Ben Binger
Senior Mortgage Advisor
Alloy Mortgage
- 720-386-4071
- Ben@BingerTeam.com
- 6825 E. Tennessee Ave, Ste 415, Denver, CO 80224
NMLS #1322594 · Licensed in 9 states
Financing you actually understand before you sign it.
Meet the Binger Team at Alloy Mortgage, a Colorado local mortgage broker powered by IMB, LLC and partnered with 70+ wholesale mortgage banks. Better-than-market interest rates, red carpet service, and a loan built for YOU, not the bank.
- 4.97 average from 672 client reviews
- Pre-approval letters same day
- Equal Housing Opportunity
The Binger Team at Alloy Mortgage
- 720-386-4071
- Ben@BingerTeam.com
- 6825 E. Tennessee Ave, Ste 415, Denver, CO 80224
- Average client rating
- 4.97
- Verified reviews
- 672
- Five star reviews
- 97%
- CLOSINGS IN AS FEW AS
- 11 days
Why a broker
70+ Mortgage Banks Competing For Your Loan.
Alloy Mortgage is a wholesale mortgage broker powered by the IMB network, partnered with 70+ wholesale mortgage banks. That means better-than-market interest rates, fair & competitive fees, red carpet service, and an education that makes a positive difference in your homebuying and homeownership experiences.
We look out for you like family, so you never pay more than you should.
Independent research
$10,662 average savings
A 2023 study by Polygon Research found borrowers saved, on average, $10,662 when they worked with an independent mortgage broker instead of a bank retail lender. Veterans and minority borrowers saved even more on average, and upfront costs ran lower too: 115 basis points paid upfront for a 6.58% average rate in the wholesale channel, versus 148 basis points for a 6.60% average rate through nonbank retail.
Source: Polygon Research loan level APR estimate using 2023 HMDA rate spread, APOR, and single family agency disclosure data for a standard segment of the market anchored by 30 year fixed purchase agency loans. Averages across a market segment, not a quote or a promise of savings on any individual loan.
- Better-than-market interest rates
- As a wholesale broker powered by the IMB network, we shop your file across 70+ wholesale mortgage banks and bring back wholesale pricing with fair, competitive fees.
- Red carpet service
- You are treated with red carpet service from the very first conversation all the way to the delivery of your keys and beyond. Same day answers, deadlines protected, and a team that treats your file like a friend's.
- Education that makes a positive difference
- We teach you the numbers before you sign them, so the payment, the fees, and the tradeoffs are your decision, not a surprise.
- Built for YOU, not the bank
- Your down payment, rate strategy, timeline, and cash flow shape the loan. The program follows your financial plan.
Meet The Binger Team at Alloy Mortgage
What it feels like to have a team behind your loan.
Buying a home is a group effort. Here is what you can expect from the first conversation through the day you get the keys.
- Five Star Mortgage Professional Award winner, 2019 to 2026
- Ranked in the TOP 1% of Loan Originators in the U.S. by Mortgage Executive Magazine
- NAMB Certified Military Veteran Lending Specialist
- A full team, not one inbox
- Ben leads strategy while a dedicated loan partner, processor, and closing coordinator keep your file moving. Someone is always available.
- You always know the next step
- Weekly updates, plain language answers, and a text back the same day. No wondering where your loan stands.
- Deadlines protected
- Pre-approval letters same day, appraisals ordered early, and your agent looped in so contract dates hold.
- Educated before you sign
- We walk through options side by side so you understand the payment, the fees, and the tradeoffs before anything is final.
Quick loan finder
Three questions and we'll help you find the right program and loan.
No hard credit pull. No email gate.
Step 1 of 3
What are you looking to do?
Home is here
Nine states, and a whole lot of front porches.
From Denver bungalows to mountain town cabins, the goal is the same every time: you understand the loan, you know the payment, and the keys land in your hand on schedule.
Licensed in Arizona, Colorado, Florida, Illinois, Iowa, Michigan, Tennessee, Texas, Wyoming.
Client experience
What it's like on the other side of the table.
This is my second time working with Ben. Both times he has been exceptional. Communicates well and helps you understand exactly what is going on.
Worked with us? A short note on Google helps other Colorado buyers find a broker they can trust.
Ask a question
Have a mortgage question? Just ask.
No pressure and no application needed. Send us what you are wondering about and a real person on The Binger Team will write back with a clear answer.
- 720-386-4071(call or text)
- Ben@BingerTeam.com
- 6825 E. Tennessee Ave, Ste 415, Denver, CO 80224
