Colorado Home Loans Done Right

Local broker. Dozens of lenders. One phone call to Vic.

How can I help you?

Meet Vic Malone, CAPT, USN (ret)

Owner/Broker of Peak Seven Mortgage

After a lifetime of Service, I have a deep commitment to my clients' financial success and make it my mission to guide them to the best loan options available. I have a real enthusiasm for supporting individuals and families in securing loans that fit their unique situations. My job is to offer you personalized advice and walk with you every step of the way during the loan process.

Understanding the complex world of mortgages can be tough, but that's where I come in. I believe in honesty, being completely open, and always communicating clearly, so you can trust the advice I give. I'm skilled at breaking down complicated loan terms and concepts, making sure you're informed and comfortable with the decisions you're making.

Whether you're in the market for a new home, looking to invest in your business, or just aiming to manage your money better, I'm here to find the right financial solutions for you. I pride myself on excellent customer service and aim to build lasting relationships with my clients.

Colorado Springs Market Pulse: October 2026

The Autumn Shift & Buyer Opportunity

As we move deeper into October 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

WHAT TO EXPECT?

My Offer To You

Begin your journey to financial security as I help you navigate the world of mortgages, providing customized solutions, clear communication, competitive rates, and constant support.


VA LOAN

VA loans provide great benefits for Veterans and Active Service Military. VA loans are backed by Veterans Affairs and are designed to serve the men and women who served our country.


FHA LOAN

If you need a mortgage but don’t have the savings and credit needed to qualify for a traditional home loan, you may be able to get an FHA loan and save BIG


CONVENTIONAL LOAN

A conventional mortgage can be a great option for buyers who have excellent credit and ample savings. If you are financially stable, a conventional loan may be the most economic mortgage option.


DSCR

LOAN

A Debt Service Coverage Ratio (DSCR) loan qualifies you based on the rental income the property generates — not your personal income, tax returns, or employment status.

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: By Appointment

Peak Seven Mortgage

NMLS # 1712479

founded 2018

Email: [email protected]