Home renovation Loans

Upgrade or Restore Your Home with a Renovation Loan!

Finance Home Improvements with Trusted Local Support

If your home needs repairs, renovation, or expansion, you may need additional financing to get the job done. At Points West Community Bank, we offer renovation loans with flexible terms and personalized support, and all our lending decisions are made locally across our bank branches in Colorado, Nebraska, and Wyoming.

Why Choose a Home Renovation Loan?

Every home needs repairs, upgrades, or remodeling now and then as things wear out and your needs change. You may need to add or expand a room to meet the needs of a growing family or to make the home more comfortable. With the right home remodeling financing, you can receive a more favorable interest rate than you would with other options, such as credit cards. This is a great choice for fixer-uppers, older homes, or just about any property that needs an update. You could work with the licensed contractor of your choice, while receiving personalized guidance on your financing options from our expert mortgage team.

Advantages of a Home Remodeling Loan

A home renovation doesn’t just make your home more livable; it can also increase your property’s value, which makes a home improvement loan a smart investment for the long run. We offer home remodeling loan options with flexible terms and competitive rates through our brokered mortgage network. We make all our lending decisions locally, which allows for quick pre-approvals and streamlined closings. We can also help you with a mortgage refinance.

How to Apply for a Renovation Loan

If you need to apply for a home renovation loan, one of our local lenders can help you consider your options and find a solution that works best for you.

1. Apply Online or Talk To a Points West Mortgage Expert

It’s easy to start your mortgage refinance application online or give us a call at (970) 541-2520. One of our local mortgage lenders will walk you through the entire process, go over your financial documents, and explain your options.

2. Get Pre-Qualified and Outline Your Project Goals

Pre-qualification isn’t a formal loan application, but it gives you an idea of how much you could borrow and the type of interest rate you could receive.

3. Work With Your Contractor to Estimate Costs

Once you know how much you could borrow, you can meet with the contractor of your choice to obtain an estimate of how much money you’ll need. We offer financial tools and calculators to help you analyze your borrowing costs.

4. Submit Your Loan Application and Renovation Plan

This is when you formally apply for a renovation loan.

5. Funds Are Distributed in Phases as Work Is Completed

You’ll receive your funds in installments to cover the ongoing costs of your remodeling project as each phase is completed.

Monthly Payments Estimate

Planning to renovate your home with a renovation loan? Our Mortgage Calculator can help you estimate your monthly payments based on your projected loan amount, interest rate, and term. It’s a simple way to budget for upgrades and explore what works best for your goals.

Why Choose Points West?

For four generations, Points West Community Bank has been a trusted partner for homeowners across the region. Our team understands the ins and outs of home improvement lending and brings deep experience to every renovation project. With access to a wide range of brokered mortgage products, we help you find the right fit for your budget and timeline. Best of all, we’re known for fast approvals and clear, consistent communication, so you can keep your project moving and stay focused on the transformation, not the paperwork.

We Combine Local Lending with Smart Financing

Points West Community Bank has served the tri-state area for four generations, with all lending decisions made locally, backed by our access to a range of financing solutions. We serve the Front Range region of Colorado including Fort Collins, Loveland, Greeley, Wellington, and Windsor; Central Nebraska and the Panhandle, including Sidney, Bridgeport, and Fullerton; in Wyoming, we serve Torrington, Pine Bluffs, Douglas, Lingle, and the surrounding areas. Find your nearest PWCB location today!

Your Trusted Partner for Home Renovations

If you’re ready to upgrade your home, we’re here to help you find a renovation loan with terms that fit your needs. With all our lending decisions made locally, we can offer a fast approval process and a personalized approach that helps you make the best decision possible. Give us a call at  (970) 541-2520 or apply online today to get started. Be sure to check out our blog for more mortgage tips and personal finance help.

Need more information? Call us at (970) 541-2520 or fill out the form below.