Ben Allred - Waterstone Mortgage NMLS #332272

Ben Allred - Waterstone Mortgage NMLS #332272 Helping individuals & families buy, refinance, & invest in homes with expert guidance & care.

With over 25 years of experience in the financial and mortgage lending industries, Ben Allred is a dedicated and knowledgeable mortgage loan officer currently based in Fort Collins, Colorado, although he has many years of experience helping homebuyers in Arizona, Colorado, Utah, California, Idaho, and beyond. Ben is committed to putting his clients first by offering honest advice, clear communication, and tailored loan solutions to meet their unique homeownership goals. Ben specializes in guiding homebuyers through the mortgage process with ease — whether they’re buying their first home, relocating, refinancing, or investing in property. He offers home loans in 48 states nationwide through Waterstone Mortgage.*

His deep understanding of loan products — including conventional, FHA, VA, jumbo, and refinancing options — allows him to create custom mortgage strategies for clients from a wide range of financial backgrounds. He prides himself on fast loan closings, responsive service, and making the mortgage process as streamlined and efficient as possible. What sets Ben apart is his ability to break down complex financial information into easy-to-understand terms, empowering homebuyers to make informed decisions. His goal is to build long-lasting relationships and be a trusted mortgage advisor for life. Outside the office, Ben loves spending time with his wife and four children, enjoying outdoor adventures such as hiking, biking, swimming, and snowboarding. Ben and his family proudly support MS Run the US, a cause that is close to their hearts. Ben holds a bachelor’s degree in Russian with a certificate in East European Studies from Arizona State University, and he previously completed an international business internship in Moscow, Russia. Contact Ben today for expert guidance and a complimentary mortgage consultation!

*Based on the location of the purchase property, Waterstone Mortgage loan applications may be referred to another loan originator within the company.

“Should I buy now, or wait?” Instead of trying to predict the perfect market, ask yourself:💬 Is the total monthly paymen...
10/02/2026

“Should I buy now, or wait?” Instead of trying to predict the perfect market, ask yourself:

💬 Is the total monthly payment comfortable?
💬 Will I have savings left after closing?
💬 Is my income stable?
💬 Do I plan to stay for several years?

If the numbers work and you feel prepared, it may be worth exploring your options now.

If they don’t, waiting can be a smart strategy. Use the time to improve your credit, reduce debt, or build savings.

⏩ Let’s go over these questions together and determine your path forward. Send a message to chat anytime.

What Higher Mortgage Rates Mean for Home Sellers
10/01/2026

What Higher Mortgage Rates Mean for Home Sellers

Higher mortgage rates don't just affect buyers. They can change what it takes to sell your house, too.

Hoping for (or Dreading) a Housing Crash? The Experts Just Weighed In.
09/30/2026

Hoping for (or Dreading) a Housing Crash? The Experts Just Weighed In.

Half the buyers out there are scared home prices are about to crash. The other half are hoping they will.

Mortgages aren’t “one-size-fits-all.” Your financial situation is different from the next homebuyer’s, so you deserve a ...
09/28/2026

Mortgages aren’t “one-size-fits-all.” Your financial situation is different from the next homebuyer’s, so you deserve a mortgage program that’s tailored to your unique needs.

That’s where Waterstone Mortgage comes in. 💡🏡

Take a look at our specialty loan offerings to get a glimpse into the kind of solutions we proudly provide: https://bit.ly/4it4RZx

The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get.
09/28/2026

The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get.

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…

If you think being self-employed makes it harder to buy a home, think again! 💡 Here’s a simple, streamlined mortgage opt...
09/28/2026

If you think being self-employed makes it harder to buy a home, think again! 💡 Here’s a simple, streamlined mortgage option for you.

Waterstone Mortgage’s Statement Select uses your bank statements to help you qualify — no W-2 or tax returns required.

Start by exploring your options here, or send a message any time to chat. https://bit.ly/3S9uOmg

Looking for ways to make homeownership more affordable? A temporary buydown could help.A temporary buydown may be a smar...
09/24/2026

Looking for ways to make homeownership more affordable? A temporary buydown could help.

A temporary buydown may be a smart way to lower your monthly mortgage payment during the first 1-3 years of your loan. It can help you save money upfront and make the transition into homeownership a little more manageable.

Learn more here: https://bit.ly/4gSrOUx

Why So Many Sellers Are Cutting Their Price Right Now
09/24/2026

Why So Many Sellers Are Cutting Their Price Right Now

Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on.

Why Your Asking Price Matters More Now Than Ever
09/24/2026

Why Your Asking Price Matters More Now Than Ever

Most sellers come into the market with one number in mind. And it’s often the one that costs them the most. That's their asking price.

There Are 4 Types of Housing Markets Right Now. Which 1 Are You In?
09/23/2026

There Are 4 Types of Housing Markets Right Now. Which 1 Are You In?

Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell.

Address

242 Linden Street Office 106
Fort Collins, CO
80524

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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