US Mortgage – Darcie Cox
Flexible Financing for Your Home Projects

I’m excited to offer flexible financing opportunities for homeowners who are ready to transform their living spaces. 

Whether you’re looking to remodel your kitchen, renovate your entire home, finish your basement, or add an ADU unit to your property, I can help make your vision a reality without the stress of upfront costs. 

With tailored financing options designed to fit a variety of budgets, you can start your project now and pay over time, all while increasing the comfort, functionality, and value of your home.

License Number: NMLS# 263092
Company License: # 3901

Why Work With Darcie Cox

With experience in helping homeowners choose the right financing path, I take the time to understand your goals and budget. My role is to make the lending process simple, clear, and stress-free so you can focus on bringing your project to life. Whether you’re planning a single-room remodel or a major home addition, I’ll walk you through your financing options step-by-step.

WHAT ARE YOU FINANCING?

Choose the path that best describes your project and explore the financing options that may be available.

REMODELING YOUR CURRENT HOME

Kitchen, bathroom, basement, attic, garage conversion, whole-home renovation, and other qualifying improvements.

BUILDING AN ADU


Financing options designed specifically for qualifying accessory dwelling unit projects.

BUYING OR REFINANCING A HOME THAT NEEDS WORK

Purchase or refinance a home while financing qualifying renovations through a renovation mortgage.

OUR MOST POPULAR OPTION FOR HOMEOWNERS

Renovation ARV HELOC

Keep your current rate. Finance your renovation

A Renovation ARV HELOC may allow qualified homeowners to finance qualifying improvements using the home’s projected after-renovation value while keeping their existing first mortgage and rate in place.

Keep Your Current Rate

Keep the rate on your 1st mortgage.

Second-Lien HELOC

Home Equity Line of Credit up to $500,000.

Use After-Renovated Value

Borrow up to 95% of your home’s projected ARV.

Fast, Simple Process

No draws or inspections, and no HUD consultant required.

OTHER RENOVATION FINANCING OPTIONS

Depending on your project and financing situation, other renovation mortgage programs may also be available.

FHA 203(k) LOANS

Finance the purchase or refinance of a home along with qualifying renovation costs through one mortgage.

HOMESTYLE® RENOVATION

Conventional renovation financing for qualifying structural and non-structural improvements, including major renovations and additions.

VA RENOVATION FINANCING

Renovation financing options for eligible veterans using qualifying VA benefits.

Contact Darcie Cox

Contact Darcie

Your Local Renovation Financing Expert

Apply Now

With years of experience in renovation lending, Darcie helps homeowners explore financing options that may fit their project, budget, and overall goals.

Local Guidance

Support from the initial financing conversation through the next steps.

Multiple Financing Options

Programs available for a variety of renovation projects and borrower situations.

A Simpler Process

Focused on making the financing side of the project clear and easier to navigate.

Branch Office: (NMLS ID#2575916) US Mortgage Corporation, 191 Telluride Street, Suite #08B, Brighton, CO 80601. CO (Regulated by the Division of Real Estate). Arizona Department of Financial Institutions, Mortgage Banker License. BK-BR-2001689 Licensed in: CO (Regulated by the Division of Real Estate), US Mortgage Corporation is not an agent of or acting on behalf of or at the direction of HUD/FHA/VA/USDA or the Federal government. Approved Fannie Mae & Freddie Mac Direct Seller & Service. Rates, fees and program guidelines are subject to change without notice. Some loans arranged through third party providers. Not all products and/or programs are available in all states. Certain restrictions may apply. This is not intended as an offer to extend credit nor a commitment to lend. Equal Housing Lender. US Mortgage Corporation (NMLS ID#3901) is licensed as a mortgage lender nationwide except for HI. For licensing information, go to: https://usmortgage.com/disclosures/ and https://www.nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/3901