Zach Sheppard

Sr. Loan Officer and Home Renovation Loan Expert Email [email protected]
Mobile 3176981043 Schedule Schedule a call
Office 3035676031
Contact card Contact Card
Get started with Zach

Hello! My name is Zach, and I live in Denver, CO. I bring years of experience in residential mortgage lending, helping clients navigate everything from straightforward home purchases to more complex financing scenarios. I specialize in creative loan structuring, renovation financing, jumbo and non-traditional lending solutions, and working closely with real estate professionals to find the right strategy for each client. I’m especially passionate about solving problems, simplifying the mortgage process, and helping clients understand their options so they can make confident financial decisions. What I love most about this work is the relationship side of the business-getting to know my clients, finding solutions that genuinely fit their goals, and being part of such an important moment in their lives. I take pride in providing a responsive, transparent, and highly personalized lending experience from start to finish.

Based in Denver, COBased in Denver, CO NMLS #996224

Loan options for every scenario.

Loan options may vary depending on your location and available lender.

Renovations
Renovating an existing home or a home that you're looking to purchase.
Purchases
Purchasing a new home or land to build on.
ADUs
Adding an ADU to to a property you own or planning to purchase.
New Builds
Building a new home from the ground up or demolishing an existing structure.

Recent RenoFi Reviews

RenoFi Renovation Loans

RenoFi Renovation Loans unlock the power of your home’s future value so you can:

Keep existing mortgage without refinancing.
Get lower rates based on the future value of your home.
Pay early without prepayment penalties.
Choose between fixed rate and variable rate home equity loan and HELOC options.
Get started with Zach

Perfect for ADU financing

Finance the addition of an Accessory Dwelling Unit with RenoFi and enjoy:

  • Increased Property Value

  • ADUs can significantly increase the value of a property by adding usable square footage and expanding living spaces.

  • Flexible Living Spaces

    ADUs offer flexible options for homeowners, whether they’re looking to:

    • Create a private space for family members (like elderly parents or young adults).
    • House guests.
    • Set up a home office or studio. This flexibility adapts well to changing family needs and lifestyle shifts.
Image

Why a RenoFi Loan is the best loan for your renovation

Renovation
Loans		Standard Cashout RefiStandard Home Equity LoanConstruction Loan
Loan based on the after renovation value
Borrow up to 90% after renovation value
No refinancing options available
Inspections and draws not required

Borrow more

RenoFi matches homeowners to the best financing product for their project.

Longest Terms, Lowest Rates

Terms up to 20 years. Rates are based on the after renovation value.

No Refinancing Required

Have a great rate locked in on your first mortgage? No problem!

Cash Up Front

Once approved, homeowners receive 100% of cash up front. No draws, no inspections.

See what Renofi can do for you

Zach Sheppard

Sr. Loan Officer and Home Renovation Loan Expert
NMLS #996224
Mobile 3176981043 Office 3035676031
Schedule a call using the button below or contact me using the contact form.
Schedule a call
You have successfully sent your message!

By clicking “Get In Touch” I am agreeing to receive phone calls, SMS (text messages) and emails from RenoFi, LLC. I expressly consent to recurring contact from RenoFi, or its agents, at the number and/or email address I provided regarding products or services via live, automated or prerecorded telephone call, SMS (text message), or email. I understand that my telephone company may impose charges on me for these contacts, and I am not required to enter into this agreement as a condition of purchasing property, goods, or services. I understand that I can revoke this consent at any time. SMS Terms and Conditions and Privacy Policy apply.

We Use Cookies & Website Tools

Cookies, website analytics and web session capture/replay technologies (together “Tools”) help us improve and run our website, and allow us to view and retain your interactions with it. By continuing, you agree to our use of Cookies and Website Tools. Refer to our Privacy Policy.