How much can I borrow on a Colorado flip?

Up to 100% of purchase and rehab, subject to an after-repair value cap.

Can I buy at a public trustee sale with your financing?

Yes. Pre-approval puts financing in place before the sale.

How fast can you close in Colorado?

Most loans close in 5 to 10 business days once title and valuation are complete.

What if winter delays my project?

Extensions are available; review the extension terms with your loan officer before closing.

Is there a prepayment penalty?

No. Pay off whenever the home sells.

Can I refinance into a rental loan?

Yes. Move into our 30-year DSCR loan once the home is leased.

Colorado Fix & Flip FinancingHard Money

Hard Money Lenders in Colorado

Colorado's Front Range has some of the highest resale values in the Mountain West, which makes well-funded renovations worth it. Finance the purchase and rehab with a lender that decides the same day.

Get Funded in CO Call 1-800-674-3804

Hover or tap a pin to explore markets

100%

LTC on purchase + rehab

Same Day

Approvals

5–10

Business days to close

Metros featured

Local Markets

Colorado Renovation Markets

Front Range and beyond.

Denver

Mid-century ranches and older bungalows in established neighborhoods.

Montbello
Westwood
Lakewood
Englewood

Aurora

Affordable east-metro inventory for volume flippers.

Original Aurora
Saddle Rock
Parker

Colorado Springs

Military and tech employment support resale demand.

Security-Widefield
Fountain
Old Colorado City

Northern Colorado

College and agricultural hubs with steady buyers.

Fort Collins
Loveland
Greeley

Boulder

High-value renovations with strong resale.

Boulder
Longmont
Lafayette

Pueblo & Western Slope

Lower entry prices outside the metro core.

Pueblo
Grand Junction
Montrose

Available in Colorado

Colorado Renovation Financing

Short-term capital for Colorado projects.

Hard Money Loans

Up to 100% of purchase and rehab with no prepayment penalty.

ARV Loans

Size heavier rehabs on the after-repair value.

Bridge Loans

Ground-up and multifamily projects with up to 90% LTC.

DSCR Loans

Keeping it? Refinance into a 30-year DSCR loan.

Local Insight

Flipping in Colorado: What to Know

Colorado foreclosures are handled through each county's public trustee, and sales follow published schedules. Pre-approved financing lets you bid without delay when the right property comes up.

Winter weather can slow exterior work along the Front Range and in the mountains. Build seasonal timing into your 6 to 12 month term, and ask about extensions before closing if your project needs them.

General information only, not legal advice. Confirm local rules with your closing attorney or title company.

Public trustee sales

County public trustees run Colorado foreclosure sales.

Seasonal timing

Plan roofing and exterior work around snow.

Radon testing

Many buyers request radon tests; mitigation is common in Colorado.

Your Route to Closing

How We Fund Colorado Deals

1
Pre-approval
Financing ready before trustee sales and listings.
2
Contract & scope
Send the contract and a line-item rehab budget.
3
Close fast
Close in 5 to 10 business days.
4
Renovate & sell
Draw rehab funds; pay off with no penalty.

FAQ

Frequently Asked Questions

Still have a question?

Talk to our team about your property and timeline.

1-800-674-3804

Yes, across the Denver metro and statewide in Colorado.

More Areas We Serve

Investing in More Than One Market?

Talk With HWC

Have a property under contract or a project you are evaluating? Tell us where things stand and what financing questions you need to resolve.

Find Out If You Prequalify Call 1-800-674-3804