Darcie Cox — Renovation Financing
Darcie Cox Branch Manager, US Mortgage Corporation NMLS# 263092
Office: (720) 783-5047
Cell: (303) 870-1074
Email: darcie.cox@usmortgage.com
Web: www.usmortgage.com/Darcie.Cox
Address:191 Telluride Street, Suite #08B, Brighton, CO 80601
Loan Programs
FHA 203(k) — Limited
Cosmetic and minor remodel work, purchase or refinance
Up to $75,000 in repairs; 3.5% min. down; 620 min. FICO
FHA 203(k) — Standard
Structural work, additions, larger renovations
No cap beyond FHA county limits; 3.5% min. down; 620 min. FICO; requires a HUD consultant
Fannie Mae HomeStyle® / HomeReady®
Structural or cosmetic work, conventional financing
Up to 75% of price + renovation cost, or as-improved value; 3% min. down; 620 min. FICO
VA Renovation Loan
Veterans buying or refinancing a home that needs repairs
$0 down; up to $75,000 in repair costs rolled into one loan
Renovation HELOC (after-renovation value)
Second lien for homeowners who want to keep their current mortgage rate
Up to $500,000 or 95% of projected after-renovation value; no refinance required
ADU Financing (via Renovation HELOC)
Backyard/accessory unit construction, based on projected after-renovation value
Same terms as Renovation HELOC above; no permits required prior to closing
Numbers above are general program figures, not a quote — the financial agent will
confirm what applies to your specific property and credit profile
What Financial Agent Needs From You
Contractor info
Estimate
Floor plans
Location ID-283, Branch Office: (NMLS ID#2575916) US Mortgage Corporation, 191 Telluride Street, Suite #08B, Brighton, CO 80601. CO (Regulated by the Division of Real Estate). Arizona Department of Financial Institutions, Mortgage Banker License. BK-BR-2001689 Licensed in: CO (Regulated by the Division of Real Estate), US Mortgage Corporation is not an agent of or acting on behalf of or at the direction of HUD/FHA/VA/USDA or the Federal government. Approved Fannie Mae & Freddie Mac Direct Seller & Service. Rates, fees and program guidelines are subject to change without notice. Some loans are arranged through third party providers. Not all products and/or programs are available in all states. Certain restrictions may apply. This is not intended as an offer to extend credit nor a commitment to lend. Equal Housing Lender. US Mortgage Corporation (NMLS ID#3901) is licensed as a mortgage lender nationwide except for HI. For licensing information, go to: https://usmortgage.com/disclosures/ and https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3901
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