Denver Bank Loans - Epic Remodeling & Restoration

Need a Bank Loan to complete your Project?

Consider these options below. There are several local banks that complete these types of transactions.

Epic Remodeling & Restoration is a Lender Approved and Certified, 203K, Conventional or Streamline bank loan contractor. We will provide a comprehensive overview of the entire project. This will include a few things such as budgeting, initial design consultation and firm completion dates. Our experience of completing over 1000 bank loaned projects gives us the ability to successfully guide our clients through the entire renovation process with ease.

Our Pre­Approval status is already on file with these local Lenders making our approval as your contractor a breeze! Your Lender isn’t listed? No worries. We are more than happy to provide all our documentation to the Lender of your choosing. If you have any questions, please call us directly at 303­393­0895.

Caliber Home Loans
Starkey Mortgage
HomeBridge Financial Services
Cherry Creek Mortgage
Nova Home Loans
Academy Mortgage
The Mortgage Maestro
Megastar Financial



FHA Mortgages

Mortgages from the Federal Housing Administration (FHA) have increased dramatically over the last two or three years - and there's a good reason. FHA loans are fully backed by the government and offer consumers who qualify the best of both worlds: low interest rates and low down payment requirements.

FHA Benefits:

• Increased loan limits throughout the country

• As little as 3.5% down payment requirement

• Not typically credit-score driven

• Sellers may finance up to 6% of buyer's costs to close

• Allows many down-payment assistance programs, including gifts

• $7,500 tax credit is available for FHA loans for qualifying buyers

FHA Streamline Refinances

FHA has provided streamline refinances on insured mortgages for almost 30 years. The "streamline" refers only to the amount of documentation and underwriting that needs to be performed by the lender. If you have a qualifying FHA loan, a streamline refinance can help you lower your rate and requires:

• No income verification

• No bank account verification

• No minimum credit score

• No appraisal in most cases

FHA 203(k) Mortgages

Even if the home you have your eye on is a fixer-upper, the Federal Housing Administration's 203(k) loan program can help home buyers and homeowners afford to pay for and repair single family properties with a single loan (from $5,000 on up).

Normally, when you want to purchase a fixer-upper, you first have to secure financing to buy the home, then secure additional financing to repair the home. These short-term loans can be expensive and difficult to obtain. With an FHA 203(k) loan, the borrower can get just one mortgage loan to finance both the acquisition and the rehabilitation of the property, making this program ideal for purchasing foreclosed properties at major discounts.

These loans are a bit more complex, especially for first-time buyers and refinancers (there's also a "streamline" version of this program), but it's definitely a viable option if you're looking to make homeownership even more affordable.

USDA Mortgages

Yes, the US Department of Agriculture is the same governmental agency that certifies the quality of the beef you buy. But it also has a mortgage program that supplies $16 billion in funding to Americans in what they call "rural" areas.

But don't be fooled by the "rural" part. You don't have to live on a farm or in the country to utilize this amazingly affordable program. In fact, there are a surprising number of qualifying areas in both large and small states and cities, so this is definitely an option that's worth investigating if you're looking to buy a home - and here's why:

• No down payment is required

• No monthly mortgage insurance

• Seller can pay 100% of the buyer's reasonable closing costs and prepaid expenses

• No reserves are required

 VA Mortgages

If you or your spouse is a veteran, you might be eligible for a special mortgage from the Department of Veteran Affairs. In recognition of your valuable service and sacrifice to your country, the VA program is designed to help make housing opportunities affordable for eligible veterans, so take advantage of this program - you've earned it. VA mortgage benefits include:

• No down payment

• No monthly mortgage insurance

• Seller can pay any and all "reasonable" costs to close

• Funding Fees are not required for Veterans with disabilities

There are some important residential, marriage, and other qualifications that need to be considered, so talk to your mortgage professional for more information on VA mortgages and any of the programs mentioned on this website.

Good Neighbor Next Door

The U.S. Department of Housing and Urban Development (HUD) wants to make American communities stronger, promote home ownership, build a safer nation, and take an active role in the revitalization of cities. The purpose of the Good Neighbor Next Door (GNND) salesprogram is to improve the quality of life in urban communities by encouraging Law Enforcement Officers, Teachers (PreK­12), Firefighters, and Emergency Responders (EMTs) to purchase and live in homes in these communities.
For more information please visit their website. U.S. Department of Housing and Urban Development

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Contact Epic Remodeling & Restoration for a Denver Remodeling Estimate by calling 303-393-0895 or complete our service request form.

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