Home Renovation
Loans in Colorado

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If you would like to make repairs or upgrades to your home, you will need to find a way to finance your project.

At Front Range Mortgage, we want it to be easy and convenient as possible for you to finance improvements to your home. As such, we offer multiple types of home renovation loans for you to choose from, with our most popular products being FHA 203(k) loans and conventional rehab loans.

What is an FHA 203(k) Loan?

An FHA 203(k) loan is a government-insured lending product which you can use for purchase or refinance of an older home in need of repairs. You may only use this type of renovation loan to make necessary improvements. You cannot, for example, put in a swimming pool using this type of financing.

One unique benefit of an FHA 203(k) loan is that you can use it not only to repair a home, but also to live elsewhere for a six month period as you are making those repairs. This means that if a home is not initially liveable when you buy it, you will have somewhere to stay while you work toward making it serviceable as a residence.

If your repairs end up being pricier than your estimates predicted, you also can take advantage of the contingency reserve included with the FHA 203(k) loan to cover those extra costs.

What is a Conventional Rehab Loan?

While the government-backed FHA 203(k) loan is a specific type of loan, conventional rehab loans encompass a variety of lending products.

Usually, you will need to furnish a higher down payment to obtain a conventional rehab loan, and you also might need a higher credit score to qualify.

But in other respects, you may find that a conventional rehab loan is a more flexible option than an FHA 203(k) loan since there is a broader spectrum of products available for different needs. One example of a conventional rehab loan you can apply for is a HomeStyle Renovation Loan.

Unlike an FHA 203(k) loan, a HomeStyle Renovation Loan can be used for pretty much any type of home improvement. You can even put in a swimming pool or make another luxury renovation.

During your consultation, we can help you figure out which type of renovation loan is right for you. As a local company which is Colorado Local, Colorado Only, Colorado Proud, we can spend more time with you than a big bank. We won’t rest until we have found the ideal match for your financing needs.

Veterans and active-duty military members: Be sure to ask us about VA Renovation Loans!

What Our Clients Are Saying

David Day
David Day
21:11 19 Aug 22
They were professional, positive and great to work with. Going through a mortgage process is never fun, but they were fast, efficient and on top of the process through the whole thing.We closed on time with no issues. I highly recommend them!
Robert Evans
Robert Evans
01:09 19 Jul 22
Called Front Range Mortgage and Brian answered. A few questions later we had the basics done and within 2 or 3 weeks it was a done deal! Was never passed over to anyone else until the final closing documents. Brian was available for all questions and was quick to respond. Definitely recommend
Sherry Nelson
Sherry Nelson
21:53 15 Jul 22
I wanted to share this company front range mortgage is the best!there very helpful and understanding ryan and brian we really like how professional they are and to the point!i would give them A 100 percent recommend refiance threw this company.
Maverick Boch
Maverick Boch
12:14 30 Jun 22
I have had the pleasure of working with Front Range Mortgage and Brian personally for over a year now. Their team is committed to helping their clients find the right mortgage solution for their financial needs. All while providing an industry leading lending experience. Anyone looking for a mortgage in Colorado I suggest reaching out to Front range mortgage today!
patrick driscoll
patrick driscoll
22:51 29 Jun 22
Brian and his team are a valuable client and an excellent choice to handle your next mortgage transaction.
joe conway
joe conway
20:49 29 Jun 22
Easy transaction. Buyers were surprised at the smoothness. Responsive team.Very pleased with this lender. Highly recommend.
Timothy Scholes
Timothy Scholes
21:18 19 Jun 22
Dennis Linn
Dennis Linn
18:26 18 Aug 21
We had a great experience at Front Range. Victoria took excellent care of us and we got a tremendous rate. I had a little trouble but they worked right through it without a hitch.If I ever re-fi again I’ll be right back here to do it.Thanks
CindyJo Abbott
CindyJo Abbott
03:51 15 Aug 21
I work with Victoria and Brian as a loan closing specialist. I have received so much POSITIVE feedback about how much everyone loves working with both of them. I always have a great conversation and extreme professionalism is always at the forefront.If you need/want to refi, go through a home purchase, etc … and are unsure where to go or who to talk to, look no further than Front Range Mortgage with Victoria or Brian …. You never know, you might get lucky and have me conduct your closing. ☺️😉
Clemente Galang
Clemente Galang
01:32 01 Feb 21
They were there when I needed them the most.
Mark Thompson
Mark Thompson
17:13 25 Jan 21
Dominic Lupori
Dominic Lupori
15:59 25 Jan 21
great people, super fast, pleasant experience
John B
John B
01:51 23 Jan 21
Matthew Hayden
Matthew Hayden
01:10 23 Jan 21
I have used Front Range Mortgage for several VA mortgage refinances. Each time they provide detailed comparisons of my options. The customer service is second to none and closing is a breeze! Victoria and Ryan had my loan closed and funded in less than 10 days!
rlrpjr1914
rlrpjr1914
23:40 22 Jan 21
Derek De Poy
Derek De Poy
23:39 22 Jan 21
Wiley Long
Wiley Long
00:14 16 Apr 20
Brian is the utmost professional. If you want no-hassle fast service and someone who will work in your interests, this is the place.
Mike Searls
Mike Searls
13:39 31 Mar 20
Front Range Mortgage does an amazing job - an advocate for their clients. The entire team is first rate and they really care. I highly recommend.
Kurt Rhea
Kurt Rhea
21:29 30 Mar 20
I know Brian personally - his work ethic and passion for helping people is above reproach and I am proud to be associated with him. - Kurt
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Apply Now for a Home Renovation Loan in
Colorado

Don’t let a lack of funds hold you back any longer from completing your home renovation projects. Apply for an FHA 203(k) loan, HomeStyle Renovation Loan, or other type of home renovation loan today. To get started Click below or call (303) 500-1900 in Denver.


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