Learn how a home renovation loan can help you afford an addition, new kitchen, finished basement, new windows, or whatever
your heart desires.

A Home Renovation Loan is the Simple Solution to Creating Your Dream Home

If your current home or a home you’re looking at purchasing can use some major renovations or just some minor updating, a renovation loan might be the perfect fit! It’s the all-in-one option which adds the renovation costs into your mortgage.  Don’t wait to r-e-n-o-v-a-t-e!  Complete the simple form below and tell me about your needs and I’ll provide you with more information on our renovation products. There is no obligation!

Google Reviews

EXCELLENT
48 reviews on
Billy McCall
Billy McCall
December 17, 2021.
Tom helped us immensely in getting our home addition project funded with a loan that we couldn't be happier about. We had several hiccups to deal with that Tom guided us through with grace and patience. I couldn't recommend working with him enough as you start thinking about how you'll pay for your home project!
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Jesse Christy
Jesse Christy
November 30, 2021.
Tom was amazing! Very communicative and upfront about everything. He answered all my questions and made my first time home buying experience very easy. I would 10/10 recommended him for all your mortgage lending needs!
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Kurt Albertson
Kurt Albertson
October 6, 2021.
We had the pleasure of finding Tom through a neighbor who had recently refinanced. We were initially recommended by a friend to a different lender that never gave us straight answers and who seemed to have a scheme at every turn. Tom on the other had was extremely professional, knowledgeable, patient and provided answers to all the questions we had. We will definitely be working with Tom again on any future needs. I will also personally recommend Tom to all of my family and friends in regards to their mortgage needs.
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David Baker
David Baker
August 26, 2021.
Tom was great to work with, very communicative and responsive. I appreciated that he took every effort to make sure we got a good rate, and also that we understood the refinance process. Would definitely recommend.
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Kenucho
Kenucho
August 24, 2021.
Tom was awesome to work with! We are first time home buyer’s so we had lots of questions and Tom was more than willing to spend the time and explain everything to make sure we were comfortable. The market is so crazy right now, Tom would even send pre approval letters on the weekend to ensure we got the house we wanted! I would highly recommend him! He is very professional and made sure our closing went smoothly.
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Jana H
Jana H
June 30, 2021.
Tom was super helpful getting us set up for success in a super crazy home buying market. He was able to produce custom pre-approval letters on the weekend when we were submitting offers. Once we were under contract he was able to explain everything to us and answer all our questions, he got us a rate we were happy with, and made sure we had all the documentation necessary to have a fast close. We had a great experience and would gladly work with Tom again!
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Matthew Baker
Matthew Baker
June 21, 2021.
Tom was super helpful during our pre-approval and home search process. I had numerous questions throughout and Tom was always available by phone to get me the answers I needed. Tom made the process from preapproval through closing as easy as possible.
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Elana Viljoen
Elana Viljoen
June 21, 2021.
Tom was a HUGE help in ensuring we get the support and information we needed to complete the loan process. Tom was even able to help get this rushed through in a much shorter time than the usual time takes to ensure we hit our closing date. HIGHLY recommend working with Tom and team!
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Jimmy Juhl
Jimmy Juhl
June 15, 2021.
Tom is the man! We bought a fixer upper, and didn't realized the option to do a Renovation Mortgage Loan. We contacted Tom after a recommendation from a contractor we were working with. We only had 30 days to close, and generally Tom said they need 45-60 days due to getting a contractor bid and the extra paperwork. Tom and his team got it done in 33 days! We were so grateful to get it done so fast and recommend Tom all day long for a renovation mortgage loan!
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Justin Lampe
Justin Lampe
June 14, 2021.
Tom was great to work with throughout the process of our renovation loan. We planned an extensive main floor remodel and basement addition to our 80+ year old home. Tom was great from the initial inquiry, through the steps of the loan closing and bridging everything we needed to bridge with the construction side of the project. He was always ready to answer any questions and provide the detail necessary to make the decisions we needed to make on the financing of our project.
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Please complete the form for a free, no obligation review of your renovation lending needs.

I was happy to contribute to this Home Renovation article. Click the image above to read more in the Denver Post.

What is a renovation loan?

Renovation loans are available if you are buying a home and want to renovate right from the start, or you just want to update your existing home. For purchases, a renovation loan combines the purchase price of the home and renovation costs all into one loan. For existing homes, a renovation loan combines your current loan balance, plus the cost of renovations, wrapped together into one loan.

Types of home renovation loans

There are three types of renovation loans available. Each type of renovation loan has distinctive advantages. I can help you determine which type of renovation loan best suites your needs.

About Tom Yoswa

I’ve been in the mortgage business since 2003 and from day one I have made renovation lending for Colorado home owners my emphasis. I understand the special lifestyle we enjoy in our state and how having a home just the way you want it, enhances the Colorado experience.