Honest Lending.
Four Steps to Your Best Rate
Tell Us Your Goals
Buying, building, refinancing, or remodeling: start with a quick conversation or our online form. No commitment, no credit pull, no realtor required.
Get a Clear Picture
We review your finances, shop rates across our lender network, and show you what you actually qualify for. Real numbers, not teaser estimates.
Choose With Confidence
We lay your options side by side, explain every tradeoff in plain English, and let you decide on your own timeline. No pressure, no hard sell.
Close and Move Forward
We handle the paperwork, coordinate with all parties, and keep you informed at every step. Closing day goes exactly the way you expect it to.
Why Old Town Mortgage
Most lenders hand you a rate and hope you don't ask too many questions. We'd rather you ask every question you've got.
Old Town Mortgage is a Colorado-based brokerage with access to multiple wholesale lenders. That means we shop the market for you instead of selling you whatever one bank has on the shelf. The result is better rates, more flexibility, and a process built around your goals, not someone else's sales quota.
Whether you're buying your first place, building from the ground up, or refinancing a home you've lived in for years, we'll make sure you understand every number on every page before you sign anything. That's what honest lending looks like.
We compare rates across a wide network of wholesale lenders so you get the best deal available, not just one bank's offer.
Start with a pre-approval and a clear budget. Then search for homes from a position of strength. No surprises, no scrambling.
Based in Fort Collins and Colorado Springs. Licensed to serve borrowers across the entire state of Colorado.
Run the Numbers Before You Call
Free tools to help you plan, compare, and decide. No login, no credit pull, no sales pitch.
See how much home you can afford based on your income, debts, and down payment.
Run calculatorCompare your current loan to a new one and see if refinancing makes financial sense.
Run calculatorEstimate your monthly payment for any loan amount, rate, and term.
Run calculatorWeigh the cost of buying down your rate against the monthly savings over time.
Run calculatorSee the real cost difference between renting and owning over 5, 10, or 30 years.
Run calculatorRun the numbers on a rental: cash flow, cap rate, and return on investment.
Run calculatorCommon Questions
A bank offers its own loan products at its own rates. A mortgage broker like Old Town has access to multiple wholesale lenders, which means we shop the entire market on your behalf. You fill out one application, and we find the best rate and terms available to you.
No, and we'd actually recommend the opposite. Getting pre-approved first tells you exactly what you can afford, which makes your home search more focused and your offer stronger. Start with the financing, then shop for homes.
It depends on the loan program. Conventional loans go as low as 3% down. FHA requires 3.5%. VA and USDA loans offer 0% down for eligible borrowers. We'll help you find the program that fits your budget.
A pre-qualification conversation won't affect your credit at all. When you formally apply, we run a credit check, but multiple mortgage inquiries within a 45-day window count as a single inquiry for scoring purposes.
Most loans close in 15 to 30 days from application. A straightforward purchase with all documents ready can close in as little as 7 days. More complex situations, like construction loans or non-traditional income, may take up to 45 days. We'll give you a realistic timeline upfront so you know what to expect.
Compensation varies by loan. In many cases, we're paid by the lender at no extra cost to you. We always disclose exactly how we're compensated before you commit to anything.
We're based in Fort Collins and Colorado Springs, and we're licensed to serve borrowers anywhere in Colorado.
Ready to Get Started?
Whether you have questions or you're ready to apply, we're here. Give us a call or start your application online.
(888) 715-8696 Mon through Sat, 11:30am to 7:00pm