Capital Home Mortgage Pueblo

Pueblo Renovation Home Loans

Renovation Mortgage Lender Pueblo Colorado

Home Renovation Loans Pueblo Colorado

Home renovation loans offer Colorado residents financing solutions for home repair projects. These loans can be used to fund various renovation improvements, including repairing or upgrading electrical or plumbing systems, building a new room, and replacing the kitchen or bathroom.

Types of Home Renovation Loans

The following is a list of some of the several home improvement loans available in Pueblo Colorado. When selecting a loan, homeowners should extensively research each loan type, compare interest rates and costs, and assess their eligibility and repayment ability. It’s also worth noting that loan availability, limitations, and conditions may differ depending on the lender and location.

  • FHA 203(k) Loans

The Federal Housing Administration (FHA) backs this loan, which is meant for homeowners who want to buy a fixer-upper or refinance an existing property while funding remodeling costs. The property’s after-renovation valuation determines the loan amount. FHA 203(k) loans are classified into two types: limited and standard, with specific loan limits and eligibility requirements.

  • Fannie Mae HomeStyle Loan

This traditional loan allows borrowers to finance up to 95% of the after-renovation value of their house. The loan amount can be up to the maximum loan limit set by Fannie Mae, which is $726,200 in most areas and up to $1,089,300 in high-cost markets. It can be used to fund structural and non-structural improvements and luxury enhancements such as swimming pools and outdoor kitchens.

  • Freddie Mac ChoiceRenovation Loan

Freddie Mac’s CHOICERenovation mortgage allows borrowers to purchase and renovate properties without needing two separate loans. It also enables existing homeowners to refinance, incorporating renovation costs into the new loan amount. The CHOICERenovation loan can save you thousands of dollars in closing costs since it combines the financing of your home loan and renovations into one mortgage.

  • VA Renovation Loan

This loan is guaranteed by the United States Department of Veterans Affairs (VA) and is accessible to qualified veterans, service members, and their spouses. The loan can be used to buy or refinance a home and pay for renovation costs. The property’s after-improved value determines the loan amount.

  • Home Equity Line of Credit (HELOC)

A home equity line of credit (HELOC) is a revolving line of credit that allows homeowners to borrow money against the equity in their property. It can be used to finance renovation projects and has a lower interest rate than a personal loan or credit card. However, because the loan is secured against the home, failure to repay could result in foreclosure.

This loan enables homeowners to refinance their current mortgage for a higher amount than they presently owe and use the difference to fund renovation costs. The interest rate on the loan is typically lower than that of a personal loan or credit card, but because the loan is secured against the property, failing to repay could result in foreclosure.

Apply For A Home Renovation Loan

Capital Home Mortgage Pueblo is both a direct lender and a mortgage loan servicer. Aurora residents can apply for any of our home improvement loans. Our highly skilled mortgage experts will work with you to determine the ideal lending package that meets your needs while remaining within your budgetary constraints.

Please get in touch with us at (303) 266-1177 to get started on your home improvement project.

Why Pueblo HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Pueblo Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Pueblo Fannie Mae HomeStyle RenovatioN Loan

Fannie Mae Homestyle Reno is a program that allows a homeowner multiple renovations options… from a simple luxury addition, to small cosmetic updates to a full rehabilitations.

  • 95% LTV Primary Residence
  • 97% LTV 1st Time Buyer Single Family
  • 85% LTV on 1 Unit Investment
  • 90% LTV on Second Home
  • Purchase & Refinance
  • As Completed Values
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Pueblo Freddie Mac Choice Mortgage Loans

Freddie Mac Choice Reno is a great alternative to a new home purchase.  It allows for a buyer to renovate a home as part of purchase or refinance bringing it back to life. Making your dream home come true might just be updating that older home.

  • 95% LTV Primary Residence
  • 97% LTV 1st Time Buyer Single Family
  • 85% LTV on 1 Unit Investment
  • 90% LTV on Second Home
  • Minimum Credit Score 620
  • Luxury Renovations are Eligible
  • Maximum Loan Amount – $766,550
  • High Balance (Varies By County)

Pueblo FHA 203K Renovation Loans

FHA offers both a Steamline and Full Rehabilitation Loans.  This is a great option for 1st time homebuyers looking to purchase a home that needs a little TLC.

  • Purchase & Refinance Options
  • Primary Residences Only
  • Single, Multi Family & Condo’s
  • As-Is Improved Renovated Value
  • 203K Streamline
  • Less < 35K, Cosmetic Repairs Only
  • 203K Full Rehab
  • Greater > 35K, No Restrictions
Pueblo Mortgage Programs

Pueblo Home Purchase

Thinking of Buying a Pueblo Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Pueblo renovation home loans

Looking to Rehab a Pueblo Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Pueblo FHA Home Loans

Great for 1st Time Pueblo Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Pueblo VA Home Loans

100% Financing for Pueblo Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Pueblo Conventional Home Loans

Flexibility for Pueblo Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Pueblo Jumbo Home Loans

Pueblo Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Pueblo USDA Home Loans

100% Rural Pueblo Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Pueblo Native American Loans

Pueblo HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Pueblo Manufactured Home Loans

Great Alternative Pueblo Housing

Pueblo reverse mortgages

Your Pueblo Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Pueblo Non QM Home Loans

Making Pueblo Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Pueblo One Time Close mortgages

Build Your Pueblo Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Pueblo Refinance Mortgage Loans

Pueblo Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Pueblo Cash-out Home mortgages

Pueblo Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Pueblo Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Director Native American Lending
Director Manufactured Housing

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