G. Garcia - Peak Capital Mortgage

G. Garcia - Peak Capital Mortgage We offer home loans for Purchases & Refinancing. Conventional, FHA, more. VA and Quick turn times!

Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. We recognize that our clients want a mortgage experience that takes the time to understand the unique needs of each borrower. We specialize in the following Mortgage Loans:

First Time Home Buyer, Purchase Loans, Low Down Payment, FHA Loans, VA

Loans, USDA Loans, Jumbo Loans, Reverse Mortgages and Much, Much More! Our team has the experience, dedication and the right products to make your dream of home ownership become a reality. Equal Housing Lender
Peak Capital Mortgage, LLC
https://www.rockymountainlender.com

Gerardo Garcia Ortiz
NMLS #1633586

First-time buyers in smaller towns usually don't have anyone to ask.No friend who bought last year. No parent who went t...
09/03/2026

First-time buyers in smaller towns usually don't have anyone to ask.

No friend who bought last year. No parent who went through it recently. They're starting from zero, and every conversation so far has made them feel behind.

You're not behind. You just haven't had anyone walk you through it in plain English yet.

That walk-through is free, and it doesn't obligate you to anything.

NMLS #1633586

Most Spanish speaking clients tell me they understand. A lot of them don't, and they say it anyway.Not because they're b...
09/01/2026

Most Spanish speaking clients tell me they understand. A lot of them don't, and they say it anyway.

Not because they're being dishonest. Because they don't want to slow anybody down, and because they feel like they should already know this.

That's the part that costs people money later. A misunderstanding at application shows up as a surprise at closing.

Ask me anything in either language. Nobody gets rushed in my file.

NMLS #1633586

NMLS #1633586
08/29/2026

NMLS #1633586

The mortgage box is getting bigger.This week's Peak Insights: The traditional W-2 and tax return model still works for m...
08/27/2026

The mortgage box is getting bigger.

This week's Peak Insights: The traditional W-2 and tax return model still works for millions. But financial lives are more complex now. And the lending industry is starting to catch up.

The question is no longer, "Do you qualify for a conventional mortgage?" The better question is "What lending strategy actually fits your financial picture?"

Read the full analysis or subscribe to Peak Insights. Both links in the comments.

NMLS: 1633586

You don't want to touch the first mortgage. That instinct is right and you should keep it.A home equity line lets you le...
08/25/2026

You don't want to touch the first mortgage. That instinct is right and you should keep it.

A home equity line lets you leave it alone and borrow against what you've built on top of it.

What usually doesn't make it into that pitch: the line typically carries a higher rate than your first mortgage, that rate can move, and the draw period eventually ends.

None of that makes it a bad idea. It makes it a decision instead of a no-brainer.

G Garcia-Ortiz | Peak Capital Mortgage LLC | NMLS #1633586 | Company NMLS #2347925 | Licensed in CO, FL, NM | Equal Housing Opportunity. A home equity line is secured by your home, and your home is at risk if you do not meet the repayment terms. Rates on a home equity line are typically variable and can change. This is not a commitment to lend. All loans are subject to underwriter approval.

AI isn't just a big company story anymore.This week's Peak Insights: Small businesses are moving beyond experimenting wi...
08/20/2026

AI isn't just a big company story anymore.

This week's Peak Insights: Small businesses are moving beyond experimenting with AI. They're integrating it. And the productivity gap between small businesses and large corporations is starting to close.

The businesses that move early are the ones that win.

Read the full analysis link in the comments.

NMLS: 256117

I have watched this happen in rooms where I wasn't even running the meeting.A family sits down with the agent. Everyone ...
08/18/2026

I have watched this happen in rooms where I wasn't even running the meeting.

A family sits down with the agent. Everyone is polite. The nodding starts coming a little too fast, and then the questions stop entirely.

They aren't confused about English. They're confused about escrow and underwriting conditions and what a rate lock actually commits them to.

When I switch to Spanish, the room changes. They stop nodding and start asking. The parents at the edge of the table lean in, because in a lot of families this is a decision everybody makes together.

NMLS #1633586

The housing market may be about to get unlocked. And it has nothing to do with mortgage costs.This week's Peak Insights:...
07/30/2026

The housing market may be about to get unlocked. And it has nothing to do with mortgage costs.

This week's Peak Insights: Capital gains exclusions for home sellers haven't changed since 1997. One proposed tax change could finally move longtime homeowners off the sidelines and back into the market.

This hasn't become law yet. But if you've owned your home for decades, you need to read this.

Read the full analysis: https://peakcapitalmortgage.com/post/capital-gains-exclusion-housing-market-2026

NMLS: 1633586

Address

600 S Saint Vrain Avenue #4
Estes Park, CO
80517

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19705779200

Website

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