Alloy Mortgage
Modern Denver home lit at dusk with the city skyline behind it
Ben Binger, Sr. Mortgage Advisor at Alloy Mortgage

Ben Binger

Senior Mortgage Advisor

Alloy Mortgage

NMLS #1322594 · Licensed in 9 states

Financing you actually understand before you sign it.

Meet the Binger Team at Alloy Mortgage, a Colorado local mortgage broker powered by IMB, LLC and partnered with over 70+ wholesale mortgage banks. Better-than-market interest rates, red carpet service, and a loan built for YOU, not the bank.

Check Today's RatesGet Pre-Approved
  • 4.97 average from 672 client reviews
  • Pre-approval letters same day
  • Equal Housing Opportunity
Average client rating
4.97
Verified reviews
672
Five star reviews
97%
CLOSINGS IN AS FEW AS
11 days
Golden aspen grove in the Colorado high country

Why a broker

70+ Mortgage Banks Competing For Your Loan.

Alloy Mortgage is a wholesale mortgage broker powered by the IMB network, partnered with over 70+ wholesale mortgage banks. That means better-than-market interest rates, fair & competitive fees, red carpet service, and an education that makes a positive difference in your homebuying and homeownership experiences.

We look out for you like family, so you never pay more than you should.

Independent research

$10,662 average savings

A 2023 study by Polygon Research found borrowers saved, on average, $10,662 when they worked with an independent mortgage broker instead of a bank retail lender. Veterans and minority borrowers saved even more on average, and upfront costs ran lower too: 115 basis points paid upfront for a 6.58% average rate in the wholesale channel, versus 148 basis points for a 6.60% average rate through nonbank retail.

Source: Polygon Research loan level APR estimate using 2023 HMDA rate spread, APOR, and single family agency disclosure data for a standard segment of the market anchored by 30 year fixed purchase agency loans. Averages across a market segment, not a quote or a promise of savings on any individual loan.

Better-than-market interest rates
As a wholesale broker powered by the IMB network, we shop your file across 70+ wholesale mortgage banks and bring back wholesale pricing with fair, competitive fees.
Red carpet service
You are treated with red carpet service from the very first conversation all the way to the delivery of your keys and beyond. Same day answers, deadlines protected, and a team that treats your file like a friend's.
Education that makes a positive difference
We teach you the numbers before you sign them, so the payment, the fees, and the tradeoffs are your decision, not a surprise.
Built for YOU, not the bank
Your down payment, rate strategy, timeline, and cash flow shape the loan. The program follows your financial plan.

Meet The Binger Team at Alloy Mortgage

What it feels like to have a team behind your loan.

Buying a home is a group effort. Here is what you can expect from the first conversation through the day you get the keys.

  • Five Star Mortgage Professional Award winner, 2019 to 2026
  • Ranked in the TOP 1% of Loan Originators in the U.S. by Mortgage Executive Magazine
  • NAMB Certified Military Veteran Lending Specialist
A full team, not one inbox
Ben leads strategy while a dedicated loan partner, processor, and closing coordinator keep your file moving. Someone is always available.
You always know the next step
Weekly updates, plain language answers, and a text back the same day. No wondering where your loan stands.
Deadlines protected
Pre-approval letters same day, appraisals ordered early, and your agent looped in so contract dates hold.
Educated before you sign
We walk through options side by side so you understand the payment, the fees, and the tradeoffs before anything is final.
Buyers reviewing loan options with their advisor at the kitchen tableKeys handed to happy new homeowners on closing day

Interactive tool

See the whole payment.

Taxes, insurance, HOA, and mortgage insurance included. The number you plan around is the number you'll pay.

Couple laughing over a laptop and coffee at their kitchen table
Mortgage assumptions
$545,000
10%
6.25%
30 years
$3,000
$1,800
$0

Estimated monthly payment

$3,645

$490,500 loan · $54,500 down · 90.0% LTV

Principal & interest
$3,020
Property taxes
$250
Home insurance
$150
Mortgage insurance
$225

You're above 80% loan-to-value, so mortgage insurance is included. Drop below 80% and it comes off, and we'll show you exactly when that happens.

Get a real quote on these numbers

Estimates only, for illustration. Actual rate, payment, taxes, and insurance depend on credit, property, and program eligibility. This is not a commitment to lend or a rate lock.

House keys handed to smiling new homeowners

Quick loan finder

Three questions and we'll help you find the right program and loan.

No hard credit pull. No email gate.

Step 1 of 3

What are you looking to do?

Loan programs

Five ways to finance a home.

The best one depends on your income, your credit, and how long you'll keep the house.

Tree lined Denver street of front porch homes with the Rockies behind them
  • Young couple laughing on the front steps of their Colorado craftsman home

    Conventional

    First-time and move-up buyers

    The default path for strong credit and steady income.

    Min. down
    3%
    Min. FICO
    620
    • PMI drops off automatically at 78% LTV
    • Loan amounts to $806,500 in most Colorado counties
    • Gift funds allowed for the full down payment
    See if Conventional fits
  • Desk with paid off bills, growing stacks of coins and a house keyring, showing debt paid down and credit rebuilt over time

    FHA

    Credit-rebuilding buyers

    Built for thinner credit files and tighter cash reserves.

    Min. down
    3.5%
    Min. FICO
    580
    • More forgiving on debt-to-income ratios
    • Seller can contribute up to 6% toward closing
    • Assumable by a future buyer
    See if FHA fits
  • Veteran and family in front of their new home

    VA

    Veterans, active duty, surviving spouses

    Earned benefit financing for service members and veterans.

    Min. down
    0%
    Min. FICO
    580
    • No monthly mortgage insurance, ever
    • No down payment on eligible entitlement
    • Funding fee waived for eligible disability ratings
    See if VA fits
  • Modern Colorado foothills home at golden hour with mountains behind

    Jumbo

    High-balance and luxury purchases

    Above conforming limits, without the bank runaround.

    Min. down
    10%
    Min. FICO
    700
    • Loan amounts to $3M with a single lien
    • Interest-only structures available
    • Asset depletion income accepted
    See if Jumbo fits
  • Brick duplex rental property on a Denver corner in evening light

    Non-QM / Investor

    Self-employed buyers and investors

    For income that a W-2 box was never designed to hold.

    Min. down
    15%
    Min. FICO
    660
    • DSCR qualifying on rental cash flow alone
    • 12 to 24 months of bank statements as income
    • No limit on number of financed properties
    See if Non-QM / Investor fits

  • Not sure which one?

    Answer three questions and we'll narrow it down.

    Run the loan finder
Downtown Denver at sunrise with the snow covered Front Range behind it

Home is here

Nine states, and a whole lot of front porches.

From Denver bungalows to mountain town cabins, the goal is the same every time: you understand the loan, you know the payment, and the keys land in your hand on schedule.

Licensed in Arizona, Colorado, Florida, Illinois, Iowa, Michigan, Tennessee, Texas, Wyoming.

Client experience

What it's like on the other side of the table.

4.97 / 672 reviews
Young homeowner smiling on the porch of her first house, holding the keys
This is my second time working with Ben. Both times he has been exceptional. Communicates well and helps you understand exactly what is going on.
Robert P. · Google review · August 2026

Resource hub

The explanations we'd give you in person, written down.

Education that makes a positive difference in your homebuying and homeownership experiences. Market updates, condo guidelines, and the mechanics behind the numbers.

Golden aspen groves and blue Rocky Mountain ridges in autumn Colorado

Pre-qualification

Five questions. No hard credit pull.

Enough for our team to tell you what's realistic and what the payment looks like.

  • No hard credit pull at this stage
  • Military status routes you straight to VA specialists
  • Same-day response during business hours

Submitting this form is not an application and does not affect your credit. It is not a commitment to lend. Equal Housing Opportunity.

Ask a question

Have a mortgage question? Just ask.

No pressure and no application needed. Send us what you are wondering about and a real person on The Binger Team will write back with a clear answer.

Sending a question is not an application and does not affect your credit. It is not a commitment to lend. Equal Housing Opportunity.

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