A+ Rated
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
Before you call
Questions, answered
What does a mortgage broker do differently than a bank?
A bank can only offer its own loans. As a broker, I shop your scenario across 48+ wholesale lenders and bring you the one that fits your goals, your timeline, and your budget. You get one point of contact, me, from application to closing.
What does it cost to work with you?
Zero cost to you, and I don't charge any origination or application fees. My compensation is paid by the lender and is transparently disclosed on the disclosures, and I'll walk you through all of it line by line.
There is no cost or obligation to talk or get a pre-approval.
We talk so I understand your unique situation, then I send you the loan application and document request.
I process those and then send you an estimated fees worksheet with the pre-approval after our consult, and a Loan Estimate once you have a specific address.
Do I need to be a veteran to work with you?
Not at all. While VA loans are a big part of my business, I also originate conventional, FHA, Jumbo, DSCR, bank statement, Wealthbuilder and renovation loans for buyers and investors across Colorado!
How long does it take to close?
Most purchases and refinances close in 20 to 30 days, and some close in as little as 14. It really depends on your timeline and when we order the appraisal. I'll give you a realistic date up front, keep you updated along the way, and always be engaged on your transaction.
What do I need to get started?
A quick call or an online application is enough. There's no hard credit pull to get started. For a full pre-approval, I'll need income and bank documentation, and a photo ID.
For Veterans, I'll pull your COE from the VA or request your DD-214/NGB-22 if it is not available there.
Can I use my VA loan benefit more than once?
Yes. Your VA entitlement can be restored after you sell, and in many cases you can buy a second, or third, home with your VA eligibility while keeping your first one as a rental. That's especially useful for PCS moves. Try the VA entitlement calculator or call me and I'll run the numbers with you.
What credit score do I need for a VA loan?
The VA doesn't set a minimum score, but most lenders look for 580 to 620. Because I work with 48+ lenders, I can often find a fit when a bank or credit union says no. If your score needs work, I'll tell you exactly what to fix first.
Do I have to pay the VA funding fee?
Most borrowers do, and it can be rolled into the loan. Veterans with a compensable VA disability rating are exempt, along with a few other groups. Your Certificate of Eligibility shows your status, and I'll confirm it early so there are no surprises at closing.
Don't Hesitate to Start the Process Today
NMLS # 1084279
102 S Tejon Street, # 1100
Colorado Springs, Colorado, 80903
Call: 719-304-4900
Mon-Fri: 8am-7pm
Sat-Sun: 11am-4pm
