At Charles Munoz, we believe home financing is more than just a transaction—it’s a lifelong milestone that deserves care, clarity, and expert guidance. With years of experience in the mortgage industry, we’ve built our practice around the belief that every client, regardless of their background or budget, deserves a personalized lending experience that puts their goals first.

We are proud to be licensed in ten states—Colorado, Florida, Georgia, Montana, Nevada, Ohio, Oklahoma, Texas, Wyoming, and Louisiana—giving us a broad reach and an in-depth understanding of regional lending requirements. While our headquarters and heart are in Colorado Springs, CO, our commitment to excellence travels with every loan we originate, no matter the state.

What sets us apart is our dedication to being more than just a lender. We are your trusted mortgage advocate, your financial educator, and your partner in building stability through homeownership. We don’t just quote rates—we help you understand your options, anticipate future changes, and plan a path toward long-term financial wellness.

Our business is built on integrity, transparency, and personal relationships. We take pride in educating our clients on the full range of available loan programs—from first-time buyer solutions to refinancing and everything in between. With us, you’ll always get straight answers, clear timelines, and support at every turn.

We specialize in VA, FHA, Conventional, and USDA home loan programs, which are designed to serve a wide variety of financial needs. Whether you’re an active service member in Georgia, a new homeowner in Montana, or refinancing a rural property in Texas, we offer tailored solutions to fit your circumstances and lifestyle.

Our clients benefit from our deep understanding of both national lending practices and local market trends. This combination allows us to offer quick turnarounds, competitive rates, and a streamlined application process that keeps you informed and empowered.

We value communication and accessibility. That’s why we make it easy to reach us by phone, email, or in-person meetings throughout Colorado Springs and remotely for clients in FL, GA, MT, NV, OH, OK, TX, WY, and LA. No matter where you live, you’ll receive the same quality care and attention.

At Charles Munoz, we’re not just helping people get loans—we’re helping them get home. Whether it’s your first house, your dream upgrade, or a smart refinance, we’ll walk with you every step of the way, building trust and confidence as we go.

Let us help you secure the home—and the financial future—you deserve. Because at Charles Munoz, home financing is personal.