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FHA Inspection

The Standard 203k

If you are looking to purchase a home or fix up your current home the FHA 203k mortgage may be the answer. The Standard 203k mortgage allows the new home owner or the current owner the opportunity to finance the repairs into the mortgage. This could have some tax benefits for the homeowner.

You will first need to find a mortgage company that is qualified to generate a 203k loan. Not all lenders do 203k’s. If you need a recommendation please contact our office. 303-777-8025

For a new home owner they can have all the renovation work built into the mortgage and all the repairs are completed after closing on the house. For a current home owner they can refinance with a 203k to finance their new addition or renovation.

There are many benefits to a FHA 203k. One is the aid of a trained and Certified Consultant. The Consultant comes along your side to be your advocate. The Consultant can advise the borrower if the project is feasible and inform the borrower of any FHA manditory repairs. The Consultant will oversee the entire project from the day you go under contract on your home to the completion of the renovations. The consultant frequently inspects the work progress to assure the borrower and the lender that the work is satisfactory.

There are some limitations on the Standard 203k. Two of these limitations are the amount the home owner qualifies for and the value of your house after it has been repaired, which ever is less. Depending on your individual circumstances will determine how big or little the project is.

If you are interested in a 203k project, contact our office at 303-777-8025 for a free phone consultation.