Business Details
Veteran-Owned Mortgage Brokers in Colorado Springs
The Reichert Mortgage Team is a veteran-owned mortgage brokerage firm dedicated to providing personalized home loan solutions in Colorado Springs and beyond. With a focus on integrity, service, and community, we specialize in VA loans, conventional loans, FHA loans, and refinancing opportunities. Our team combines decades of industry experience with a commitment to helping first-time homebuyers, military veterans, and families achieve homeownership.We prioritize transparent communication, competitive rates, and tailored guidance throughout the mortgage process. Our local expertise extends to Colorado, Virginia, Texas, and Florida, and we actively support the community through initiatives like the Pikes Peak Heroes program, which offers home loan benefits to first responders, educators, and military personnel.
Services
VA Loans
Conventional Loans
FHA Loans
Jumbo Loans
Refinancing
First-Time Home Buyer Programs
Farm and Ranch Loans
Modular/Manufactured Loans
Down Payment Assistance
Pikes Peak Heroes Program
Highlights and features
- Veteran-owned team with 20+ years of military and mortgage industry experience
- Specialize in VA loans with no down payment and competitive interest rates
- Local Colorado Springs experts serving El Paso County and surrounding areas
- Offer down payment assistance and first-time homebuyer programs
- Pikes Peak Heroes program provides appraisal fee savings for community heroes
Associations and certifications
- VA-Approved Mortgage Broker
- NMLS
- Colorado Mortgage License
What people say
Responsive to needs
Great rate
Stress-free process
Honest and dependable
Top notch service
Services
VA Loans
VA loans provide military veterans and active-duty personnel with zero-down payment options and competitive interest rates. Our VA-approved brokers guide clients through eligibility requirements, certificate processing, and closing. These government-backed loans eliminate private mortgage insurance requirements while accommodating lower credit scores, making homeownership accessible for service members and their families.
Conventional Loans
Conventional loans suit buyers with strong credit seeking fixed-rate or adjustable-rate mortgages. We offer terms from 10-30 years with flexible down payment options starting at 3%. Our brokers help clients avoid private mortgage insurance by structuring 20% down payments or exploring lender-paid alternatives while securing favorable rates for primary residences and investment properties.
FHA Loans
FHA loans enable low-to-moderate income borrowers with minimum 580 credit scores to purchase homes with 3.5% down. Our team specializes in FHA-insured mortgages that include upfront mortgage insurance premiums. We assist first-time buyers in Colorado Springs and rural areas to access affordable financing while meeting federal housing administration requirements for property condition and appraisal standards.
Refinancing
Our refinancing services help homeowners reduce monthly payments, switch loan types, or access equity. We offer rate-and-term refinancing for improved interest rates and cash-out refinancing for major expenses. The process includes evaluating current mortgage terms, credit profiles, and home equity to determine optimal refinancing strategies while minimizing closing costs and documentation requirements.
First-Time Home Buyer Programs
We provide specialized support for first-time buyers through CHFA down payment assistance, FHA loan education, and VA loan guidance. Our programs include mortgage credit score counseling, debt-to-income ratio analysis, and property selection assistance. We help clients navigate eligibility requirements for government-backed loans while offering calculators and educational resources to simplify the homebuying journey.
People
Troy Reichert
Founder & Mortgage Broker
A 20-year Air Force veteran, Troy Reichert established The Reichert Mortgage Team to serve Colorado Springs families and veterans. With $45M+ in residential loans closed, he specializes in VA, FHA, and conventional loan programs while leading community initiatives like the Pikes Peak Heroes program.
Michelle Guldan
Mortgage Loan Officer
Michelle Guldan brings mortgage industry expertise since 2019, helping clients achieve homeownership through strategic loan solutions. A military spouse, she understands relocation challenges and focuses on purchase, refinance, and VA loan processes with personalized client support.
Zakia Rice
Mortgage Loan Processor
Zakia Rice specializes in loan processing, ensuring smooth documentation workflows for prospective homeowners. As a dedicated team member, she focuses on accurate file preparation and timely submission to facilitate efficient mortgage closings for Colorado residents.
Katie Wadman
Administrative Assistant
Katie Wadman provides operational support as a Colorado native with cosmetology background. Her local knowledge and organizational skills contribute to client communication and administrative efficiency within the mortgage team's Colorado Springs office.
Questions
What mortgage loan programs do you offer?
We offer VA loans, conventional loans, FHA loans, jumbo loans, farm/ranch loans, and refinancing options. Our specialists also handle first-time homebuyer programs and manufactured home financing.
Are you a VA-approved mortgage lender?
Yes, we're a VA-approved mortgage broker with expertise in VA loan requirements, including eligibility verification, certificate processing, and appraisal standards for veterans and active-duty personnel.
Do you offer down payment assistance?
Yes, we provide down payment assistance through programs like CHFA and our Pikes Peak Heroes initiative, which covers appraisal fees for military members and community heroes.
Can first-time homebuyers get help?
Absolutely. We specialize in first-time homebuyer education, FHA loan programs, and mortgage credit score counseling with resources tailored to Colorado's housing market.
What states do you service?
We operate in Colorado, Virginia, Texas, and Florida, offering localized mortgage solutions while maintaining our Colorado Springs headquarters for personalized client support.
How do I start the pre-approval process?
Begin by submitting our online pre-approval application or contacting our team directly. We'll review your financial documents, credit history, and homeownership goals to determine qualifying loan amounts.
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