How to finance a remodel? Other questions?
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Remodeling your kitchen is one of the smartest investments you can make in your home – especially here in Front Range and the greater Denver/Boulder Colorado area. A well-planned kitchen renovation can boost your property value while also enhancing your daily quality of life. As a local interior remodeling company Avanti Interior Remodeling has seen firsthand how an updated kitchen with modern amenities can make a dramatic difference.
We also have seen many happy customers from our friend Jeff Howell
Meet Jeff Howell
Jeffrey Graham Howell is a Colorado-based mortgage loan officer known for securing competitive rates, minimizing costs, and navigating complex financing situations with strategic precision and hands-on support. He works with a wide network of lenders to deliver tailored solutions for homebuyers and homeowners, whether purchasing, refinancing, or overcoming difficult financial circumstances, and is recognized for his responsiveness, clear guidance, and ability to close deals others can’t. Clients rely on Jeff for a smooth, informed process from start to finish, and his consistent results and personal commitment have earned him repeat business and long-term trust across a wide range of transactions.
Many homeowners don't realize they're sitting on the equity needed to fund a full renovation — from kitchen and bath remodels to open floor plans, room additions, outdoor entertaining spaces, and ADUs. Jeff Howell and Colorado Lending Group specialize in identifying which of six flexible loan programs fits your situation, qualifying you through traditional or flexible underwriting, and closing in as little as two weeks so your renovation doesn't wait.
HOME EQUITY SOLUTIONS
FOR HOME OWNERS WHO'VE BUILT VALUE
Tap what you've already earned to fund the renovation your home deserves.
H O M E E Q U I T Y · R E V O L V I N G A C C E S S
HELOC
Perfect for: phased renovations, kitchen remodels,
ongoing projects
A Home Equity Line of Credit gives you flexible,
revolving access to your home's equity. Draw funds
as your renovation progresses, pay interest only on
what you use, and redraw as needed — all while your
first mortgage stays completely untouched.
✓Revolving credit — draw as your project
progresses
✓Interest only on funds drawn, not the full line
✓Ideal for kitchens, baths & multi-phase
projects
✓First mortgage stays intact
H O M E E Q U I T Y · L U M P S U M
Closed End 2nd
Perfect for: room additions, ADUs, full interior
transformations
Access a one-time lump sum from your equity at a
fixed rate, with fixed monthly payments — without
touching your existing first mortgage. Ideal when you
know your renovation budget upfront and want
predictable terms through the entire project.
✓Fixed lump sum funded at closing
✓Fixed rate & fixed monthly payment
✓Great for additions, ADUs & large-scale
renovations
✓No cash-out refinance required
SELF-EMPLOYED SOLUTIONS
YOUR INCOME QUALIFIES, JUST DIFFERENTLY
Tax write-offs shouldn't cost you the renovation you've earned.
Jeff has three programs built for business owners.
SELF-EMPLOYED · NO TAX RETURNS
Bank Statement
For: business owners, freelancers,
1099 earners
Qualify using 12–24 months of
personal or business bank deposits.
No tax returns. No W-2s. Your real
cash flow tells the real story.
✓ 12 or 24 months of statements
✓ Personal or business accounts
✓ No tax returns needed
SELF-EMPLOYED · CPA DOCUMENTATION
Profit & Loss
For: high write-off owners, LLC
operators
Qualify based on a CPA-prepared
P&L statement. Designed for
business owners whose net income
on paper doesn't reflect true earning power.
✓CPA-prepared P&L accepted
✓No tax return requirement
✓Flexible income calculation
SELF-EMPLOYED · WEALTH-BASED
Assets for Income
For: retirees, high-net-worth & asset-
rich homeowners
Retirement accounts, investment
portfolios, and savings can qualify
you. No monthly income verification
needed — your wealth does the work.
✓ Retirement & investment
accounts
✓ No employment required
✓ Asset-rich, income-light borrowers
NO INCOME VERIFICATION — FOR ADUS, RENTALS & INCOME PROPERTIES
Renovating to generate income? Let the property qualify for itself.
NO INCOME VERIFICATION · INVESTOR & STR
No Income & DSCR Loans
Perfect for: adding an ADU, converting space to a rental,
STR income properties
DSCR (Debt Service Coverage Ratio) loans qualify
based on the property's projected rental income — not
your personal income. No W-2s, no tax returns, no
employment documentation required. If the property's
cash flow covers the debt, Jeff can get it funded.
What qualifies:
🏡 Rental income covers debt service
The property's projected cash flow qualifies — not your
paycheck
📄Zero personal income docs
No W-2s, tax returns, or employment history
⚡Fast close in ~2 weeks
Fewer docs means Jeff moves faster
📈Build equity & income together
Renovate today, generate rental revenue for years
