Dedicated mortgage guidance for Colorado homebuyers and homeowners, delivering personalized loan strategies, clear communication, and a seamless lending experience from application to closing.
At Colorado Mortgage Collective, we’re here to make your path to homeownership clear and confident. Whether you’re buying in Denver, refinancing in Boulder, or investing in the mountains, we offer personalized mortgage solutions, competitive rates, and expert guidance—every step of the way.
Conventional home loans are a popular choice for Colorado homebuyers with strong credit and steady income. Whether you’re purchasing a primary residence, second home, or investment property, Colorado Mortgage Collective offers competitive rates and flexible terms to fit your needs. With a streamlined process and expert support, we help you secure a reliable mortgage that aligns with your long-term financial goals.
FHA home loans are ideal for first-time buyers or those with lower credit scores. Backed by the Federal Housing Administration, they offer low down payments, flexible credit guidelines, and affordable rates—making homeownership more accessible across Colorado. Our team will walk you through every step, so you can move forward with confidence and secure a home you love.
VA home loans are designed for veterans, active-duty military, and eligible spouses. Backed by the Department of Veterans Affairs, these loans offer no down payment, no PMI, and competitive interest rates. At Colorado Mortgage Collective, we proudly serve those who’ve served—making the dream of homeownership easier and more affordable for Colorado’s military families.
Buying a luxury home or a property that exceeds conventional loan limits? Our jumbo home loans are perfect for high-value real estate in Colorado’s competitive markets. With higher loan amounts, custom underwriting, and competitive rates, we make it easy to finance your dream home in places like Boulder, Vail, or Denver’s most desirable neighborhoods.
If you’re self-employed, you deserve a mortgage that reflects your real income—not just your tax returns. Our self-employed home loans use bank statements, P&Ls, and other alternative documentation to help Colorado entrepreneurs and freelancers qualify. With flexible terms and personalized service, we help business owners secure the financing they need to buy or refinance with confidence.
Non-Qualified Mortgage (NQM) loans are a great fit for borrowers who don’t meet traditional lending guidelines. Whether you have non-traditional income, recent credit events, or a unique financial situation, Colorado Mortgage Collective offers custom solutions, including bank statement and asset-based options. We make homeownership possible—even when the conventional path isn’t a fit.
Bank statement loans are a flexible solution for self-employed Coloradans who may not qualify using W-2s or tax returns. Instead, we review 12–24 months of bank statements to verify income. Perfect for entrepreneurs, consultants, and gig workers, these loans offer competitive rates, flexible terms, and a process built around your lifestyle.
Looking to grow your Colorado real estate portfolio? Our investment property financing options make it easier to buy rental homes, vacation properties, or multi-unit investments. We offer income-based qualification, competitive terms, and expert support to help you build long-term wealth through smart property decisions—from the Rockies to the suburbs.
ITIN loans are designed for borrowers who don’t have a Social Security number but file taxes using an Individual Taxpayer Identification Number. At Colorado Mortgage Collective, we proudly help non-U.S. citizens access home financing with flexible documentation and competitive rates—making the dream of homeownership in Colorado more accessible to all.
Thinking about refinancing your Colorado home? We offer a range of refinance home loan options to help you lower your interest rate, reduce monthly payments, or tap into home equity. Whether you’re improving your terms or accessing funds, our process is simple, flexible, and built to support your financial goals.
With a cash-out refinance, you can replace your current mortgage with a new one and access your home’s equity in cash. Use the funds for home improvements, debt consolidation, or other major expenses. At Colorado Mortgage Collective, we help you maximize the value of your home while keeping your finances on track.
Whether you’re building a custom home or remodeling your current one, our renovation and construction loans offer the flexibility to fund your vision. We cover both construction costs and long-term financing in a single solution. Ideal for Colorado homeowners and buyers ready to create their dream space from the ground up.
USDA home loans are ideal for buyers in Colorado’s eligible rural and suburban communities. With zero down payment, low rates, and flexible credit requirements, these government-backed loans make homeownership more affordable. Our team helps you navigate the USDA process with ease, so you can settle into a home that suits your lifestyle and budget.
We specialize in helping first-time buyers in Colorado make smart, confident moves. Our First-Time Homebuyer and Down Payment Assistance (DPA) programs offer low down payment options, flexible credit requirements, and access to grants that reduce upfront costs. If you’re ready to stop renting and start building equity, we’re here to guide you home.
Reverse mortgages let homeowners 62 and older convert home equity into cash—without monthly mortgage payments. Use it to supplement retirement income, fund improvements, or even purchase a new home. At Colorado Mortgage Collective, we help you or your loved ones understand the options, so you can stay in the home you love while enjoying greater financial freedom.
Alicia Alpenfels, Senior Mortgage Originator at Rocky Mountain Mortgage Collective delivers expert home loan solutions with a commitment to putting clients first, working for you, not the banks. Based in Colorado, Alicia is passionate about helping individuals and families navigate the home buying and refinancing process with confidence, clarity, and care.
With a strong focus on personalized service, Alicia places all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, and self-employed borrower solutions. Her deep knowledge of current market conditions and dedication to honest, responsive communication ensures every client receives the guidance they need to make smart, empowered financial decisions.
Alicia’s business is built on referrals from satisfied clients, and she is proud to offer the kind of support that creates long-lasting relationships. Whether you’re planning your first purchase or exploring ways to maximize your equity, Alicia Alpenfels is here to help you achieve your financial and homeownership goals—with confidence and trusted support every step of the way. Licensed in CO
To learn more about Alicia, please click on her personal website below
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Personalized mortgage guidance, clear communication, and a smooth process from start to close. Alicia focuses on understanding your goals, explaining your options in plain language, and delivering a lending experience you can feel confident in through Rocky Mountain Mortgage Collective.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
We focus on a calm, educational approach and tailor each mortgage strategy to fit your unique situation. Our goal is to make the process as clear and stress-free as possible, so you can move forward with confidence.
Absolutely. We have experience working with self-employed borrowers and those with unique income situations. We offer a range of loan options that can accommodate bank statements, complex tax returns, and other alternative documentation.
Timelines can vary, but many of our loans close in about 21 to 30 days, depending on the complexity of your file and how quickly documents are submitted. We’ll give you a clear timeline and keep you updated at each step.
We’re here to help. You can reach out to us anytime during the process, and we’ll make sure you always have a direct line to get answers and feel confident about your next steps.
Pre qualification is a quick estimate based on basic info, while pre approval reviews documents and credit so your budget and approval strength are much more reliable.
A pre approval usually includes a credit check which can cause a small temporary dip, but for most borrowers it is minor and outweighed by the clarity and leverage you gain when making offers.
It depends on the loan program and your goals. Some buyers can purchase with low down or even zero down, but the best plan considers monthly payment, closing costs, and keeping reserves.
Minimums vary by program and lender, but approval is based on the full profile, credit score, payment history, debt, and stable income. If you are close, small changes can improve approval and pricing.
Yes. Student loans are common and often manageable, but how they are counted depends on the loan type and repayment status, so we calculate them correctly from the start.
Avoid opening new credit, changing jobs without discussing it, making large undocumented deposits, or moving money between accounts without a paper trail. Small changes can create big underwriting questions.
Closing costs include lender fees, title, escrow, appraisal, and prepaid items like taxes and insurance. A good plan is to budget a realistic range early and then refine once you are under contract.
A rate lock holds your interest rate for a set period while the loan is processed. Lock timing matters, so we align it with your contract timeline and your comfort with market movement.
Yes. A denial often means the program or documentation strategy was not the right fit. We review the reason, rebuild the plan, and choose a better path based on guidelines and your real profile.
It depends on your current rate, how much cash you need, whether you want flexible access, and your payment comfort level. We compare the options side by side so you can choose the smartest move.
