Business Details
Your Trusted Mortgage Partner in Fort Collins, CO
Excel Financial Group has been dedicated to providing exceptional mortgage and refinance services since our founding. Our seasoned mortgage brokers work directly with clients to create customized financial solutions for home purchases, refinancing, and debt consolidation. We prioritize building long-term relationships to support clients as their needs evolve, offering competitive rates and personalized service across multiple states.Our team maintains strict confidentiality and security standards, distinguishing us from larger national mortgage companies. With offices in Colorado and operations in California, Texas, Wyoming, and Florida, we combine local expertise with nationwide accessibility to deliver trusted lending solutions.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
Home Equity Loans
Refinance Loans
Debt Consolidation
New Home Construction
USDA Loans
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial situations
- Our brokers maintain direct relationships with multiple lenders for competitive rates
- We serve clients across six states with localized market expertise
- We provide comprehensive loan options including specialized programs
- Our team prioritizes long-term client relationships over transactional interactions
Associations and certifications
- NMLS
Services
Conventional Loans
Standard home loans not backed by government agencies. Ideal for borrowers with strong credit histories and down payments of 5-20%. Offers fixed or adjustable rate options with competitive terms. Available for primary residences, investment properties, and second homes.
FHA Loans
Federal Housing Administration insured mortgages requiring lower minimum down payments. Designed for first-time homebuyers with credit scores as low as 580. Allows gift funds for down payment and includes streamline refinance options for existing FHA borrowers.
VA Loans
Zero-down payment loans guaranteed by the Department of Veterans Affairs. Available to eligible military service members and veterans. Features competitive interest rates, no private mortgage insurance requirements, and flexible qualification standards for service-related financial challenges.
Reverse Mortgages
Home equity conversion mortgages for homeowners aged 62+. Allows tax-free cash payments while retaining home ownership. No monthly mortgage payments required. Funds can supplement retirement income, cover healthcare expenses, or pay existing home loans.
Refinance Loans
Mortgage replacement programs to reduce interest rates, change loan terms, or access home equity. Includes rate-and-term refinancing, cash-out options, and streamline processes for existing loan holders seeking improved financial positioning.
Questions
What loan programs do you offer?
We provide conventional, FHA, VA, USDA, jumbo, reverse mortgages, and refinance options across all served states.
How do I start the mortgage process?
Contact our Fort Collins office via phone or website to connect with a loan officer for personalized rate quotes and pre-approval.
Do you offer online application options?
Yes, we provide self-help tools on our website for initial loan assessments and rate comparisons before formal applications.
Are you licensed in all 50 states?
We are currently licensed in Colorado, California, Texas, Wyoming, Florida, and Nebraska with active NMLS registration.
Can I consolidate debt through my home equity?
Yes, we offer cash-out refinance and home equity loan programs to consolidate high-interest debts into single monthly payments.
