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Welcome to Mountain Shadows Mortgage, LLC
NMLS #241431 CO #10025582
and Cheryl Dingwell-Keckritz, Realtor
Spiers Real Estate, Inc.

Thank you for visiting our website, your home to all your Colorado Springs home loan needs. We are your mortgage experts whether you are looking to purchase a home, or already own a home and are looking to refinance to a lower rate we are the Colorado Springs lender which can do it all. Unlike those huge nationwide companies that know nothing about Colorado Springs, we are local company, our office is located in Mountain Shadows

Purchasing a home in Colorado Springs? We specialize in Conventional & VA home loan products that can make your home purchase dreams come true.  On our conventional loans we take pride in having very competitive mortgage rates. We have both fixed and adjustable rate mortgages. If you are looking to purchase a home that’s over $417,000 then you will need a jumbo loan, which we have available. Since Colorado Springs has many military bases in the vicinity VA loans are perfect options for anyone who is serving or is a veteran, you can purchase a home for no money down.  Please use our Purchase Assistant tool to let us know about your home loan needs and we will find you the best loan program that will fit your situation.

If you already own a home in Colorado Springs and are looking to save money by lowering your interest rate or to pull cash out of the equity you’ve built up, we offer refinance services as well. Refinancing can save you thousands of dollars a year in mortgage payments, but of course it’s important to get the lowest rate possible. Just like our home loan products, you will find our refinance rates also some of the lowest you’ll find in Colorado Springs. 

Our goal is to make you a client for life; we value our relationships with our clients. We look forward to speaking with you, gaining your trust and business. With so many places you can go how do you know you are working with the best? Put us to the test and we’ll give you all the options available to you, then you can compare our personal service and our loan terms. We are confident that you’ll be pleased with what you see.

Find the perfect loan to fit your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.


Regulated by the Division of Real Estate