Renovation Loan Program – Turn a Fixer-Upper into a Dream Home
Our Renovation Loan Program empowers homebuyers and homeowners in Arvada, Colorado—and throughout Florida, Arizona, Texas, and California—to finance both the purchase (or refinance) and renovation of a property under one single loan. Whether you’re buying a fixer-upper or upgrading your current home, we make the process simple and efficient with loan options tailored to your vision and budget.
Combine Purchase and Rehab in One Mortgage
With a Renovation Loan, you don’t need two separate loans to purchase and renovate. This program consolidates both costs into a single mortgage, streamlining your finances and reducing closing costs. It’s a smart solution for buyers in Colorado, Missouri, or Kansas looking to modernize an older home or unlock hidden value in an undervalued property.
Ideal for First-Time Buyers and Seasoned Owners
Whether you’re a first-time buyer purchasing a home in need of updates in Arvada, or a longtime homeowner in Florida wanting to expand or refresh your space, Renovation Loans offer powerful financial flexibility. We’ll help you turn outdated homes into beautiful, functional living spaces that meet your long-term needs.
Key Benefits of Using Our Loan Programs
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Tailored Solutions for Every Situation
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Local Expertise with Multi-State Reach
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. Fast, Transparent, and Personalized Process
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Support for All Borrowers—Traditional or Unique
Wide Range of Eligible Projects
From kitchen remodels and bathroom upgrades to roofing, flooring, and energy-efficient improvements, Renovation Loans cover a broad array of upgrades. In Arizona or Wyoming, where older homes often need structural and cosmetic updates, this loan is the perfect fit. We’ll ensure your renovation vision fits the program guidelines and long-term property value.
Financial Clarity from Day One
Our team breaks down all costs, timelines, and expectations so you’re never caught off guard. From interest rates to down payment options and closing costs, we keep everything transparent. Whether you’re buying in Kansas or California, our loan experts keep you fully informed at every step.
We are known for
Personalized Purchase Loan Strategies
Trusted in 8 States Including Colorado
First-Time Buyer Friendly Options
Fast Pre-Approvals and Clear Communication
"FAQs"
We offer a wide variety of mortgage solutions including Purchase Loans, First-Time Home Buyer Loans, Down Payment Assistance, VA Loans, FHA Loans, DSCR Loans, USDA Loans, Jumbo Loans, Bank Statement Loans, Investor Loans, Renovation Loans, and Fix and Flip Loans. These are available to clients in Arvada, Colorado, and across Wyoming, Arizona, Texas, Florida, Missouri, California, and Kansas.
FHA Loans are great for buyers with lower credit scores and smaller down payments. VA Loans are exclusively for eligible veterans and active-duty service members, offering zero-down financing. USDA Loans provide 100% financing for buyers in eligible rural and suburban areas with moderate income.
Down Payment Assistance programs help cover part or all of your down payment and sometimes closing costs. These are often available through local or state programs in areas like Arvada, Texas, or Missouri and may come as grants or forgivable second loans.
Debt Service Coverage Ratio (DSCR) Loans are for real estate investors. These loans are approved based on the income generated by the property rather than the borrower’s personal income—ideal for those with strong cash-flowing assets in markets like Arizona or California.
Yes. If you’re self-employed and don’t have traditional income documents like W-2s, a Bank Statement Loan uses 12–24 months of personal or business bank statements to determine income. We help many clients in Arvada and across Florida and Texas with this option.
Yes. FHA Loans and some non-QM programs like Bank Statement or Hard Money Loans can accommodate lower credit scores. We assess your full financial picture to find the right loan product.
Simply reach out to our team to start your application. We offer an easy digital process, fast pre-approvals, and personalized support every step of the way—whether you’re buying your first home or scaling your investment portfolio.
Add Value and Build Equity From Day One
Renovating your home not only improves comfort and functionality—it increases your property’s value. With a Renovation Loan, you start building equity immediately as improvements are completed. From Texas to Missouri, our clients use this program to create the homes they’ve always wanted—without compromising on location or affordability.
