Home Financing & Mortgage Resources
Understand your options, compare rates, and take control of your home buying journey.
Buying a home is one of the biggest financial decisions you’ll make. We’re here to help you understand your options, compare rates, and take control of your home buying journey. Use our tools, tips, and trusted lender resources to make confident decisions.
Our Preferred Lenders
Marianne Elep-Turner
Mortgage Loan Originator
Bank Central – A Division of The Central Trust Bank
5278 N Nevada Ave Ste 100
Colorado Springs, CO 80918
Phone (719) 651-6757
Email: marianne.elep@centralbank.net
NMLS# 231308 | Company NMLS #407985
Stephanie Dombrowski
Mortgage Loan Officer
Ent Federal Credit Union
Phone: (719) 550-6485
Cell: (719) 649-4431
Fax: (719) 550-7485
Email: SDombrowski@Ent.com
NMLS ID # 459321
Lending Process
Here’s what to expect when working with us and our recommended lenders:
Pre-Approval – Understand your budget and strengthen your offer before you start house hunting.
Loan Application – Submit your information and documentation to the lender.
Processing & Underwriting – The lender verifies your details and evaluates the loan.
Approval & Closing – Final loan approval and closing on your new home.
Lending Options
Conventional Loans
Standard fixed- or adjustable-rate loans for buyers with good credit.
FHA Loans
Low down payment options for first-time buyers or those with moderate credit.
VA Loans
No-down-payment loans for veterans and active military, including options for waived VA funding fees.
USDA Loans
Affordable financing for homes in rural or designated areas.
Frequently Asked Questions
How long does pre-approval take?
Pre-approval usually takes 1–3 days depending on your documentation.
What credit score do I need?
Requirements vary by loan type, but most conventional loans prefer 620+ and FHA loans accept lower scores.
What’s the difference between fixed and adjustable rates?
Fixed rates stay the same for the life of the loan, while adjustable rates can change periodically.
How much down payment is required?
It depends on the loan type—some require as little as 0% (VA) and others 3–20% (Conventional/FHA).
