Mortgage Broker in Colorado Springs, Colorado

Broker House Mortgage is a local mortgage brokerage in downtown Colorado Springs. We shop your loan across multiple wholesale lenders instead of selling one bank's menu — so the VA loan, the CHFA down payment assistance, the 3%-down conventional loan, and the renovation loan all get priced and underwritten where they fit best. Hans Fetterhoff has been in the mortgage business for over 20 years, has lived in Colorado Springs for over 20 years, and has helped thousands of families into homes here.

Ready to skip ahead? Call Hans at (719) 686-3652 or start your application online.

What loan are you here for?

• Buying your first home? Start with the path, the real cash-to-close math, and the five routes compared — first-time home buyer loans in Colorado Springs.
• Military or veteran? No down payment, no monthly mortgage insurance, and the 2026 funding fee table — VA loans in Colorado Springs.
• Need help with the down payment? CHFA grants and deferred second mortgages, the El Paso County income limits, and how CHFA compares to local programs — CHFA loans and down payment assistance.
• Rebuilding credit, or short on down payment? 3.5% down at a 580 score, honest mortgage-insurance math, and the manual-underwriting options most lenders skip — FHA loans in Colorado Springs.
• Solid credit and want mortgage insurance that ends? 3% down options, HomeReady and Home Possible, and PMI that cancels — conventional loans in Colorado Springs.
• Buying a home that needs work? 203(k), HomeStyle, CHOICERenovation, and VA renovation loans compared on one page — renovation loans.
• Building instead of buying? One closing covers construction and converts to your permanent loan — One-Time Close construction loans.
• Already own? The break-even math on refinancing, including dropping FHA's MIP — refinancing your home.

Why use a broker instead of a bank or an online lender?

A bank sells its own products. A national online lender sells its own products faster. A broker works for the borrower and shops the wholesale market, where lenders compete for your file. What that means in practice:

• More than one door. Every lender layers its own overlays — extra rules on top of the program guidelines — on credit scores, condos, income types, and property condition. A file that stalls at one lender is often routine at another. We take your file to the lender whose guidelines fit it.
• Both systems, both programs. Fannie Mae and Freddie Mac don't always agree; neither do the wholesale lenders' pricing and turn times. We run the comparisons instead of guessing.
• Local knowledge that changes outcomes. Metro district tax bills that move a monthly payment. Which condo projects pass agency review. How Fort Carson PCS timelines and BAH actually fit a purchase. Appraisal patterns in Fountain versus Briargate. A call center reads the same guidelines we do — it doesn't close loans on these streets every week.
• A person, in an office. 529 N Tejon St, downtown. You can sit across the desk from the broker handling your loan — Hans Fetterhoff, or loan officer Valen Gonzales — instead of re-explaining your file to a new voice on every call.

How it works

1. A real conversation first. Fifteen minutes on the phone: what you're buying, where, your timeline, your numbers. You get the honest route — including when the honest route is "not yet, and here's the plan."
2. Pre-approval with the math shown. We verify income, assets, and credit, then run the routes you qualify for side by side — down payment, mortgage insurance, assistance programs, total cost — so the choice is arithmetic, not salesmanship.
3. An offer sellers take seriously. A documented pre-approval, a local lender the listing agent can actually reach, and concessions structured before signatures.
4. Closing, then staying in touch. We shepherd the file through appraisal and underwriting to the closing table — and after closing, we're the office that checks in at your first payment and reviews your mortgage with you every year.

Who we help in the Pikes Peak region

First-time buyers stretching a down payment across CHFA assistance and seller concessions. Soldiers and airmen buying near Fort Carson, Peterson, and Schriever on VA eligibility and PCS timelines. Families upsizing in Briargate, Wolf Ranch, and Banning Lewis Ranch who need the metro-district tax picture priced in before the offer. Investors running DSCR loans on rental cash flow. Builders' buyers and land owners financing a new build in Falcon, Peyton, and Black Forest with a single close. Homeowners refinancing out of FHA mortgage insurance or into a renovation loan that finally fixes the kitchen.

We serve Colorado Springs first — and Pueblo and the Denver metro for the buyers and partners who ask us there.

Frequently asked questions

What's the difference between a mortgage broker and a mortgage lender?

A lender funds loans from its own menu and its own guidelines. A broker is licensed to shop multiple wholesale lenders for you — comparing guidelines, overlays, and pricing across lenders — and then works your file through the lender that fits best. Same programs (VA, FHA, conventional, USDA), more than one place to take them.

How fast can I get pre-approved?

Once we have your documents, we get to work on your pre-approval right away. Straightforward files can come together quickly — sometimes the same business day — but the honest timeline depends on your file, and we'd rather give you a pre-approval that survives underwriting than a fast letter that doesn't. The application takes a few minutes online.

Which areas do you serve?

Our office is in Colorado Springs and most of our loans are in El Paso County — Colorado Springs, Fountain, Security-Widefield, Falcon, Peyton, Monument, Manitou Springs, and Woodland Park. We also regularly serve Pueblo and the Denver metro.

I'm a first-time buyer. Where do I start?

With the numbers, before the house hunt — our first-time buyer page walks the whole path, and our free first-time buyer webinar goes deeper with live Q&A: register here.

Talk to a local broker before you tour

Call Hans at (719) 686-3652, start your application online, or read more about Hans Fetterhoff and the Broker House team.

You're Better Off With Fetterhoff.

By Hans Fetterhoff, Mortgage Broker, NMLS# 273273 — Broker House Mortgage

Educational information only — not a commitment to lend. All loans are subject to credit review, underwriting approval, and property appraisal. Program terms and figures were verified at the sources noted on October 28, 2026, and can change; confirm current terms when you apply.

Hans Fetterhoff | Mortgage Broker | CO License #100009597 | NMLS# 273273
Lender Works, LLP dba Broker House Mortgage | Company NMLS# 2002619
529 N Tejon St, Colorado Springs, CO 80903 | 719-686-3652 | brokerhousemortgage.com
Regulated by the Division of Real Estate
Equal Housing Opportunity
Verify licensing at NMLS Consumer Access: www.nmlsconsumeraccess.org

Last verified: October 28, 2026