Colorado Home Construction Loans
Construction Colorado home loans for ADUs, remodels, and new builds, including options to finance land, permits, and phased construction costs.
Expert Guidance
Local support with a personal touch.
More Options
Access to 100+ wholesale lenders through C2 Financial.
Colorado Focused
Experience with Colorado buyers, homeowners, and investors.
Program Overview
Colorado Home Construction Loans
Financing a construction project can take many forms. Whether you’re building a new home, adding an ADU, constructing a garage or workshop, or preparing land for a future build, we offer flexible loan options to fit your goals. As a mortgage broker, we work with lenders who offer both traditional construction loans and One-Time Close programs, giving you options instead of a one-size-fits-all approach.
Key Benefits
- » Loan options for different project types, from ground-up builds to major additions.
- » Traditional or One-Time Close structures depending on your goals.
- » Interest-only payments during construction to help manage cash flow.
- » Potential rate protection with early lock options, depending on lender program.
- » Ability to finance land, site prep, permits, and construction costs in one loan.
Who is this for?
This loan may be a great fit if you meet the following general criteria:
- » Homeowners or buyers looking to build a home, ADU, garage, or other major improvement.
- » Borrowers needing financing for land they own or plan to purchase.
- » Clients working with (or selecting) a licensed builder or qualified owner/builder.
- » Borrowers with good credit and the ability to meet standard down payment and reserve requirements.
These are general guidelines. Contact us for a personalized assessment. Not a commitment to lend.
Why Choose Cliff Mortgages for Your Construction Loan
Building a home is complex. Your financing shouldn’t be. We’re construction loan specialists who guide you from blueprint to move-in day.
Construction Loan Experts
We understand builder approvals, project plans, and draw schedules—and manage each with precision.
One-Time Close Specialists
We focus on single-close construction-to-permanent loans that save time, money, and the hassle of re-qualifying.
Builder & Lender Coordination
We act as the communication hub between you, your builder, and the lender to keep the project on schedule.
The Smarter Way to Build: One-Time Close vs Two-Time Close
Our preferred one-time close construction loan offers major advantages over the traditional two-loan process.
One-Time Close (Our Method)
- One Closing, One Set of Fees: Save thousands in closing costs.
- Rate Locked Upfront: Protects you from rate hikes during construction.
- Seamless Process: No re-qualification. Your permanent loan is secured from day one.
Two-Time Close (Traditional)
- Two Closings, Double Fees: Pay for both a construction loan and separate permanent loan closing.
- Rate Risk: Final mortgage rate isn’t locked until construction finishes.
- Re-Qualification Risk: Must reapply and be re-approved after the build is complete.
The Cliff Mortgages Construction Loan Promise
Builder Approval Guidance
We help you navigate lender requirements so your builder gets approved smoothly.
Draw Process Transparency
We explain inspection and draw timelines so payments stay on schedule.
Smooth Conversion Promise
Our one-time close loan automatically converts to your permanent mortgage without extra steps.
A Clear Blueprint for Construction Financing
We manage the complexities of your construction loan with a proven, four-step process.
Project & Builder Review
We ensure plans, budgets, and contractors align with lender expectations.
One-Time Close & Rate Lock
We secure approval and lock your permanent rate before construction starts.
Managed Draw Process
We coordinate inspections and fund releases to keep the build on schedule.
Final Inspection & Conversion
After the final inspection, your loan automatically converts to the permanent mortgage—no additional closing required.
How It Works
A Clear Path from Application to Closing
Project & Builder Review
We review plans, budgets, and builder qualifications to ensure alignment with lender requirements.
Loan Approval & Rate Options
We help you secure the right construction loan structure and explore rate-lock choices based on your timeline.
Managed Draw Process
We coordinate inspections and draw requests between you, your builder, and the lender so funds are released smoothly.
Final Inspection & Completion
After construction, a final inspection is completed and the loan converts to permanent financing or you refinance into the best long-term option.
Ready to Get Started?
Find out if a Construction Loans in Colorado is right for you. Get a no-obligation quote from our experts today.
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