The VA Loan Broker

Fort Carson Families Trust

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Want to live in Fort Carson?

Why Fort Carson is a great place to live

Fort Carson, Colorado, is a dynamic military community nestled at the base of the Rocky Mountains, adjacent to Colorado Springs.

Known as the "Best Hometown in the Army," it offers a unique blend of military tradition, natural beauty, and access to urban amenities.

The installation provides a supportive environment for service members and their families, with comprehensive services, housing, and recreational facilities. Its proximity to Colorado Springs ensures residents have access to a wide range of shopping, dining, and cultural experiences.

Outdoor enthusiasts appreciate the area's scenic landscapes, offering opportunities for hiking, biking, and exploring nearby parks.

The community's commitment to education and family support makes Fort Carson a desirable location for military families seeking a balanced and fulfilling lifestyle.

Our Relentless Commitment Is To Provide You With
The Best Possible Services

Fort Carson Schools

Dedicated School District
Fort Carson is served by Fountain-Fort Carson School District 8, which operates several schools on post, including Abrams, Mountainside, Patriot, and Weikel Elementary Schools, as well as Carson Middle School. High school students attend Fountain-Fort Carson High School in nearby Fountain.
Academic Performance
Fountain-Fort Carson High School is ranked #2,173 nationally, reflecting its commitment to academic excellence and student achievement.
Advanced Coursework Opportunities
The high school offers a range of advanced courses, including Advanced Placement (AP), Concurrent Enrollment, and Career and Technical Education (CTE) programs, preparing students for post-secondary success.
Student Growth Metrics
In recent assessments, over 60% of 10th and 11th graders at Fountain-Fort Carson High School improved their PSAT scores from the previous year, indicating positive academic growth.
Support for Military Families
The district provides resources and programs tailored to the needs of military-connected students, ensuring smooth transitions and continuous support.
Community Engagement
Schools in the district actively engage with the community through events, volunteer opportunities, and partnerships, fostering a collaborative educational environment.

Fort Carson Lifestyle

On-Post Dining Options
Fort Carson offers various dining facilities, including the Culinary Outpost and multiple fast-food outlets, providing convenient meal options for residents.
Commissary and Exchange
The Fort Carson Commissary and Main Exchange serve as primary shopping destinations on post, offering groceries, household goods, and retail items at competitive prices.
Nearby Shopping Centers
Residents have easy access to off-post shopping venues, such as the Cheyenne Mountain Shopping Center and various retail outlets in Colorado Springs.
Local Dining Scene
The surrounding area boasts a diverse culinary landscape, with restaurants offering a range of cuisines to satisfy various tastes.
Outdoor Recreation
Fort Carson's location provides ample opportunities for outdoor activities, like North Cheyenne Canyon Park and the base golf course!
Community Events and Programs
The installation hosts numerous events and programs throughout the year, fostering community engagement - check out he USO as well!

Popular Areas for Military Families
Near Fort Carson

80817

Fountain

Just south of post, minutes to Fort Carson's south gates via I-25 and Highway 16
Newer subdivisions and Fountain-Fort Carson School District 8
Median sale price around $438K
Popular with junior enlisted and NCO families

80911

Security-Widefield

About 10 to 15 minutes to post via Highway 85/87 or I-25
Established neighborhoods and Widefield School District 3
Typical home value around $380K
High VA loan use, so sellers know the process

80906

Stratmoor Hills / Cheyenne Meadows

Next to Fort Carson's north gates along Highway 115
Strong rental market if you PCS before selling
Easy access to I-25 for city commuting
Mix of established homes and townhomes

81007

Pueblo West

About 35 to 45 minutes to post via I-25
Larger lots and acreage, with many addresses USDA eligible
Median sale price around $400K
The most house for the money within a reasonable commute

80925

Lorson Ranch / Eastonville

Newer community southeast of Fort Carson
Affordable new builds: $340K–$470K
Popular with growing families
Quick access to Fort Carson's east gate

Your VA Loan Timeline

From First Call to Keys in Hand

Get Your Certificate of Eligibility (COE)

Vic can pull this directly in about 5 minutes with your service info — no paperwork mailing required. This confirms your VA entitlement and starts the process.

~5 minutes

Pre-Approval Letter

Vic reviews your income (including BAH), credit, and entitlement. You get a pre-approval letter showing sellers you're serious and ready to compete in the CS market.

Same day - how soon you complete the application and documentation?

Find Your Home

Your realtor goes to work. Vic stays available to run payment scenarios and advise on any offer. No waiting 24 hours for a callback.

Your timeline

VA Appraisal & Underwriting

Vic orders the VA appraisal and submits your loan. The VA appraisal protects you — if the home doesn't appraise, you don't have to buy it.

Underwriting 24-48 hours, appraisal 7 business days

Clear to Close

Review final numbers, sign closing documents, and get your keys. Total process from application to keys: 21–30 days in most cases.

14–30 days total.

“Trust another Vet with your VA Loan!"” — Vic Malone

Does BAH count as income for VA loan qualification?

Yes — BAH (Basic Allowance for Housing) counts as qualifying income for a VA mortgage without being taxed. This significantly increases your buying power. Vic factors this in accurately from the very first call.

Can I use my VA benefit more than once?

Absolutely. Your VA benefit is reusable. When you sell your current home and pay off the VA loan, your full entitlement is restored. If you're PCS'ing and want to keep your home as a rental, Vic can explain how remaining entitlement works for a second VA loan.

What is the VA funding fee, and can it be waived?

The VA funding fee (typically 2.15%–3.3%) can be rolled into your loan. Service-connected disabled veterans are completely exempt — Vic verifies your disability rating at the start of the process, potentially saving you thousands.

How competitive is a VA offer in the Colorado Springs market?

VA offers have become much more competitive in recent years. Vic provides a strong pre-approval letter and is available to speak directly with listing agents to address concerns. He also advises on offer strategies specific to VA buyers in fast-moving markets.

Can I buy a duplex or multi-family home with a VA loan?

Yes — you can purchase up to a 4-unit property with a VA loan as long as you occupy one unit as your primary residence. This is one of the best wealth-building strategies for active-duty members. Vic has helped buyers use this strategy in Colorado Springs.

How quickly can Vic close around the PCS date?

Vic prioritizes military closings around PCS timelines. With a complete file, closings in 14–25 days are achievable. The key is starting the pre-approval process as early as possible — Vic can often begin your file 60–90 days or more before your report date.