Mortgage broker in Colorado Springs · Licensed in 14 states

More mortgage options. One broker who knows your full file.

Cole Simmons is a Colorado Springs mortgage broker with Edge Home Finance, licensed in 14 states. I compare purchase, refinance, VA, FHA, USDA, construction and investor loan options, explain the payment and closing-cost tradeoffs, and guide your file from the first plan through closing.

Plan my mortgage: book a call Ready? Apply securely

A 30-minute conversation about your goal, timeline and next step. No obligation. Send sensitive documents only through the secure loan portal.

Purchase
Refinance & equity
VA
Investor
Construction

Cole Simmons, Mortgage Broker with Simmons Mortgage Solutions and Edge Home Finance

Broad experience Across mortgage lending platforms

4.94/5 Across 72 published reviews

14 states Licensed service through Edge Home Finance

Broker access Multiple wholesale lending paths to compare

Start where you are

What should the mortgage help you do?

Choose the closest fit. I’ll help with the details, because mortgages are rarely polite enough to stay inside one box.

Purchase planning

Compare the whole decision—not just the rate.

We line up conventional, VA, FHA and USDA paths by payment, cash to close, flexibility and the time you expect to keep the home.

Compare loan options

More than one lane

Loan options matched to the decision.

I compare programs by cash to close, payment, flexibility, qualification and how long you expect to keep the loan—not by whichever option is easiest to explain.

Primary home

Conventional

Flexible down-payment options, PMI planning, non-occupant co-borrowers and terms built around your expected time in the home.

Discuss conventional

Government-backed options

FHA and USDA

Credit-flexible FHA and eligible zero-down USDA financing, with cash to close, property eligibility and lender overlays reviewed up front.

Review FHA and USDA

Military homebuyers

VA purchase and refinance

Experienced guidance on entitlement, PCS timing, residual income, disability income, occupancy and VA refinance options.

Discuss a VA scenario

Current homeowners

Refinance and HELOC

Rate-and-term, cash-out and home-equity options tested against break-even time, total cost and the value of your current first mortgage.

Run the numbers

Real estate investors

DSCR and non-QM

Fixed or interest-only DSCR, bank-statement and alternative-documentation options for purchases, refinances and liquidity.

Explore the Investor Finance Desk

Build or improve

Construction and renovation

Financing paths for new construction or meaningful improvements, with draw, appraisal and permanent-loan details mapped early.

Discuss the project

A clear process

A clear plan from first call to closing.

You should understand the recommendation before you sign for it.

Tell me the full story

Goals, timeline, income, assets, current debts, property plans and the parts that do not fit neatly into a dropdown menu.

Compare real options

I show the tradeoffs in payment, cash to close, rate structure, mortgage insurance and break-even time in plain English.

Lock, document and execute

Once you choose the path, I coordinate the lender, processor, agents and title team and keep you updated through closing.

Depth when the file gets specific

The program matters. The structure matters more.

I am a full-service mortgage broker with focused experience in the scenarios where details, timing and lender fit make the biggest difference.

VA & military moves

VA is a meaningful part of my practice—not the only part. I help veterans and active-duty buyers plan around entitlement, PCS dates, future income, disability income and occupancy.

Purchase and refinance
Entitlement and restoration
Manual-underwrite planning

Self-employed & investors

When a standard tax-return calculation does not tell the whole story, I can compare bank-statement, DSCR and other alternative-documentation routes.

DSCR and interest-only options
Bank-statement programs
Rental and liquidity strategy

Construction & complex purchases

New builds, renovation plans, tight timelines and hard-to-place files benefit from early coordination across underwriting, appraisal, agents and title.

Construction and renovation
Multi-state moves
Scenario-specific lender fit

Client feedback

Responsive. Direct. Reliable when it counts.

4.94 out of 5 · 72 reviews

“Always on top of things and makes things happen.”

Roger A. · Toccoa, Georgia

“Made our process easy.”

Jacob B. E. · Fountain, Colorado

“Responsive and answered any questions we had thoroughly.”

Trisha L. D. · Florissant, Colorado

Read all published reviews

Meet your mortgage broker

Cole Simmons

I’m based in Colorado Springs and licensed through Edge Home Finance to serve borrowers across 14 states. My work spans first homes, military moves, repeat clients, refinances, construction and investor deals—because real life rarely stays inside one loan program.

I bring vast lending experience across mortgage platforms. I’m a University of Missouri graduate, and I believe good advice should be fast, specific and easy to understand. You will know why I recommend an option, what could change it and what comes next.

Outside of lending, I’m usually working on golf, piano or chess. The mortgage files are generally more forgiving than the scorecard.

Licensed service areas Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Missouri, North Carolina, Oklahoma, Oregon, Pennsylvania, Tennessee and Texas.

Book a call Apply securely

For mortgage loan officers

Curious what the broker model could change for your business?

Let’s compare your current platform with Edge using the numbers and day-to-day realities that matter: compensation, pricing, product range, technology, support, autonomy and room to build your brand.

Compare the economicsWalk through compensation, pricing and the cost of your current platform.
Compare the toolboxReview loan products, lender access, technology and operational support.
Compare the fitTalk honestly about autonomy, growth and what a transition would require.

Common questions

What borrowers usually ask first.

If your question is oddly specific, excellent. Those are usually the important ones.

Ask Cole directly

Do you specialize in VA loans?

Yes. VA financing represents a significant part of my historical production. I regularly work through PCS timing, entitlement, disability income, future employment, occupancy questions, manual underwriting and VA refinance options.

Can you help me outside Colorado?

Yes, when the property and borrower are in a state where I am licensed through Edge Home Finance. My current licensed states are listed above. Program availability still varies by lender, property and scenario.

What do I need for a preapproval?

Start with the secure application. The exact document list depends on how you earn income and where your funds are coming from, but it commonly includes income, asset, identification and housing information plus authorization to review credit. Do not email sensitive documents; use the secure portal.

Does an application commit me to a loan?

No. Completing the application gives me the information needed to review your options. You are not obligated to proceed simply because you applied.

Can closing costs be rolled into the loan?

Sometimes, depending on the loan type and transaction. Purchase loans often use a mix of borrower funds, eligible seller concessions and lender credits. Refinances may allow certain costs to be financed when the value and program support it. I will show the actual cash-to-close structure.

How fast can we close?

Fast closings are possible when the borrower file, appraisal, title work and property support the timeline. I set the target after reviewing the full scenario, then communicate that plan to every party.

Why do I not see sample rates here?

Mortgage pricing changes and depends on credit, property type, occupancy, loan size, equity, lock period and program. A sample rate without those details is mostly decoration. I provide a scenario-specific comparison instead.

Choose your next step

A call for the questions. A secure portal for the numbers.

Book directly on my Edge calendar if you want to talk first, or start the secure application when you are ready for a full review.

Book a 30-minute mortgage call Start secure application

Call or text(660) 229-0219 Email Colecsimmons@edgehomefinance.com

Make the numbers useful

How do you compare mortgage options?

Compare the rate, annual percentage rate (APR), lender fees, cash to close and total monthly payment together. Ask for Loan Estimates based on the same loan amount, loan type and rate-lock period. A lower payment alone does not show whether an option fits your budget or how long you expect to keep the loan.

What does one discount point cost?

One discount point equals 1% of the loan amount. On a hypothetical $400,000 mortgage, one point costs $4,000. The rate reduction available for that cost varies by lender and market; there is no fixed rate reduction per point.

How do you calculate a simple refinance break-even?

If a hypothetical refinance costs $6,000 and saves $200 per month, the simple break-even is 30 months ($6,000 ÷ $200). This shortcut does not account for changes in loan term, remaining balance, taxes, insurance, opportunity cost or the time value of money. Compare the full loan costs before deciding.

These examples explain arithmetic and are not rate quotes, offers or promises of savings. Learn more from the CFPB guide to the Loan Estimate and how mortgage rates are quoted.

How much is a 5% down payment?

On a hypothetical $500,000 purchase, a 5% down payment is $25,000, leaving a $475,000 base loan amount before any financed fees. A 10% down payment on that same price is $50,000, leaving a $450,000 base loan amount. These are arithmetic examples, not program eligibility requirements. Closing costs and prepaid expenses are separate from the down payment.

How many payments are in a mortgage term?

A 30-year loan scheduled for monthly payments has 360 payments; a 15-year loan has 180 payments. The shorter term usually requires a higher monthly principal-and-interest payment for the same loan amount and interest rate. Compare the actual Loan Estimates, including fees and your budget.

Where does Cole work, and when can we talk?

Based in Colorado Springs, Colorado, Cole serves borrowers in Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Missouri, North Carolina, Oklahoma, Oregon, Pennsylvania, Tennessee and Texas. Open 24 hours a day, 7 days a week. Scheduled consultations are also available: choose an available 30-minute call or call/text (660) 229-0219.

Edge Home Finance, LLC corporate office: 5860 Baker Road, Minnetonka, MN 55345. This is the company's corporate address; contact Cole to arrange an appointment.

Page updated October 24, 2026.