The Best Mortgage Lenders in Fountain, CO
Compare verified mortgage lenders serving Fountain, Colorado. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Fountain
Featured Mortgage Lenders
Cherry Creek Mortgage Co.
Cherry Creek Mortgage Company, LLC
Cherry Creek Mortgage has been serving Colorado homebuyers for over 40 years with exceptional customer satisfaction ratings. They maintain a strong local presence in the Colorado Springs metro area, which includes Fountain, and are known for their competitive rates and personalized service. Their team of experienced loan officers specializes in all major loan programs and provides comprehensive guidance through the entire mortgage process, making them a top choice for Fountain residents.
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Academy Mortgage
Academy Mortgage Corp.
Academy Mortgage has built an outstanding reputation in the Colorado Springs region with consistent high ratings for customer service and reliability. They serve the Fountain area with dedicated local loan officers who provide personalized attention and competitive loan options. Known for their efficient processing and wide range of mortgage products, they excel at helping both first-time homebuyers and experienced homeowners with purchase and refinance needs throughout El Paso County.
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Ent Credit Union
Ent Credit Union
As Colorado's largest credit union, Ent has deep roots in the Colorado Springs community and serves Fountain residents with exceptional mortgage services. They offer competitive rates and fees typical of credit unions, along with personalized member service. Their local branch network and experienced mortgage specialists provide comprehensive guidance through the home financing process, making them a trusted choice for El Paso County homebuyers seeking reliable, community-focused lending.
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Frequently Asked Questions
Common questions about mortgage lending in Fountain, CO
Are there any special mortgage programs for first-time homebuyers in Fountain, CO?
Yes, Fountain homebuyers can access Colorado Housing and Finance Authority (CHFA) programs offering down payment assistance and competitive interest rates. These programs are particularly valuable given Fountain's proximity to military bases, with some options specifically designed for veterans and active military personnel. Local lenders are well-versed in these programs and can help you determine eligibility.
How do mortgage rates in Fountain compare to the national average?
Fountain mortgage rates typically align with national averages but can be slightly influenced by Colorado's competitive housing market. Given Fountain's location in El Paso County and its appeal to military families and Colorado Springs commuters, local demand can sometimes create competitive lending environments. It's best to compare rates from both local Colorado lenders and national institutions.
What should I know about property taxes and insurance when getting a mortgage in Fountain?
Fountain homeowners pay El Paso County property taxes, which currently average around 0.55% of assessed value. Insurance costs can be slightly higher than national averages due to Colorado's wildfire and hail risks, which lenders factor into your total monthly payment calculation. Your mortgage lender should provide detailed estimates specific to Fountain properties during the pre-approval process.
Are there any local down payment assistance programs specific to Fountain homebuyers?
While there aren't Fountain-specific programs, El Paso County offers the EPCO Down Payment Assistance Program, which Fountain residents can utilize. Additionally, CHFA's down payment assistance grants and second mortgages are widely available in Fountain. Many local employers, including those at nearby military installations, may also offer housing assistance programs.
How does Fountain's military community impact mortgage lending options?
Fountain's proximity to Fort Carson and Peterson Space Force Base means many lenders offer specialized VA loans and understand military relocation timelines. Local lenders are experienced with VA lending processes and military pay structures, making the mortgage process smoother for service members. Some lenders even offer flexible credit requirements recognizing the unique financial situations of military families.
Nearby Cities
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Why Choose a Mortgage Lender in Fountain?
Local Market Knowledge
Lenders who understand Fountain's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Colorado.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Fountain and get competitive rates on your home loan.