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Colorado Springs-based mortgage lender specializing in VA, FHA, USDA, conventional, and jumbo loans since 2002, with fast approvals and local service.
Data compiled from public sources
Integrity Mortgage & Financial Inc. has been operating as a Colorado-based mortgage lender and broker since 2002, establishing itself as a locally-focused provider in the Colorado Springs market. The company emphasizes personalized service and community knowledge as core differentiators in a competitive lending landscape. Their longevity suggests stability and operational experience navigating various market cycles and regulatory environments.
The company offers a comprehensive range of mortgage products including VA loans, FHA loans, USDA loans, conventional mortgages, and jumbo loans. They serve multiple borrower profiles including first-time homebuyers, existing homeowners seeking refinancing, and borrowers with listed needs (military, rural, or high-balance properties). Their service model includes online application capability, phone-based consultation, and quote requests, suggesting a hybrid digital-traditional approach to loan origination.
Integrity Mortgage distinguishes itself through consistently high customer ratings across multiple platforms (4.8 Google, 4.9 Facebook, 5.0 Yelp ratings with 587 total reviews). Customer testimonials emphasize listed communication, knowledgeable loan officers (named individuals like Shelley, Russell Rowe, Brad MacDonald, and James appear frequently), published application timing timelines, and attentive customer service that reportedly reduces borrower stress. Reviews highlight the company's willingness to handle "challenging" loans and provide guidance beyond standard loan processing.
As a mortgage lender, Integrity's primary limitation is geographic focus—they explicitly target Colorado consumers and don't appear to serve other states. Additionally, while reviews are uniformly positive, they provide limited detail about loan products, interest rates, fees, or comparison metrics that would help consumers assess competitive positioning. The company's scale and portfolio composition relative to national lenders remain undisclosed.
This is state-level context for Mortgages & Home Loans consumers in Colorado Springs, CO. It does not confirm that Integrity Mortgage & Financial Inc. or this specific location is licensed.
State regulator
Colorado Department of Regulatory Agencies - Division of Banking
Consumer protection
Colorado mortgages are regulated under the Colorado Residential Mortgage Loan Law (C.R.S. § 12-61-901 et seq.) and the Uniform Consumer Credit Code. Foreclosures are judicial proceedings in Colorado. Lenders must provide proper notice and opportunity for cure. The Colorado Department of Regulatory Agencies - Division of Real Estate regulates mortgage brokers and loan originators. FHA loans are available; VA loans are available and backed by the U.S. Department of Veterans Affairs.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Integrity Mortgage & Financial Inc. offers 10 services including VA mortgage loans (for military/veterans), FHA mortgage loans (government-insured), USDA mortgage loans (rural property financing), Conventional mortgage loans, Jumbo mortgage loans (high-balance properties), and 5 more.
Integrity Mortgage & Financial Inc. has profile signals associated with Colorado Springs area homebuyers and refinance borrowers seeking local, personalized service, Military personnel and veterans looking for VA loan experience context with experienced originators, First-time homebuyers who prioritize listed communication and hand-held guidance through the process, Borrowers with complex loan situations who need an originator willing to work through non-standard scenarios.
Key strengths: Established local lender with 20+ years operating history (since 2002) in Colorado Springs market; Consistently high ratings across Google (4.8), Facebook (4.9), and Yelp (5.0) with 587 stored reviews; Multiple listed loan programs available: VA, FHA, USDA, conventional, and jumbo loans. Areas to consider: Geographic limitation: appears to serve only Colorado, not available nationwide; Website lacks specific information about interest rates, APRs, fees, or loan terms for comparison.
In the Mortgages & Home Loans category, comparable providers include 719 Lending, Bay Equity Home Loans, Colorado Housing Assistance corporation. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Integrity Mortgage & Financial Inc. is profile signals for Colorado homebuyers and refinance borrowers who prioritize local service, listed communication, and relationship-based lending over rate shopping across national lenders. The main caveat is geographic limitation to Colorado and lack of published pricing/terms, requiring direct contact for rate and fee comparisons to verify competitive positioning.
Colorado Springs mortgage broker offering home purchase, refinance, and VA loan services with an emphasis on local, listed service and digital-first loan management.
Profile signals: Colorado Springs local homebuyers who value in-person relationships and local market experience context combined with digital convenience, Military veterans and active-duty personnel seeking VA loans with listed guidance
Full-service mortgage lender founded in 2007, licensed in 48 states and DC, offering personal relationship-focused home financing with multiple loan types.
Profile signals: First-time homebuyers seeking personalized mortgage guidance, VA and active military borrowers needing VA loan staff context
Colorado-based non-profit providing mortgage counseling, homebuyer education, and down payment/closing cost assistance loans for first-time homebuyers since 1982.
Profile signals: First-time homebuyers in Colorado with low to moderate incomes seeking down payment and closing cost assistance, Colorado homeowners experiencing mortgage payment difficulties or considering refinancing options
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
An interest rate that stays the same for the entire life of the loan. Your monthly payment never changes.
Fixed rates protect you from market changes. If rates go up, your payment stays the same. The tradeoff: fixed rates are usually slightly higher than starting variable rates.
Example
You get a 30-year mortgage at 6.5% fixed. Whether rates rise to 9% or drop to 4% over the next 30 years, your payment stays at $1,264/month on a $200,000 loan.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
An interest rate that can go up or down over time, usually tied to a benchmark like the prime rate. Your monthly payment changes when the rate changes.
Variable rates often start lower than fixed rates to attract borrowers, but they can increase significantly. Many people who got hurt in the 2008 crisis had adjustable-rate mortgages.
Example
You start with a 5/1 ARM mortgage at 5.5%. For the first 5 years you pay $1,136/month on $200,000. Then the rate adjusts to 7.5%, and your payment jumps to $1,398/month.
The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.
Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.
Example
Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A fee some lenders charge if you pay off your loan early. The lender loses the interest they expected to earn, so they penalize you for leaving early.
Always ask about prepayment penalties before signing. They can trap you in a high-rate loan even if you find a better deal to refinance into.
Example
Your mortgage has a 2% prepayment penalty for the first 3 years. If you refinance after year 2 on a $200,000 balance, you'd owe a $4,000 penalty fee.
Replacing your current loan with a new one, usually at a lower interest rate or with different terms. The new loan pays off the old one.
Refinancing can save thousands if rates drop or your credit improves. But watch for fees — a $3,000 refinancing cost needs to be offset by monthly savings.
Example
You have a $180,000 mortgage at 7.5% ($1,259/month). You refinance to 6% ($1,079/month), saving $180/month. With $3,000 in closing costs, you break even in 17 months.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
The fees paid when finalizing a home purchase or refinance — typically 2-5% of the loan amount. They include appraisal, title insurance, attorney fees, and lender fees.
Closing costs can add $6,000-$15,000 to a home purchase that buyers don't always budget for. Some can be negotiated or rolled into the loan.
Example
You buy a $300,000 home. Closing costs at 3% = $9,000. That includes: appraisal $500, title insurance $1,500, attorney $800, origination fee $3,000, taxes/escrow $3,200.
Upfront fees you pay to the lender at closing to buy a lower interest rate. One point = 1% of the loan amount and typically reduces your rate by 0.25%.
Points make sense if you plan to stay in the home long enough for the monthly savings to exceed the upfront cost. That breakeven point is usually 4-6 years.
Example
On a $250,000 mortgage at 6.5%: you pay 1 point ($2,500) to get 6.25%. Monthly payment drops from $1,580 to $1,539 — saving $41/month. Breakeven in 61 months (5 years).
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
An account managed by your mortgage lender that holds money for property taxes and homeowners insurance. A portion of each mortgage payment goes into escrow, and the lender pays these bills for you.
Escrow ensures taxes and insurance are always paid on time (protecting the lender's investment). Your monthly payment may go up if taxes or insurance increase.
Example
Your mortgage payment is $1,400: $1,050 principal+interest + $250 property taxes + $100 insurance. The $350 for taxes/insurance goes into escrow. The lender pays your tax bill in December from escrow.
A government-insured mortgage that allows lower down payments (as low as 3.5%) and lower credit score requirements (580+). The FHA insures the loan, reducing risk for lenders.
FHA loans make homeownership accessible for first-time buyers and those with imperfect credit. The tradeoff: borrowers are required to pay Mortgage Insurance Premium (MIP) for the life of the loan.
Example
You have a 620 credit score and $10,500 saved. On a $300,000 home: FHA lets you put 3.5% down ($10,500) vs. conventional requiring 5-20% down ($15,000-$60,000).
The ratio of your loan amount to the property's appraised value, expressed as a percentage. It tells the lender how much of the home's value they're financing.
LTV above 80% usually requires Private Mortgage Insurance (PMI), which adds $100-300/month. Lower LTV can mean lower lender risk and different rate context.
Example
Home value: $300,000. Down payment: $60,000. Loan: $240,000. LTV = 80%. You avoid PMI. If you only put $30,000 down (90% LTV), you'd pay PMI until you reach 80%.
Replacing your current mortgage with a new one, usually to get a lower rate, change the loan term, or pull cash out of your home equity.
A 1% rate reduction on a $250,000 mortgage saves ~$150/month ($54,000 over 30 years). But closing costs of 2-5% mean it can be useful to stay long enough to break even.
Example
You have a $300,000 mortgage at 7.5% ($2,098/month). Rates drop to 6%. Refinancing costs $8,000 in closing. New payment: $1,799/month. Monthly savings: $299. Breakeven: 27 months.
Insurance that protects the LENDER (not you) if you default on a mortgage with less than 20% down payment. You pay the premium, but it only covers the lender's loss.
PMI typically costs 0.5-1.5% of the loan per year and adds nothing to your equity. Once you reach 20% equity, you can request it be removed.
Example
On a $250,000 loan with 10% down, PMI at 0.8% = $2,000/year ($167/month). After 5 years, your home's value rises and your equity reaches 20%. You request PMI removal and save $167/month.
A mortgage backed by the Department of Veterans Affairs for eligible military members, veterans, and surviving spouses. Key benefits: no down payment required and no PMI.
VA loans are among the mortgage options with notable listed benefits — 0% down, no PMI, and rate claims to verify. They're earned through military service and can be used multiple times.
Example
A veteran buys a $350,000 home with a VA loan: $0 down, no PMI, 5.8% rate ($2,054/month). A comparable conventional loan with 5% down would require $17,500 down plus $175/month PMI.
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