Courtney Gibbs Colorado Springs Realtor

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Courtney Gibbs Colorado Springs Realtor

Colorado REALTOR® with Navy roots, a Midwest heart ♡ & a love for dogs. You deserve a friend in this process, not just an agent. 🏡♡

As a mama of 3 who understands the chaos of moving, I help families feel supported every step of the way.

04/17/2026

🚨 VA ASSUMABLE – NO SUBSTITUTION REQUIRED
3.6% interest rate
💰 $2,345/mo PITI
💸 Only $43K gap

This one is a solid opportunity for anyone looking to lock in a lower rate without needing full entitlement 👀

Currently operating as an Airbnb, and the sellers are making it even better:
✔️ Furniture negotiable
✔️ All kitchen appliances included
✔️ Washer & dryer included
✔️ Pergola stays
✔️ PAID OFF solar panels = lower utilities ☀️

Updated, move-in ready, no HOA, and a private backyard with no rear neighbors 🙌🏼

If you’ve been trying to make an assumable actually make sense… this is one to look at.

📲 Schedule a showing with me 360-607-8133

Listed by Lauren Jerden-Myers

04/16/2026

Did you know? 🇺🇸

Even with a VA assumable loan, you can combine entitlement with a co-borrower 👀

That means if you don’t have enough entitlement on your own to cover the loan balance, bringing in another VA-eligible borrower can help bridge that gap and make the assumption possible.

This is a huge workaround a lot of buyers don’t realize exists.

Of course, every situation is a little different, but it’s definitely an option worth exploring if an assumable almost works… but not quite.

If you want me to run numbers or look at a specific scenario, feel free to text me anytime 🫶🏼 3606078133

03/23/2026

Closed on a home for one of my military buyers today 🇺🇸

Picked out his gift and my husband said he’d buy a house from me just for that 😂
Handed it over and my client goes, “Is this a care package?”

Only a military kid would say that and I loved it.

Days like this >>> 🫶🏼
Now San Diego, here we come ✈️

03/22/2026

How are you marketing your assumable?

There are a lot of assumables on the market right now but not all of them are being positioned to actually attract the right buyer.

This is where marketing matters!

If buyers don’t immediately know there’s a low-rate opportunity, you lose momentum.

That’s why I go all in on it
✔ Dedicated assumable signage
✔ Riders calling out the rate advantage
✔ Targeted marketing to the right audience

Because an assumable isn’t just a feature, it’s the strategy.

I’ve had multiple assumables go under contract quickly (some before hitting the market) simply because they were marketed correctly from day one.

If you’re sitting on a low rate right now, this is your moment to leverage it. 🫶🏼

📲 3606078133
https://linktr.ee/relocatewithcourtney

03/21/2026

WAIT don’t buy a house yet… 👀

There’s something happening in the market right now that most buyers (and honestly even a lot of agents) aren’t paying attention to…

VA assumable loans. 🔥

We’re in a small window where buyers can take over interest rates in the 2.5–3.5% range, which is a huge advantage in today’s market.

But here’s the part people don’t think about 👇🏼
The longer these homeowners hold onto those low rates, the more equity builds → the bigger the gap → the harder it becomes to assume.

That opportunity won’t last forever.

I’ve had my last 3 listings go under contract in under 2 weeks and my last 2 assumables were basically spoken for before they even hit the market.

That’s not luck… it’s strategy.

If you want to understand how to take advantage of these before they’re gone 👇🏼
📲 Let’s talk! 360-607-8133
Colorado Springs Assumable Home Loans

03/13/2026

Little Assumable Loan Storytime for my fellow buyers, sellers & agents 👇

I just went through a situation on a VA assumable that I think is worth sharing because it’s something a lot of agents haven’t experienced yet.

My buyer is assuming a VA loan with the seller’s entitlement staying in place, meaning the property will be used as a rental instead of a primary residence.

This is something that is allowed under VA guidelines, and I’ve done transactions structured this way before without issue.

However, about 35 days into the transaction, the servicing bank suddenly tried to stop the deal. Their reasoning was that they felt it was “too risky” to allow the assumption if the buyer wasn’t using the home as a primary residence.

The problem?
They had nothing in writing stating that policy, and my buyer had already been fully approved to assume the loan.

Instead of letting the deal die halfway through escrow, we started escalating.

• I spoke directly with the bank
• Consulted a real estate attorney
• With permission from the buyer and seller, brought in a third-party (Assumption Solutions) to help escalate the file

For the past two weeks, this has been climbing the ladder.

Underwriting → denied
Management → denied
Escalated to the VA

And today we got the news…

The decision was overturned by the VA and the assumption was approved to move forward!

So if you’ve heard people say that VA assumables can’t be done when the seller leaves their entitlement behind or when it won’t be a primary residence, that’s not entirely accurate.

There can be gray areas, and sometimes lenders push back simply because they don’t see these situations often or they aren’t particularly motivated to process assumable loans.

But the VA does allow these scenarios, and sometimes it just takes the right people advocating for the deal and escalating it when necessary.

Assumables are an incredible opportunity for buyers right now, but they’re also very different from a traditional loan process, which is why having an agent who understands them (and is willing to fight for the deal) really matters.

Just wanted to share this in case anyone else runs into a similar situation.

If you have any questions I’m happy to answer them!
📲 360-607-8133
[email protected]

03/08/2026

📊 There are currently 315 VA assumable homes listed in the Pikes Peak MLS.

That’s 300+ opportunities to potentially take over a much lower interest rate than what buyers are getting today.

Every REALTOR® can see these listings, but not every REALTOR® actually understands how to navigate the assumable process.

Assumables are more complex and require the right strategy. My last two assumable listings had offers before even hitting the market thanks to social media exposure.

If you’re thinking about:
🏡 Assuming a VA loan
🏡 Selling your home as an assumable

Make sure you’re working with someone who actually understands them. Feel free to text me or message me if you want to learn more 🫶🏼

📞 360-607-8133
📧 [email protected]
🔗 linktr.ee/relocatewithcourtney

Address

Colorado Springs, CO

Telephone

+13606078133

Website

http://www.linktr.ee/relocatewithcourtney

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