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.

Would qualifying based on your property's income instead of your personal income change your investing strategy?Watersto...
09/03/2026

Would qualifying based on your property's income instead of your personal income change your investing strategy?

Waterstone Mortgage’s Cashflow Pro for Investors focuses primarily on whether the property generates enough rental income to cover the mortgage — not your W-2 or tax returns.

For the right investor, that can open doors to growing a portfolio without the same hurdles as traditional financing.

Curious if it's a fit for your investment goals? Start here: https://bit.ly/4qGzGMm

Why Buyers Shouldn't Overlook a Fall Move
09/03/2026

Why Buyers Shouldn't Overlook a Fall Move

You've been waiting for something to change before you buy. It just might not be the thing you expected…

Think New Homes Cost More? Not Right Now.
09/02/2026

Think New Homes Cost More? Not Right Now.

Most people think a newly built home costs more than an existing one. But right now, that’s actually backwards.

Summer may not be over just yet, but are you...☀️ Team Summeror🍂 Team Fall?Would you rather spend the afternoon by the p...
08/31/2026

Summer may not be over just yet, but are you...

☀️ Team Summer
or
🍂 Team Fall?

Would you rather spend the afternoon by the pool or curled up under a blanket with a warm drink?

Tell us which season feels more like home in the comments! 👇

Thinking About Tapping into Your 401(k) To Buy a Home? Read This First.
08/31/2026

Thinking About Tapping into Your 401(k) To Buy a Home? Read This First.

Lately, headlines have floated an eye-catching idea about tapping into your 401(k) to cover a down payment on a home.

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 ...
08/27/2026

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 years of the homebuyer’s loan.

What does this mean for homebuyers?

✅ Buying a house is expensive — you can use this financing option to ease into your mortgage.
✅ Temporary buydowns are especially great for those who don’t want to wait for interest rates to drop to buy a house but would like to take advantage of some savings upfront.
✅ Seller won’t go for it? Consider Smart Start, our LENDER-PAID buydown option.

Learn more: https://bit.ly/45hRPWS

Sellers Are Cutting Prices To Meet Buyers Where They're At
08/27/2026

Sellers Are Cutting Prices To Meet Buyers Where They're At

You're scrolling through listings on your phone and everything looks good until you see the price (or the estimated monthly payment). Then you close the app.

Worried About a Housing Crash? The Numbers Tell a Calmer Story.
08/26/2026

Worried About a Housing Crash? The Numbers Tell a Calmer Story.

A recent survey from Talker Research asked Americans to pick one word to describe how 2026 has felt so far. The winner? Stressful. And honestly, there’s been a lot going on.

08/24/2026

Most Home Sales Close – Here’s How To Keep Yours on Track

Myth Monday: You need 20% down to buy a home.Many buyers qualify with far less than 20% down — and some loan programs ev...
08/24/2026

Myth Monday: You need 20% down to buy a home.

Many buyers qualify with far less than 20% down — and some loan programs even offer 0% down for those who are eligible.

The required down payment depends on the loan program and your individual situation. 🙌

Don't let this common misconception keep you from exploring your options. You may be closer to homeownership than you think.

Let’s make your move together. Send a message to get started!

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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