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 communicat

ion, 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.

House hunting often starts with one big question: How much house can I ACTUALLY afford? 🏡Before you start scrolling list...
06/04/2026

House hunting often starts with one big question: How much house can I ACTUALLY afford? 🏡

Before you start scrolling listings, take a closer look at the factors that shape your homebuying budget — from credit score and debt-to-income ratio to down payment options and monthly comfort level.

For a closer look at how a home’s list price translates to your monthly payment, start here: https://bit.ly/4vbRmjR


What Rising Inflation Means for Your Move
06/04/2026

What Rising Inflation Means for Your Move

Data shows inflation is moving in the wrong direction. But before the headlines send anyone into a panic, here's what's actually going on, why it matters for the housing market, and what it means if you're thinking about buying or selling.

The Mid-Year Housing Market Update: Why Forecasts Changed in 2026
06/03/2026

The Mid-Year Housing Market Update: Why Forecasts Changed in 2026

If the housing market feels confusing right now, you’re not alone.

June is National Homeownership Month — a time to celebrate the dream of homeownership and the opportunities it creates f...
06/02/2026

June is National Homeownership Month — a time to celebrate the dream of homeownership and the opportunities it creates for individuals and families. 🏡

Whether you're buying your first home, upgrading to fit your growing needs, or exploring your options for the future, having the right guidance can make all the difference.

If homeownership is one of your goals this year, let’s make your move together. We’ll work hand-in-hand to ensure you secure the right mortgage loan to meet your needs.

Even if you’re not ready to buy today, understanding your options early can help you prepare with confidence.

Send a message to chat.

Less House, More Home: Why Smaller Homes Are Paying Off for Today’s Buyers
06/01/2026

Less House, More Home: Why Smaller Homes Are Paying Off for Today’s Buyers

You started shopping with a specific mental image of your future home in your mind. Then the houses in your budget came in smaller than you pictured.

Real estate investors, this one’s for you!If you’re looking to expand your portfolio — or jump into the real estate game...
05/29/2026

Real estate investors, this one’s for you!

If you’re looking to expand your portfolio — or jump into the real estate game — consider Waterstone Mortgage’s Cashflow Pro program.

We’ll use your debt service coverage ratio (DSCR) to qualify you — meaning you can get a loan based on the income your investment property generates.

You don’t have to be a seasoned investor to take advantage of this program; first-time investors are allowed, too!

Sound like a good fit? Learn more here, or reach out with any questions. https://bit.ly/4tMUnGx

The Real Reason Some People Are Still Moving Right Now
05/28/2026

The Real Reason Some People Are Still Moving Right Now

You may be telling yourself you’re going to wait to move – maybe you’re hoping mortgage rates will come down, prices will fall, or the market will feel a little easier.

So, you decided you want to buy a house. Confused about where to begin? Your journey starts with a pre-approval. Getting...
05/27/2026

So, you decided you want to buy a house. Confused about where to begin?

Your journey starts with a pre-approval.

Getting pre-approved early helps you:
☑️ Understand your budget
☑️ Strengthen your offer
☑️ Move quickly when you find “the one”

Ready to make your move? Start here: https://bit.ly/4lnnJa6

The Truth About Affordability Today
05/27/2026

The Truth About Affordability Today

Let's be real with each other for a second about affordability.

5.0 star review received on Experience.com for Ben Allred by Jaree L C - It was a little bit of a challenging loan and e...
05/27/2026

5.0 star review received on Experience.com for Ben Allred by Jaree L C - It was a little bit of a challenging loan and everyone worked together to make it happen. I'm incredibly grateful.

Click to see all 111 reviews of Benjamin Allred at Waterstone Mortgage NMLS #332272, Loan Originator

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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