Construction & Renovation Loans
Build your dream mountain home with flexible construction financing designed for Colorado's unique building challenges.
Construction Loan Programs
Whether you're building from the ground up or renovating your mountain retreat, we have the right financing solution.
Construction-to-Permanent
One-time close loans that convert from construction to permanent mortgage, saving you time and money on closing costs.
Renovation Loans
Finance major home improvements and renovations with FHA 203(k) or conventional renovation loans.
Custom Home Construction
Build your custom mountain home with financing tailored to unique architectural and site challenges.
How Construction Loans Work
A streamlined process designed for Colorado mountain construction projects
Application & Approval
Submit plans, budgets, and contractor information. We review and approve your loan.
Construction Phase
Draw funds in stages as construction progresses. Pay only interest during building.
Inspections
Professional inspections at each phase ensure quality and protect your investment.
Conversion
Once complete, loan converts to permanent mortgage with your chosen terms.
Why Choose Our Construction Loans?
Construction Loan Features
Interest-Only During Construction
Pay only interest on drawn funds during the construction phase, keeping your costs manageable.
Protection & Oversight
Professional inspections at each draw stage ensure quality work and protect your investment.
Competitive Rates
Access competitive rates that convert to attractive permanent financing once construction is complete.
Mountain Construction Challenges We Understand
Building in Colorado's mountain communities presents unique challenges. Our construction loan specialists understand:
- Seasonal construction windows and weather delays
- Higher material and labor costs in mountain areas
- Site challenges including steep lots and access
- Local building codes and HOA requirements
- Energy efficiency and green building standards
Construction Loan FAQs
Common questions about construction financing in Colorado
Ready to Build Your Mountain Dream Home?
Our construction loan specialists are ready to help you bring your vision to life with expert financing solutions.