Stay Informed with Peak Insights
Empowering Your Financial Future with Expertise, Integrity, and Technology.
Experience that makes the difference.
At Peak Capital Mortgage LLC, we've spent over three decades perfecting comprehensive mortgage solutions: from first-time homebuyers to seasoned investors, refinancing to reverse mortgages. Over $1 billion in funded loans. Thousands of clients achieving their financial goals. One mission that never changes.
We're different. Not just because of our competitive rates—though we're proud of those. It's our approach. Personal service meets cutting-edge technology. Old-school attention to detail powered by modern digital tools.
Your loan officer knows your name. Your questions get real answers. Your timeline matters to us.
We've streamlined everything that should be simple:
-Digital applications and e-signatures
-24/7 loan status updates
-Fully digital closings for speed and convenience
-One-on-one guidance from seasoned professionals
We don't just close loans. We build relationships. We provide peace of mind. We help you find, keep, and afford the home that changes everything.
Ready to experience the difference?
📞Call us today at (970) 577-9200 or Text us at
(970) 660-0411 or click “Get a Quote” to start your hassle-free mortgage journey.
Your Questions About Peak Capital Mortgage LLC
Everything you need to know about working with our team — from our Estes Park office to how we serve clients across 13 states.
Where is your office located and do you offer virtual consultations?
Peak Capital Mortgage LLC is located at 600 S. Saint Vrain Ave #4, Estes Park, CO 80517. Our office is on the ground floor with no stairs, a large parking lot, and is fully handicap accessible. We also serve clients remotely — virtual consultations are available by phone, video call, or email, making it easy for borrowers across all 13 states we are licensed in to work with us without visiting our office. To schedule a consultation, call us at (970) 577-9200, email [email protected], or book online at your convenience.
What are your hours and how do I book an appointment?
Our office is open Monday through Friday, 9:00 AM to 5:00 PM Mountain Time. We understand that homebuyers and borrowers have busy schedules, so we do our best to accommodate calls outside those hours by appointment. You can book a consultation by calling (970) 577-9200, emailing [email protected], or scheduling online here. Our team typically responds to inquiries within one business day.
Do you serve clients outside of Estes Park and in surrounding towns?
Yes — while our headquarters is in Estes Park, Colorado, Peak Capital Mortgage LLC serves borrowers across a broad geographic area. Locally we work with clients throughout Larimer County, Boulder County, Grand County, and the greater Northern Colorado region including Fort Collins, Loveland, Longmont, Greeley, and Grand Junction. Beyond Colorado, we are licensed and actively originating loans in Arizona, Florida, Idaho, Kansas, Louisiana, Mississippi, Montana, New Mexico, South Dakota, Texas, and Wyoming. Because most of our process is handled digitally, location is rarely a barrier.
Is your Estes Park office accessible and is parking available?
Yes. Our office at 600 S. Saint Vrain Ave #4 in Estes Park is located on the ground floor with no stairs and is fully handicap accessible. A large parking lot is available directly at the building. If you have any specific accessibility needs, please call us at (970) 577-9200 before your visit and we will make sure everything is arranged. We are also happy to conduct your entire loan process remotely if an in-person visit is not convenient for you.
Can I see reviews from local Estes Park clients?
Yes. Peak Capital Mortgage LLC is rated 5.0 stars on Google with a growing number of verified client reviews from Estes Park and surrounding Northern Colorado communities. Read our Google reviews here — and if you would like to connect with a past borrower as a reference, just ask during your consultation.
What closing costs should I expect?
Closing costs vary depending on the loan type, purchase price, lender, title company, local government fees, and other factors specific to your transaction — so there is no single number that applies to every loan. What we can tell you is that as an independent mortgage broker, Peak Capital Mortgage LLC does not mark up lender fees. We shop competing wholesale lenders to find you the best combination of rate and costs for your situation. At application you will receive a Loan Estimate that clearly itemizes every fee, and we walk every client through that document line by line so there are no surprises at the closing table.
Do you offer rate lock options and how do they work?
Yes, and our rate lock terms are flexible. Unlike many lenders who offer only standard 30 or 60 day locks, we tailor the lock period to your actual closing timeline. If you only need 7 days, we lock for 7 days — you are not paying for lock time you do not need. A rate lock guarantees your interest rate will not increase between the time you lock and the time you close, protecting you from market fluctuations. The right lock strategy depends on current market conditions, your closing timeline, and your risk tolerance. Our team monitors rate trends daily and will advise you on the best approach for your situation.
How long has Peak Capital Mortgage LLC been in business?
Peak Capital Mortgage LLC was founded by Rich Flanery, who brings over 30 years of mortgage industry experience to every client he serves. Rich began his career as a loan officer, built his expertise as a mortgage planning strategist, and later expanded his financial knowledge as a business coach — giving him a uniquely broad perspective that he applies to every client's mortgage strategy. Our NMLS company number is 2347925 and we are licensed and in good standing across all 13 states we serve. Over the course of his career, Rich and his team have funded more than $1 billion in home loans.
What should I bring or prepare for my first mortgage consultation?
For an initial consultation, you do not need to bring anything formal — we start with a conversation about your goals, timeline, and general financial picture. If you are ready to move forward quickly, it helps to have recent pay stubs, two years of tax returns, bank statements from the last two to three months, and a government-issued ID available. For self-employed borrowers, business tax returns and a profit and loss statement are also helpful. Our team will guide you through exactly what is needed for your specific loan type.
Do you offer bilingual mortgage services?
Yes. Our Senior Loan Officer Gerardo Garcia-Ortiz is fully bilingual in English and Spanish and works with Spanish-speaking borrowers throughout Colorado, Florida, and New Mexico. If you or someone you know would benefit from working with a bilingual mortgage specialist, contact G directly at (970) 402-0686 or [email protected].
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About Us
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, MS, MT, NM, SD, TX and WY
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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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