Business Details
Your Trusted Mortgage Broker in Colorado Springs
The Reichert Mortgage Team is a veteran-owned mortgage brokerage serving Colorado Springs and surrounding areas. With decades of combined experience in residential lending, we specialize in VA loans, FHA loans, conventional mortgages, and refinancing solutions. Our team prioritizes integrity and community service, offering down payment assistance programs and the Pikes Peak Heroes initiative to support military members and first responders.We provide personalized guidance through every step of the home buying process, leveraging our local market expertise to help clients secure optimal financing options. Our commitment to transparency and client education has established us as trusted advisors in the Colorado mortgage industry.
Services
VA Loans
Conventional Loans
FHA Loans
Jumbo Loans
Refinancing
First-Time Home Buyer Programs
Down Payment Assistance
Farm and Ranch Loans
Modular Home Loans
Construction Loans
Highlights and features
- Veteran-owned with 20+ years of military service experience
- Pikes Peak Heroes program offers appraisal fee assistance for first responders
- Licensed in CO, VA, FL, and TX with NMLS certification
- Specialize in VA loan expertise for military families
- Offer free mortgage education resources and calculators
What people say
Responsive to needs
Great communication
Stress-free process
Competitive rates
Military-friendly
Services
VA Loans
Specialized mortgage solutions for military veterans and active-duty personnel. These government-backed loans offer zero down payment requirements, competitive interest rates, and no private mortgage insurance. Our VA-approved brokers guide clients through eligibility verification, certificate processing, and closing procedures while leveraging military service benefits for optimal financing outcomes.
First-Time Home Buyer Programs
Comprehensive support for first-time homebuyers including FHA loans, down payment assistance, and educational resources. We connect clients with state-specific programs like CHFA, provide credit counseling, and offer tailored mortgage options that accommodate lower income thresholds and reduced down payment requirements for qualifying applicants.
Refinancing Services
Mortgage refinancing solutions to reduce monthly payments, shorten loan terms, or access home equity. Our brokers analyze current interest rates, credit profiles, and property values to determine optimal refinancing strategies while explaining associated costs and long-term financial implications for each client's unique situation.
Conventional Loans
Fixed-rate and adjustable-rate mortgage options for clients with strong credit profiles. These loans require minimum down payments starting at 5-20%, with flexible terms ranging from 10 to 30 years. Our team helps clients navigate conventional loan requirements, including private mortgage insurance considerations and debt-to-income ratio calculations.
Down Payment Assistance
Community-focused financial programs reducing upfront costs for eligible homebuyers. We administer assistance packages through state housing authorities and our Pikes Peak Heroes initiative, which covers appraisal fees for military personnel and essential workers purchasing primary residences in designated service areas.
People
Troy Reichert
Founder & Mortgage Broker
20-year Air Force veteran with $45M+ in residential loan experience. Specializes in VA loan programs and military mortgage benefits. Established the Pikes Peak Heroes initiative to support local service members through reduced closing costs and personalized financing solutions.
Questions
What VA loan benefits do you offer for military members?
We provide zero-down payment options, competitive interest rates, and no mortgage insurance requirements for qualified veterans. Our team specializes in VA loan eligibility verification and certificate processing.
How can first-time homebuyers qualify for assistance programs?
We connect clients with state-specific programs like CHFA, offering down payment and closing cost assistance. Eligibility depends on income limits, credit scores, and property location requirements.
What documents are needed for mortgage pre-approval?
We require recent pay stubs, bank statements, W-2 forms, and government ID. Self-employed applicants need tax returns and profit/loss statements for the past two years.
Do you offer refinancing options for existing homeowners?
Yes, we provide rate-and-term refinancing, cash-out options, and streamline programs for clients seeking lower payments or improved loan terms.
What areas do you service beyond Colorado Springs?
We operate in Colorado statewide, plus Virginia, Texas, and Florida. Our NMLS licensing allows us to serve clients in these states through remote closing capabilities.
How does the Pikes Peak Heroes program work?
This initiative covers appraisal fees for active military, first responders, and educators purchasing homes. Eligible clients receive up to $750 in closing cost assistance when using our VA loan programs.
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