NMLSID: 392417
Company: NMLS # 995506
Corporate Address:4801 Woodway Drive Suite 300 E
Houston, TX 77056
Charles Munoz
NMLS# 785783
7450 Campus Drive, Colorado Springs, CO, 80920
Phone: (719-301-3009)
Finance Your Home Purchase and Renovations with One Loan
A 203k Renovation Loan allows you to purchase or refinance a home while including the cost of eligible renovations in a single mortgage. Koi helps homebuyers and homeowners transform properties into their ideal living spaces with financing solutions designed to simplify both the purchase and renovation process.
No matter where you are in your homeownership journey, there’s a loan program built for your goals. Traditional buyers can choose between a 30-year fixed mortgage for lower monthly payments, a 15-year fixed mortgage to pay off their home faster, or an adjustable-rate mortgage with a lower initial rate. Popular financing options include conventional loans for well-qualified buyers, FHA loans with flexible credit requirements, VA loans for veterans and service members, and USDA loans for homes in eligible rural areas — and if upfront costs are a hurdle, down payment assistance can help bridge the gap. Buying a fixer-upper? 203k renovation loans let you roll repair costs into your mortgage. Self-employed borrowers can qualify with bank statement loans, investors can leverage DSCR loans based on rental income, and non-U.S. citizens can purchase property with foreign national loans. For higher-priced properties, jumbo loans offer financing beyond conforming limits. Homeowners looking to tap into their equity can explore HELOCs, simplify their finances with all-in-one loans that combine banking and mortgage into one account, or — if aged 62 or older — access their home’s value through a reverse mortgage.
Turn a House with Potential into Your Dream Home
A 203k Renovation Loan, insured by the Federal Housing Administration, provides qualified borrowers with the opportunity to finance both the home’s purchase price and approved renovation costs through one convenient mortgage. Instead of applying for separate loans, you can complete essential repairs, modernize outdated features, or improve the home’s functionality with a single financing solution. Koi works closely with you to explain program requirements, review eligible renovation projects, and coordinate every stage of the loan process. From the initial application through project completion, you’ll receive knowledgeable guidance and responsive communication to help ensure a successful renovation experience.
Renovation Financing Built Around Your Vision
Whether you’re purchasing a fixer-upper or updating your current home, a 203k Renovation Loan gives you the flexibility to invest in improvements that increase both comfort and property value. Eligible projects may include kitchen remodels, bathroom renovations, roofing, flooring, HVAC upgrades, accessibility improvements, and many other qualifying repairs. Every renovation project is unique, which is why Koi takes the time to understand your goals, budget, and timeline before recommending the financing option that best fits your needs. By creating a personalized lending strategy, you’ll have the confidence to move forward with a clear plan for your home’s future.
Key Benefits of Renovation Loans
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Combine Purchase and Renovation Costs
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Increase Property Value
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Flexible Improvement Options
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Turn Fixer-Uppers into Homes
Professional Support from Application to Project Completion
Renovation financing involves additional planning and coordination, making experienced guidance especially important. Koi is committed to helping you navigate every phase of the 203k loan process by providing honest advice, timely updates, and dependable support from beginning to end. Every detail is handled with care to help keep your project moving smoothly. Whether you’re revitalizing an older home or customizing a newly purchased property, Koi is dedicated to making your renovation goals a reality. With personalized service, specialized mortgage knowledge, and a commitment to exceptional customer care, you’ll receive financing designed to help you create the home you’ve always envisioned.
Why Choose Koi for Your Home Financing Needs?
We are known for
Personalized Mortgage Solutions
Diverse Loan Program Options
Transparent Communication
Dedicated Customer Service
Why Choose Koi for Your Home Financing Needs?
We are known for
Personalized Mortgage Solutions
Diverse Loan Program Options
Transparent Communication
Dedicated Customer Service
Let's Take the Next Step Toward Your Homeownership Goals
No matter which mortgage solution best fits your needs, Koi is committed to helping you navigate the lending process with confidence and clarity. From your initial consultation to the day you close on your loan, you’ll receive personalized guidance, honest communication, and financing recommendations tailored to your unique financial goals. Contact Koi today to discuss your options and discover a mortgage solution designed to help you achieve lasting homeownership success.
