’ve used VA loans before.
02
Pre-Qualification
20-minute call. Soft credit pull, income review, residual income check, funding fee waiver confirmation if applicable.
03
Pre-Approval In 24 Hours
Underwriter-reviewed VA pre-approval letter you can write offers with.
04
House Hunting + VA Appraisal
VA loans require a VA-specific appraisal. The appraiser confirms the home meets VA Minimum Property Requirements.
05
Close In 30-45 Days
Sign closing docs, pay funding fee (if not waived/financed), get keys.
REAL CLIENT REVIEWS
What Colorado Homeowners Say
COMMON QUESTIONS
Frequently Asked Questions
Can I use a VA loan more than once?
Yes. VA entitlement is completely reusable. You can have multiple VA loans simultaneously up to your full entitlement, or restore it by paying off a previous VA loan.
How does Buckley Space Force Base affect VA loans in Aurora?
Buckley anchors a large active-duty and veteran community. Forge originates VA loans regularly for Buckley personnel and is familiar with BAH income rules and PCS timing factors.
Ready When You Are
Your Goals. Our Game Plan.
Schedule your free 30-minute consultation. We’ll review your credit, income, and goals — and map you to the right loan and DPA program. No pressure, no obligation.