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.

One Number Could Change Everything About Your Next Move
08/20/2026

One Number Could Change Everything About Your Next Move

When's the last time someone told you what your house is worth? Not what some online valuation tool guessed. Not what your neighbor's house sold for. What yours is actually worth right now.

Think student loan debt means homeownership has to wait? Think again.Student loans don't automatically prevent you from ...
08/19/2026

Think student loan debt means homeownership has to wait? Think again.

Student loans don't automatically prevent you from buying a home. Your overall financial picture — including income, credit, assets, and debt — is what matters.

If buying a home is one of your goals, don't assume your student loans have taken it off the table. You may have more options than you realize.

Learn more about how student loan debt can impact the mortgage process: https://bit.ly/4bGpGwe

Higher Rates Could Actually Help Housing Supply – Here’s How.
08/19/2026

Higher Rates Could Actually Help Housing Supply – Here’s How.

You may have heard the number of homes for sale isn’t growing like it was. And maybe that has you worried you won’t find a home you love when it’s time to make your move.

The Kind of House Buyers Are Willing To Pay More For
08/17/2026

The Kind of House Buyers Are Willing To Pay More For

That spare room on the main floor. The finished basement with a kitchenette and its own entrance. The bonus room you've been using for storage. To you, it's extra space. But to a growing pool of buyers, it's the reason they'd pick your house.

Sometimes "home" is as simple as a blanket fort in the living room.Because home isn't just a place — it's where life hap...
08/16/2026

Sometimes "home" is as simple as a blanket fort in the living room.

Because home isn't just a place — it's where life happens. It's where traditions begin, milestones are celebrated, and everyday moments become lifelong memories.

If homeownership is part of your next chapter, the right guidance can help make it possible. Let's discuss your options.

Buying your first home can feel like a lot, but it gets a lot less overwhelming once you know what to focus on.From budg...
08/13/2026

Buying your first home can feel like a lot, but it gets a lot less overwhelming once you know what to focus on.

From budgeting and getting pre-approved to understanding your loan options, a little preparation can make a big difference.

Looking for practical advice before you start house hunting? These are tips every first-time homebuyer should know to help make the process a little easier.

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

Who Has the Upper Hand in Today's Housing Market?
08/13/2026

Who Has the Upper Hand in Today's Housing Market?

Ask around and almost every homebuyer out there wants to know if there’s a way to get a better deal. And just about every seller wants to know if they'll still get top dollar.

Here’s Why Mortgage Rates Are What They Are Right Now
08/12/2026

Here’s Why Mortgage Rates Are What They Are Right Now

If you're waiting for mortgage rates to fall a lot before you buy, you may be waiting a while.

Did you know there are thousands of down payment assistance programs available across the country — and you might qualif...
08/10/2026

Did you know there are thousands of down payment assistance programs available across the country — and you might qualify for more than one?

That's where Down Payment Resource (DPR) comes in. It's a free tool that lets you search by location and see the grants, forgivable loans, and assistance programs available in your area — no guesswork required.

A lot of buyers put off homeownership because they think they need more time to save up for the down payment. The truth is, down payment help exists in almost every market, and it's NOT just for first-time buyers — many programs are open to repeat buyers, too.

Your down payment might be closer than you think. Explore your options here: https://bit.ly/4gEyYw0

The Case for Putting 20% Down on Your Next Home
08/10/2026

The Case for Putting 20% Down on Your Next Home

If you’re planning to buy your next home soon, you’ve probably heard the old rule about saving 20% for your down payment.

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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