Home Equity Loans & HELOCs in Colorado

Tap into your home’s value with or without tax returns
Colorado home equity loan

Need $200K to $750K from Your Home Equity?

Access cash from your home or rental property

  • Loan amounts from $200,000 to $750,000+
  • Use full tax returns or no-doc for self-employed & investors
  • Flexible income options: 1099s, bank statements, or P&L accepted
  • Rental Property options: bank statements, P&L or DSCR for investors
  • Up to 85% Combined Loan-to-Value (CLTV)
  • Interest-only HELOC options available
  • Rental/Investment Property Options at lower LTVs
  • Fast closings. Fund in as little as 21 days

Many homeowners and investment property owners in Boulder, Denver, Colorado Springs, and across the Front Range have built significant equity thanks to rising home values. Whether you're looking to renovate, consolidate debt, invest in a second property, or fund your business, a Home Equity Loan or Line of Credit (HELOC) can offer low-cost access to cash — without refinancing your entire mortgage.

Who Can Qualify?

We help both W-2 and self-employed homeowners in Colorado qualify. Use traditional income verification like tax returns — or skip them entirely with alternative documentation like business bank statements or a P&L. Ideal for entrepreneurs, freelancers, real estate investors, and 1099 professionals.

Eligible Colorado Cities

We serve homeowners and investors statewide for residential zoned properties including:

What’s the Difference Between a HELOC and Home Equity Loan?

HELOC: A line of credit that you draw from as needed, usually interest-only during the initial draw period.

Home Equity Loan: A lump-sum loan with a fixed interest rate and predictable monthly payments.

Ready to see how much equity you can access?

Click below to request your custom estimate — no obligation and no hard credit pull required.

What You'll Need to Provide

The process to refinance your mortgage can be pretty quick and easy when you are prepared in advance.

  • ●   Get copies of the last 2 months of bank or investment brokerage statements to show your reserves for P.I.T.I. to close.
  • ●   Get copies of tax returns for the last two years (if applicable) and your most recent paystub or YTD P&L and business returns if self-employed.
  • ●   Get a copy of your most recent mortgage statement.
  • ●   Get a copy of your Homeowner's insurance declaration page and HOA payment receipt if applicable.
  • ●   Prequalify with a licensed mortgage originator to confirm if you're eligible.

Areas Served

We serve borrowers throughout the state of Colorado which includes these cities:

Disclosure: The minimum loan amount is $200,000. Loan programs are subject to change per lender at any time until the loan is approved and the rate is locked. Borrowers must be approved by underwriting. Not all applicants will qualify.