Expertise.com

2024

Last updated:

Best Mortgage Brokers in Fort Collins

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Fort Collins Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

45Reviewed

31Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Fort Collins, CO
WebsiteLicense: 167768

Expertise.com Rating

Review Sources

Google
4.8 (80)
Yelp
5.0 (79)

Why choose this provider?

Uptown Mortgage is a locally owned brokerage firm that has been serving Fort Collins and the surrounding areas since 2000. Its loan originators explain the process to clients and show them the options available. FHA, USDA, VA, and conventional mortgage are among the programs they offer. The staff walks customers through the entire loan procedure as part of its commitment to provide white-glove services. Uptown Mortgage also works with people looking to buy or refinance a home in Florida, Georgia, Iowa, Texas, and Washington.

  • Refinance
  • VA Specialists
  • Purchase
  • New Construction
  • First Time Homebuyer

Fort Collins, CO

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Fort Collins? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

375 East Horsetooth Road, Fort Collins, CO 80525
WebsiteLicense: 385453

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (2)

Why choose this provider?

Summit Home Mortgage, LLC, is a team of mortgage professionals serving the residents of Fort Collins. The company offers home purchase and refinancing options and assists clients in meeting their short-term and long-term financial goals. Its website provides mortgage and refinance calculators to help borrowers estimate their monthly charges. A Certified Financial Planner, Mike Chevalier, its loan originator, has over 15 years of experience as a financial advisor. He works with his wife, Virginia, on offering mortgage solutions.

  • Refinance

1318 South College Avenue, Fort Collins, CO 80524
WebsiteLicense: 818550

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

TST Financial serves as a source of mortgage options for Fort Collins residents. With years of experience in the residential lending industry, the service provider offers a wide variety of loan packages, including ARM, conventional, construction, home equity, jumbo, and FHA. Its agents also process deals for refinancing, reverse, VA, and USDA. Borrowers are also given a choice to choose their premiums, whether single, lender-paid, or annual. TST Financial is committed to going above its clients' expectations.

  • Refinance
  • Reverse Mortgages

3665 John F Kennedy Parkway, Fort Collins, CO 80525
WebsiteLicense: 695367

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

The Premier Mortgage Group is a division of Cherry Creek Mortgage, LLC serving clients in Fort Collins. Established in 1986, the Colorado-owned and operated company incorporates new ideas and strategies into conservative business practices. This approach presents clients with sensible and straightforward home purchase and refinancing options that meet their long-term financial goals and objectives. Founder Nick Peterson was a loan officer for 16 years and worked in consumer insurance and investment planning.

  • Refinance

149 West Harvard Street, Fort Collins, CO 80525
WebsiteLicense: 163052

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Integrity Lending Solutions is a mortgage brokerage firm that caters to clients in Fort Collins and in nearby communities. It was established in 2005 by Colorado natives and mortgage experts, Mark Martino and Justin Obert. They can compare and offer various loan programs such as FHA, VA, and USDA loans. They can also examine a client's existing loans to recommend refinancing programs for both fixed and flexible terms. Furthermore, Integrity Lending Solutions employs a dedicated loan processor to help close deals within 30 days.

  • Refinance

2950 East Harmony Road, Fort Collins, CO 80528
WebsiteLicense: 481108

Expertise.com Rating

Review Sources

Google
5.0 (75)
Facebook
5.0 (44)

Why choose this provider?

Jill Hartman is a loan originator in Fort Collins who works for Gateway Mortgage. She gives walk-throughs on mortgage, vehicle, and personal loan processes. She also assists in refinancing and renovation financing. Moreover, Hartman provides commercial and corporate banking solutions, as well as specialized finance, jumbo mortgages, premium deposit products, and recreational property loans. Gateway Mortgage has served more than 100,00 clients in 20 years and has been included in the 50 Best Companies to Work For by the Mortgage Executive Magazine.

  • New Construction
  • Refinance

2815 East Harmony Road, Fort Collins, CO 80528
WebsiteLicense: 397446

Expertise.com Rating

Review Sources

Google
4.0 (22)

Why choose this provider?

Established in 2011, Harmony Brokers is a Fort Collins-based real estate broker and lending company. The company helps clients apply for mortgages and refinance their existing mortgages. Its website contains resources that can assist clients through the mortgage process such as a mortgage calculator and a digital mortgage application form. Founder Jeff Theisen has worked in the banking and real estate industries for 25 years. In addition, he has been a real estate agent since 2003.

  • Multi-Family Loans

4700 South College Avenue, Fort Collins, CO 80525
WebsiteLicense: 480957

Expertise.com Rating

Review Sources

Google
5.0 (47)
Facebook
5.0 (4)

Why choose this provider?

Dynamic Mortgage Concepts, Inc., is a mortgage lending company serving Fort Collins and the rest of Colorado since 2008. Whether a client is purchasing a home, refinancing an existing mortgage, or completing a construction loan, the company's mortgage brokers help navigate through an extensive line of mortgage products such as conventional loans, FHA loans, VA loans, and jumbo loans. There are also special programs available like 203K rehabilitation loans, reverse mortgages, and VA IRRL.

  • New Construction
  • Refinance

123 North College Avenue, Fort Collins, CO 80524
WebsiteLicense: 302209

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Bruce Jenkins is a mortgage consultant who serves clients in Fort Collins. He has also been a partner in the Excel Financial Group for over 11 years. Bruce and his team help their clients purchase houses, refinance outstanding loans, and consolidate debts by providing financial solutions that fit their needs. Working with over 20 mortgage lenders, they offer loan programs such as refinance, purchase, conventional, jumbo, FHA, and VA loans. Moreover, they handle fixed-rate and adjustable-rate mortgages and USDA Rural Development loans.

  • Refinance

3615 Mitchell Drive, Fort Collins, CO 80525
WebsiteLicense: 243488

Expertise.com Rating

Review Sources

Facebook
4.0 (56)
Google
4.0 (13)

Why choose this provider?

1st City Mortgage Group consists of a mortgage consultant and loan officers whose area of expertise is on residential mortgages. They have the in-house resources and experience to serve clients in Fort Collins looking to make a home purchase or refinance a mortgage. The mortgage professionals guide the clients through the loan process, including approvals. They tailor the loan products to the individual's goals. They also extend their services to other loan types, such as home equity and debt consolidation.

  • Refinance

123 North College Avenue, Fort Collins, CO 80524
WebsiteLicense: 389894

Expertise.com Rating

Review Sources

Google
5.0 (76)
Facebook
5.0 (2)

Why choose this provider?

Serving in the North and South Denver and Fort Collins areas, Excel Financial Group, LLC is a home loan and mortgage company owned by Bryan Emmett and Corey Seitz. Its mortgage products include home purchase, jumbo, and cash-out home loan programs. The business works directly with its clients to achieve financial solutions, finding the right mortgages or loan programs. Excel Financial Group, LLC was awarded Top 100 Mortgage Brokerage by the Association of Independent Mortgage Experts in 2019.

  • Refinance
  • Reverse Mortgages

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.