Mortgage Loan Originator

Melissa Valenzuela Cotton

NMLS# 469793 |

About Melissa

With more than two decades of experience in the mortgage and real estate industries, Melissa has vast knowledge of mortgage loan programs and guidelines. She prides herself on paying close attention to the details to ensure your experience is seamless and stress-free. She works hard to understand your financial goals to help you select the mortgage loan that best meets your needs.

A native to Colorado, Melissa was born and raised in Boulder County. When she’s not working, she can be found enjoying the outdoors, traveling and spending time with her family.

Learn more about Melissa Valenzuela Cotton(opens in a new window)

Super streamlined

"It was super streamlined and easy to e-sign documents. It felt really easy and Melissa Cotton was super helpful and made the process simple and straightforward." -Laura Venturo

High regard

"It all went faster than I knew was possible and we could not have sealed the deal without you and your team. I have such high regard for Elevations and you just reinforced my good feelings and respect. Wishing you all the best and I'll definitely point friends to you in the future!" -Linda Dunlap

Find out what your home is worth.

Suburban homes on a neighborhood street

Why Elevations Mortgage Lending?

Top three reasons Colorado Borrowers choose Elevations Credit Union.

  1. Easy and Seamless Process

  2. Wide Range of Options and Products to choose from

  3. Competitive Rates and Fees that allow us to give back to both you and the community

Why Elevations Mortgage Lending?

Top three reasons Colorado Realtors refer Elevations Credit Union:

  1. Smooth, on-time Closings with no Surprises – We provide a consistent experience throughout the entire loan process

  2. Excellent, Local Customer Service

  3. Strong Reputation amongst the Real Estate Community

A realtor reviewing a home offer with a couple
A listing agent meets with prospective home buyers

Why Elevations Mortgage Lending?

Top three reasons Colorado Listing Agents accept our offers:

  1. Personal Relationships within the Real Estate Community

  2. Quick turn times that allow us to compete with cash competitive offers

  3. We provide local appraisers who are familiar with the area

2022 Scotsman Award

Top Originator Award

For the last 12 years, Scotsman Guide has ranked thousands of the nation’s top-producing residential mortgage originators. The longevity, verification process and comprehensive scope of this list have positioned it as a benchmark for the mortgage industry. Received Following Awards:

  • Top Dollar Volume

  • Most Loans Closed

  • Top Women Originators

Scotsman Top Originators Award Logo

Let's talk mortgage loans:

Ready to get started? Applying online is simple.

Young couple carries moving boxes into their new home


Estimate your monthly mortgage payments.

Use our mortgage calculator to help get a better picture of what to expect with a new mortgage. You can estimate what your monthly payments might be and the total amount you will eventually pay for the property.

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Mortgage Seminars

Join us to learn more about homebuying.

We proudly offer seminars along the Front Range every month that are free and open to the public. Topics include buying your first home, home appraisals, investment properties and more. We are committed to answering your questions, addressing concerns and empowering you all along the way.