Financing in Colorado
Financing as a Tool,
Not a Requirement.
Thoughtful building starts with clear planning. Financing is simply one option some homeowners choose to support a larger investment.
At Prenvalley Builders, our focus is always on thoughtful planning, accurate budgeting, and high-quality construction. Financing is never required to work with us — but for some homeowners, it can be a useful tool to support a larger project such as an ADU, addition, or custom home.
We believe financing decisions should be made with clarity and intention, based on real numbers and a clear understanding of scope. Our role is to help you explore options responsibly — not to pressure you into them.
When Financing Make Sense
Is Financing Right for Your Project?
Financing may be a good fit if you’re:
Planning an ADU to create long-term rental income
Adding space to support a growing family
Looking to preserve cash flow while investing in your home
Leveraging existing home equity
Building with long-term value and performance in mind
For many of our clients, financing is a strategic choice, not a necessity.
Clarity First. Decisions Second.
How Financing Fits In our Process
We recommend discussing financing after we’ve reviewed feasibility, scope, and budget together. This ensures any financing decisions are based on accurate estimates — not early assumptions.
Our process allows you to:
Understand realistic investment ranges
Explore design options that impact cost
Make informed decisions about how (or if) financing fits your goals
Financing works best when paired with thoughtful pre-construction planning.
Financing Options
Financing Resources We Share
As a convenience to homeowners exploring their options, we provide access to trusted third-party financing partners who specialize in residential construction and renovation projects.
These options may include:
Home equity–based financing
Construction and renovation loans
Financing options designed for ADUs and home additions
Availability, terms, and eligibility vary by lender and individual circumstances.
ADU & Renovation Financing
Take a couple minutes to fill out a pre-approval today via the link below! There will be no impact to your credit score.
A loan based on your property’s after renovation value.
Get started to see today’s loan rates. You don’t have to buy new to get a dream home.
ADU, Renovation & Custom Home Financing
Charles Edington is a mortgage professional with over 20 years of experience and is a certified ADU Specialist. He has experience providing creative financing for all kinds of projects ranging from ADUs, remodels, to custom homes.
Frequently Asked Questions
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No. Financing is optional. Many of our clients choose to self-fund their projects.
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We recommend exploring financing after your project scope and budget are clearly defined during pre-construction.
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Yes. Financing is often used for ADUs, major additions, and large-scale renovations — particularly when homeowners are investing for long-term value or rental income.
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No. We do not sell or profit from financing products. Our goal is education and transparency.
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No. Our approach to design, materials, and construction quality stays the same regardless of how a project is funded. Financing decisions are always made after scope and budget clarity, ensuring quality, performance, and long-term value are never compromised.
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Yes. Many homeowners choose to combine financing with cash or equity to support larger projects while maintaining flexibility. This approach can be especially helpful for ADUs, additions, or custom homes where long-term value and performance are key considerations.