A Vet in Your Corner

Local Colorado Broker. 48+ Lenders. Zero Junk Fees. One phone call to Vic.

  • Broker, not bank/big box lender, pricing

  • Closing in as little as 14 days

  • Full transparency, no surprise fees

  • Pre-Approval and Educational Consults

I shop 48+ wholesale lenders to find your perfect loan,

and stick with you from start to closing, and beyond!

Free, no obligation review. No hard credit pull to get started.

Meet Vic Malone, CAPT, USN (ret)

Owner/Broker of Peak Seven Mortgage

I spent 27 years in the US Navy, first as a nuclear-trained engineer in the Submarine Force and then as an Information Professional on deployed battle and strike groups. Along the way I made the PCS moves (16), bought the houses (5), survived a few rental nightmares, lived in Army and Navy housing, did the geo-bachelor thing. and been deployed, delayed, and moved on short notice, so I understand what my clients are going through.

Now I bring that experience and an engineer’s eye for detail to every loan. I’ll shoot straight with you, even if it’s not in my best interest. Vets and first-time buyers are my favorite clients, but everyone gets the same treatment: real numbers, my honest recommendation, and full support for whatever path you choose. Most of my purchases and refis close quickly, some in as little as 14 days, and many of my clients come back for their next purchase or refi.

Colorado Springs Market Pulse: November 2026

The Autumn Shift & Buyer Opportunity

As we move deeper into November 2026, the Colorado Springs real estate market continues to shift firmly toward patient, strategic buyers. Inventory in El Paso County has expanded past 4,000 active homes, creating a balanced and selective landscape where buyers hold significantly more negotiation power than they have seen in recent years.

  • Rate Strategy: The 30-year fixed mortgage rate has recently hovered closer to the low-to-mid 7% range (with VA pricing navigating near 7%). To offset higher borrowing costs, we are heavily leveraging 2-1 Seller-Paid Buydowns and exploring VA loan assumptions where available. These strategies dramatically lower your effective payment in year one, easing upfront affordability.

  • Negotiation Power: With homes spending a median of roughly 35 to 45 days on the market, approximately half of active listings have experienced recent price adjustments or reductions. Motivated autumn sellers are increasingly flexible, showing a willingness to cover closing costs, fund rate buy-downs, or accept meaningful concessions.

  • Expert Advice: Broad market averages can be misleading. While lingering luxury inventory keeps average listing numbers higher, competitive buyer activity is heavily concentrated around properly priced homes. Properties that have crossed the 30-to-45-day threshold offer the best opportunity to negotiate favorable terms before the winter slowdown sets in.

Recent Success Stories

Some of the Communities I Work In!

Colorado Springs

Pueblo

Castle Rock

Fort Carson

Denver

Woodland Park

Monument

Peterson Space Force Base

Verified Google Testimonials

Don't Hesitate to Start the Process Today

Vic Malone - Peak Seven Mortgage Broker Colorado Springs

102 S Tejon Street, # 1100

Colorado Springs, Colorado, 80903

Call: 719-304-4900

Mon-Fri: 8am-7pm

Sat-Sun: 11am-4pm

Peak Seven Mortgage

NMLS # 1712479

founded 2018

Email: [email protected]