Ground-up construction financing in Colorado covers single-family and 2–4 unit builds, from the lot to the final line item, sized on cost and capped on as-complete value. Program terms do not change by state; permits, closing costs and the lien process do. Here is what applies in Colorado.
Silt's terms do not change at the state line. The term sheet reflects the property, the file and the supported value.
Loan amounts
$200K – $10M
Residential scope
1–4 units · nationwide
Leverage
90% LTC · 70% ARV
Structure
Interest-only, 12–24 mo
Draws
Funded in 48h, app-based
Projects
Infill & multi-lot
WHAT IS SPECIFIC TO COLORADO
Colorado facts that touch this loan
Foreclosure. Colorado is listed as a non-judicial-foreclosure jurisdiction: a power-of-sale clause in the deed of trust or mortgage lets the sale proceed without a court judgment, following the statutory notice steps. County public-trustee guidance identifies C.R.S. §38-38-101 as the commencement/documentation statute for public-trustee foreclosure. Do not characterize Colorado power-of-sale foreclosure as necessarily free of court authorization. [1][2]
Title company or attorney escrow agent. Colorado’s Division of Real Estate identifies a title company or attorney hired to handle the closing as an escrow agent. This supports both settlement channels, not a mandatory attorney-only classification. [3]
Odd-year revaluation. Colorado revalues real property in odd-numbered years; residential valuation uses comparable sales. Underwrite the applicable valuation cycle rather than assuming each sale automatically resets value to its price. [4]
Foreign authority is activity-dependent. A foreign entity can obtain authority to transact business by filing a Statement of Foreign Entity Authority. The Secretary of State directs entities to C.R.S. § 7-90-801 to determine whether their activities require authority. [5]
Denver primary-residence license. Denver requires a short-term rental license and limits STRs to the host’s primary residence. The license number must appear on advertisements. This is a Denver city rule, not a metro-wide permission for investor rentals. [6]
Statutory documentary fee and payer. C.R.S. §39-13-102 charges a documentary fee of $0.01 per $100 or major fraction of consideration when consideration exceeds $500. The person offering the instrument for recording pays the county recorder; the statute does not categorically assign it to buyer or seller. [7]
Foreign authority filing fee. Colorado SOS lists the online Foreign Entity Authority Statement filing fee at $100, separate from later periodic reports. [8]
Residential nonpayment notice and exceptions. Colorado’s current JDF 99 A court form lists nonpayment demand periods of 10 days for residential agreements, 5 for exempt residential agreements, 3 for employer-provided housing and 30 for CARES Act property, citing §13-40-104(d). Ten days is not universal. [9]
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LARGEST METRO AREAS
Where Colorado's population is
By Census Bureau population estimates, Vintage 2025 (July 1, 2025). Silt lends statewide — these markets are not a limit. Metros are ranked by full-area population among those listing this state first in the Census name; Washington is also included for Virginia and Maryland. Interstate totals are not state-only populations. [10]
Denver-Aurora-Centennial, CO
Colorado Springs, CO
Greeley, CO
Fort Collins-Loveland, CO
Boulder, CO
FAQ
Ground-up in Colorado: questions investors ask
Does Silt make ground-up loans in Colorado?
Yes. Colorado is one of the states Silt lends in, and the ground-up program covers single-family and 2–4 unit residential construction — infill, multi-lot, spec, custom and luxury.
Is Colorado a judicial or non-judicial foreclosure state?
Colorado is listed as a non-judicial-foreclosure jurisdiction: a power-of-sale clause in the deed of trust or mortgage lets the sale proceed without a court judgment, following the statutory notice steps. County public-trustee guidance identifies C.R.S. §38-38-101 as the commencement/documentation statute for public-trustee foreclosure. Do not characterize Colorado power-of-sale foreclosure as necessarily free of court authorization.
Do ground-up terms change in Colorado?
No. The program terms are the same in every state Silt lends in: loan amounts $200K – $10M; residential scope 1–4 units · nationwide; leverage 90% LTC · 70% ARV; structure Interest-only, 12–24 mo; draws Funded in 48h, app-based; projects Infill & multi-lot. The final term sheet reflects the property and the file.
Can I close in an LLC in Colorado?
Every Silt loan closes in an LLC or corporation, never a personal name. A foreign entity can obtain authority to transact business by filing a Statement of Foreign Entity Authority. The Secretary of State directs entities to C.R.S. § 7-90-801 to determine whether their activities require authority.
What closing taxes should I budget in Colorado?
C.R.S. §39-13-102 charges a documentary fee of $0.01 per $100 or major fraction of consideration when consideration exceeds $500. The person offering the instrument for recording pays the county recorder; the statute does not categorically assign it to buyer or seller.
What do you need from the general contractor?
A licensed GC, contractor license and insurance, an executed GC agreement and an itemized budget. Plans, permits and the construction schedule should describe the same scope so underwriting and the draw plan stay aligned.
Estimates on this page are not a commitment to lend. State facts reviewed October 2026; laws and rates change — confirm with your title company or attorney.