Your Local
Mortgage Experts.

The real estate landscape is constantly evolving—and today’s homebuyers need a lender who offers more than just a mortgage. At Collective Mortgage, we provide innovative, client-focused solutions tailored to meet the demands of today’s competitive market.

With the ability to help customers in Colorado, California and Florida, we combine local expertise with national reach. Our exclusive programs—like the Collective Offers Cash Buyer and Buy Before you Sell Programs Powered by Zavvie—empower you with the strength of a cash offer, giving you a distinct edge when purchasing your next home. Plus, we offer access to highly competitive rates and a wide range of loan products to fit your needs. We take great pride in serving our communities by helping individuals and families turn their dreams of homeownership into reality.

Buy Before you Sell Program

Traditionally, buying a home has often been contingent on selling your existing home. In today’s ultra-competitive real estate market, non-contingent and cash offers are usually the most attractive to sellers, but many people don’t have access to that amount of cash before they sell their existing home. Our Buy Before you Sell Program allows you to buy your new home with a cash-backed offer before you sell your existing home. It’s that simple.

Learn More About Our Buy Before you Sell Program

What Our Clients Are Saying

"Dawn and I officially closed on our new home today! We want to thank you guys for making this unimaginably smooth and for all of your hard work and efforts into making this dream come true for us!! You guys are the best and I will be recommending Collective Mortgage (and you guys by name) to all of my friends and family!!"

- Kelly M.

"Theresa and I would like to thank you and your team for the professionalism while buying our home. You made the home buying experience seamless. We were always aware of what you needed and when, and you communicated with us consistently, keeping us informed. I would recommend you to anyone looking for a great mortgage broker."

- Joe and Theresa

"This is the second home I have purchased with you guys and could not have asked for a better team to work with. I truly appreciate all that you guys have done and if this home is not the “forever” home, I will look for all of you again, although I hope we are all retired by that time and the new generation of 8z can help me out!"

- David L.

Cash Buyer Program

The real estate market is more competitive than ever before. It’s not uncommon for houses to have dozens of showings and multiple offers. Our Cash Buyer program is one of the only Colorado-based cash buyer programs, which means you’re working with local real estate experts throughout the entire process. We understand the ultra-competitive Colorado market better than anyone and we know what it takes to win your dream home.

Sellers prefer cash offers because there is less of a chance of the transaction falling through, but not everyone has the means to make an all-cash offer. That’s where we can help: become a Cash Buyer and make the most attractive offer possible.

Learn More About Our Cash Buyer Program