Business Details
Trusted Mortgage Brokers in Fort Collins, CO
Excel Financial Group is a home loan and mortgage company dedicated to providing exceptional mortgage and refinance services at the lowest rates available. With a commitment to personalized service, our seasoned mortgage brokers work directly with clients to create customized financial solutions that evolve with their needs. Headquartered in Fort Collins, we serve Colorado, California, Texas, Wyoming, and Florida, offering a wide range of loan options including conventional, FHA, VA, and reverse mortgages.Our mission is to build long-term relationships with clients while maintaining the highest standards of trust, security, and confidentiality. With decades of combined experience, our team of NMLS-licensed professionals specializes in helping first-time homebuyers, veterans, and investors achieve their homeownership goals through tailored mortgage programs and competitive rates.
Services
Conventional Loans
FHA Loans
VA Loans
Reverse Mortgages
Refinance Options
Jumbo Mortgages
Home Equity Loans
USDA Loans
New Construction Loans
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial situations
- Our brokers maintain NMLS licensing and state-specific credentials
- We provide access to multiple loan programs including government-backed options
- Our team serves five states with localized market knowledge
- We guarantee transparent communication throughout the mortgage process
Associations and certifications
- NMLS 389894
- CA License # 60DBO-75620
What people say
Low rates
Professional staff
Successful closings
Quick approvals
Knowledgeable brokers
Services
Conventional Loans
Conventional loans offer flexible terms for borrowers with strong credit profiles. These non-government-backed mortgages allow for fixed or adjustable rates with competitive pricing. Ideal for home purchases or refinancing with down payments typically starting at 5%. Excel Financial Group provides tailored conventional loan options for primary residences, investment properties, and second homes across multiple states.
FHA Loans
FHA-insured loans provide accessible homeownership opportunities with low down payment requirements. Available with 3.5% down payments and lenient credit score criteria, these mortgages include upfront and annual mortgage insurance premiums. Excel Financial Group specializes in FHA loan processing for first-time buyers and those rebuilding credit across Colorado and neighboring states.
VA Loans
VA-guaranteed loans offer exclusive benefits for eligible military personnel and veterans. Featuring zero down payment options and no private mortgage insurance requirements, these loans provide 100% financing for qualified applicants. Excel Financial Group's NMLS-licensed brokers assist veterans in Colorado and nationwide with VA loan applications and funding fee management.
Reverse Mortgages
Reverse mortgages enable homeowners aged 62+ to convert home equity into tax-free funds. Available as lump sums, monthly payments, or credit lines, these loans defer repayment until property sale or owner relocation. Excel Financial Group provides HECM-certified counseling and customized reverse mortgage solutions for seniors in Colorado and multiple western states.
Refinance Mortgages
Refinance options help homeowners reduce monthly payments, access equity, or change loan terms. Available for rate reductions, cash-out needs, or converting adjustable to fixed rates. Excel Financial Group offers competitive refinance programs for conventional, FHA, and VA loans across all served markets with streamlined documentation processes.
People
Bridget Pasquinzo
Mortgage Broker / Owner
NMLS-licensed mortgage broker with extensive experience in residential financing. Specializes in Colorado market conditions and loan program diversity. Provides personalized mortgage solutions for first-time buyers and investors.
Bryan Emmett
Mortgage Broker / Owner
Certified mortgage professional focusing on Colorado home financing. Offers expertise in conventional and government-backed loan programs. Committed to transparent communication and client education throughout the mortgage process.
Chris Pasquinzo
Mortgage Broker / Owner
Experienced loan specialist serving Colorado residents. Proficient in mortgage regulations and financing options. Prioritizes long-term client relationships through personalized service and market expertise.
Corey Seitz
Mortgage Broker / Owner
Multi-state licensed mortgage broker with specialization in cross-regional financing. Provides tailored loan solutions for clients in Colorado, California, and Texas markets with comprehensive market knowledge.
Wes Daniels
Mortgage Broker / Owner
NMLS-certified mortgage expert serving western states. Specializes in complex financing scenarios and investment property loans. Offers strategic guidance for clients seeking non-traditional mortgage solutions.
Questions
What loan types does Excel Financial Group offer?
We offer conventional, FHA, VA, USDA, jumbo, reverse, and refinance mortgages across multiple states with personalized rate options.
How can I get pre-approved for a mortgage?
Contact our loan officers for a quick pre-approval process requiring income verification, credit check, and financial documentation review.
Do you offer mortgage refinancing options?
Yes, we provide rate-and-term refinancing, cash-out options, and streamline programs for existing homeowners seeking better terms.
What are current mortgage rates?
Rates vary daily based on market conditions. Contact us for personalized rate quotes tailored to your financial profile.
Can I get a mortgage with low down payment?
Yes, we offer FHA loans with 3.5% down, VA loans with zero down, and conventional options with 5% down requirements.
How does the reverse mortgage process work?
Our HECM-certified counselors guide seniors through eligibility requirements, financial assessments, and fund disbursement options for home equity conversion.
