What does a mortgage broker do in Denver?

A mortgage broker compares loan options from many lenders for you, manages your application, and guides the loan to closing. We work with more than 70 wholesale mortgage lenders.

Is a mortgage broker better than a bank?

Not always, but a broker gives you more options to compare. A bank offers only its own loans. We shop many lenders and show you the comparison before you choose.

How are mortgage brokers paid?

Either the lender or the borrower pays the broker on each loan, never both. Compensation is disclosed on your Loan Estimate and Closing Disclosure.

Does using a broker cost more?

Not necessarily. Wholesale pricing often lets brokers compete well on rates and fees. Compare Loan Estimates and decide based on the numbers.

Can a broker help if my bank turned me down?

Often, yes. Lenders have different guidelines. A file that does not fit one lender may fit another. We review your situation honestly.

Do you only work in Denver?

No. Our office is in Denver, and we help buyers and homeowners across Colorado. We are licensed in nine states.

Do you help with refinancing?

Yes. We shop refinances the same way as purchases, and we tell you honestly when refinancing does not make sense.

How do I get started?

Call or text 720-386-4071, send a message through our contact form, or start your application in our secure borrower portal.

Denver and Colorado

Denver mortgage broker for Colorado buyers and homeowners

One application, more than 70 wholesale mortgage lenders, and a local team that explains every option in plain words before you choose.

A mortgage broker reviewing a loan comparison sheet with a young couple in a Denver office overlooking the skyline and mountains

The Binger Team at Alloy Mortgage is a mortgage broker based in southeast Denver, powered by IMB, LLC. Instead of offering one bank's menu, we compare loan options from more than 70 wholesale mortgage lenders and help you choose the one that fits your goals.

If you have only ever gotten a mortgage from a bank, the broker model can feel unfamiliar. This page explains how it works, how we are paid, and what to expect from first call to closing.

What a mortgage broker does

A mortgage broker is a licensed professional who works between you and the lenders who fund home loans. We take your application once, review your income, assets, and credit, and then shop your scenario with wholesale lenders to find the best fit. We manage the file from pre-approval to closing, and the lender funds the loan.

Think of it like an independent insurance agent. Rather than selling one company's products, we compare several and recommend the one that works best for you.

Broker vs. bank vs. retail lender

All three can get you a mortgage. The difference is how many options you see.

	Mortgage broker	Bank	Retail lender
Loan options	Many wholesale lenders	Its own products	Its own products
Who you work with	A broker who shops for you	A bank loan officer	A lender's loan officer
Pricing	Compared across lenders	Set by the bank	Set by the lender
If one lender says no	We can look at other lenders	Usually the end of the road	Usually the end of the road

How wholesale lending works

Wholesale lenders do not usually work with consumers directly. They offer their loans through mortgage brokers, which keeps their overhead lean. Brokers get access to wholesale pricing, and lenders compete for the broker's business on terms, rates, fees, and turn times.

Through the IMB network, we have access to more than 70 wholesale mortgage lenders. Some are strong on FHA and VA, some on jumbo or condos, and some on self-employed or investor loans. Matching your file to the right lender is the job.

Why shopping 70+ lenders can help

Mortgage pricing is not the same everywhere. Lenders weigh credit, property type, and loan size differently, and one lender's guidelines can be another's deal-breaker. Comparing many lenders gives us more chances to find better-than-market interest rates, fair and competitive fees, and terms that fit.

There are no guarantees. Every loan depends on your credit, income, property, and the market on the day you lock. What shopping does is give you real choices to compare.

How broker compensation works

Brokers are paid in one of two ways on each loan: by the lender or by the borrower, never both. Federal rules require that compensation be disclosed, and it appears on your Loan Estimate and Closing Disclosure so you can see it before you commit.

Ask us any question about compensation. We will walk through your Loan Estimate line by line.

CFPB: understanding your Loan Estimate

Loan types we offer

We shop each of these with our wholesale lenders. Follow a link to learn more.

Conventional, FHA, VA, jumbo, and more: Compare them on our loan programs page.
FHA loans: Flexible credit guidelines for many first-time buyers.
VA loans: $0 down with full entitlement for eligible veterans and service members.
Non-warrantable condos: Financing when a condo building misses agency guidelines.
Condotel loans: Units in buildings that run like hotels.
DSCR loans: Investor loans based on the property's rental income.
Down payment assistance: CHFA, metroDPA, and local programs.

Areas we serve

From our Denver office we help buyers and homeowners across Colorado, and we are licensed in nine states.

What to expect, step by step

Here is how working with us usually goes.

1A conversation: Tell us your goals. We explain options and the real monthly payment.
2Apply once: Complete one secure application in our borrower portal.
3We shop your loan: We compare options from our wholesale lenders and show you the results.
4Pre-approval: You shop for a home, or move ahead with your refinance, with a clear budget.
5Lock and process: We lock your terms, order the appraisal, and gather documents.
6Underwriting: The lender reviews and approves the loan. We keep you updated.
7Closing: Review your Closing Disclosure, sign at the title company, and get your keys.

Questions about working with a mortgage broker

The short version of each answer. If yours is not here, call or text 720-386-4071 and ask.

Questions about your own numbers?

Call or text 720-386-4071, or start the application and we will follow up the same day. The conversation is free, and the math is yours to keep.

Get Pre-Approved Call or text 720-386-4071