Personalized home loan guidance from a team that puts you first.
Smarter strategy. More options. Better outcomes.
Peak Capital Mortgage LLC is a broker-owned company, not a call center or big-bank retail lender. With 30+ years of experience and over $1 billion in loans funded, we offer strategic mortgage planning, dedicated loan officers, and specialty programs most lenders don't touch.
Licensed professionals across Alabama, Arizona, Colorado, Florida, Idaho, Kansas, Louisiana, Michigan, Mississippi, Montana, New Mexico, South Dakota, Texas and Wyoming with decades of combined experience
Broker Owner
NMLS #256117
30+ years helping families achieve homeownership dreams with expert guidance
Senior Loan Officer
NMLS #1633586
Bilingual expertise serving diverse communities with personalized care and attention
Senior Loan Officer
NMLS #196123
Specialist in complex financing solutions and investment properties
Senior Loan Officer
NMLS #466102
20+ years serving the New Orleans metro and surrounding Louisiana and Mississippi communities
Senior Loan Officer
NMLS #196133
USDA, VA & FHA specialist serving New Mexico and Colorado communities for 25+ years
Senior Loan Officer
NMLS #681547
Western Slope Colorado specialist serving buyers in Olathe, the North Fork Valley, and surrounding communities
Senior Loan Officer
NMLS #162101
25+ years in lending and a former southwest Montana rancher, serving buyers across Montana
Senior Loan Officer
NMLS #380200
Fort Collins and Northern Colorado specialist for self-employed borrowers, investors, and complex files
Loan Officer
NMLS #2300608
CPA background specializing in self-employed borrowers and complex financial situations
Loan Officer
NMLS #2290886
Bringing Dallas real estate expertise to Colorado with personalized mortgage solutions
From first-time homebuyers to seasoned investors, refinancing to reverse mortgages - we have the expertise to guide you to the perfect loan solution
Not sure which option is right for you?
Get Personalized RecommendationsEstimated payments are for illustrative purposes only and do not constitute a loan offer. Rates and terms subject to change.
Take the first step toward securing your dream home. Let our expert team guide you through the process.
Get answers to common questions about our mortgage services and process.
As an independent mortgage brokerage, Peak Capital Mortgage LLC shops a wide panel of wholesale lenders on your behalf to find the loan that fits your situation. A retail lender can only offer its own products, so your options end where its own guidelines do. Peak Capital Mortgage LLC was founded in 2021 by Rich Flanery, who brings 30+ years of mortgage industry experience and has helped fund over $1 billion in loans.
Peak Capital Mortgage LLC is licensed to serve clients in 14 states: Alabama, Arizona, Colorado, Florida, Idaho, Kansas, Louisiana, Michigan, Mississippi, Montana, New Mexico, South Dakota, Texas, and Wyoming. No matter where you are located within our service area, you can expect the same high level of personal service and expert mortgage guidance.
Most loans close within 21 to 30 days, depending on the loan type and complexity. Our experienced team and established lender relationships help ensure a smooth, efficient process. We provide regular updates throughout and are available to answer questions at every step.
Yes, investment property financing is one of our specialties. We offer conventional investment loans, portfolio loans, and creative financing solutions. Our strategic mortgage planning approach helps investors optimize their financing to maximize cash flow and build wealth through real estate.
Credit score requirements vary by loan program, and individual lenders often set their own minimums above the program floor. Because we shop a wide panel of wholesale lenders rather than working from one retail lender's guidelines, we can look for the program that fits your credit profile instead of asking your profile to fit one set of rules. Call or text us at (970) 577-9200 and we will tell you where you stand.
Getting started is easy. You can call or text us at (970) 577-9200, use our online mortgage calculator, or fill out our quick quote form. Our team will guide you through the process and answer all your questions along the way.
Our office is located at 600 S. Saint Vrain Ave #4 in Estes Park, Colorado 80517. While we are headquartered in Estes Park, we serve clients throughout 14 states via phone, video, email, and our online application portal.
Yes. Most clients work with us entirely by phone, video call, email, and secure online application. In-person meetings are available by appointment at our Estes Park office. To schedule a consultation, call or text us at (970) 577-9200.
Our standard business hours are Monday through Friday, 9:00 AM to 5:00 PM Mountain Time. To book a consultation, call or text us at (970) 577-9200, or book online here.
Mortgage insights, market updates, and financial guidance from our team.
Our success has been built on competitive rates designed to meet your unique financing goals while delivering exceptional customer service. At Peak Capital Mortgage LLC, we pride ourselves on treating every client with honesty and integrity.
Company NMLS: 2347925
Licensed in: AL, AZ, CO, FL, ID, KS, LA, MI, MS, MT, NM, SD, TX and WY
This is not a commitment to lend. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice

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