• Find the home you like. We can make it the one you love!
  • Repair | Remodeling | Renovation
  • Kitchens | Baths | Modern Updates

203k Houston Contractor FHA Home Improvement Loans | 203k Certified Contractor for Houston Texas

Read More

We want to be your Remodeling Specialist.

Houston Remodeling Experts for over 30 Years

About the FHA 203k Home Loan

A homebuyer can purchase a home that does not meet loan condition requirements and get the work completed after he/she owns the home by adding the cost of the improvements to the mortgage.

203k Rehab Mortgage

The 203k loan program enables home buyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.

More Info

Streamlined 203k Limited Repair Program

FHA’s Streamline 203k Mortgage - The “Streamline (K)” Limited Repair Program permits home buyers to finance an additional $35,000 into their mortgage to improve or upgrade their home before move-in. With this product, homebuyers can quickly and easily tap into cash to pay for property repairs or improvements, such as those identified by a home inspector or FHA appraiser.

More Info

Samples of Work

Some samples of repair and remodeling work.


203k Rehab Frequently Asked Questions

Is the Section 203k program restricted to single-family dwellings?

No. The program can be used for one-to-four unit dwellings. Maximum mortgage limitations are the same as for properties under
Section 203(b).

Can Section 203k be used to improve a condominium unit?

Yes, however, condominium rehabilitation is subject to the following conditions:
A. Owner/occupant and qualified nonprofit borrowers only;
B. Rehabilitation is limited only to the interior of the unit. Mortgage proceeds are not to be used for the rehabilitation of exteriors or other areas which are the responsibility of the condominium association, except for the installation of firewalls in the attic for the unit;
C. Only the lesser of five units per condominium association, or 25 percent of the total number of units, can be undergoing rehabilitation at any one time;
D. The maximum mortgage amount cannot exceed 100 percent of the after-improved value. After rehabilitation is complete, the individual buildings within the condominium must not contain more than four units. By law, Section 203k can only be used to rehabilitate units in one-to-four unit structures. However, this does not mean that the condominium project, as a whole, can only have four units or that all individual structures must be detached. Example: A project might consist of six buildings each containing
four units, for a total of 24 units in the project and, thus, be eligible for Section 203k. Likewise, a project could contain a row of more than four attached townhouses and be eligible for Section 203k because HUD considers each townhouse as one structure, provided each unit is separated by a 1 1/2 hour firewall (from foundation up to the roof). Similar to a project with a condominium unit with a mortgage insured under Section 234(c) of the National Housing Act, the condominium project must be approved by HUD prior to the closing of any individual mortgages on the condominium units.

Can a six (or more) unit building be done using the 203k program?

No. However, the building could be renovated and reduced to a four unit building.

Can nonresidential (storefront) property be eligible for a 203k insured loan?

Yes. Mixed-use residential property is acceptable provided the property has no greater than 25% (for a one story building); 33% (for a three story building); and 49% (for a two story building) of its floor area used for commercial (storefront) purposes. The rehab funds can only be used for the residential functions of the dwelling and areas used to access the residential part of the property.

Can HUD-owned properties be purchased using the 203k loan?

Yes. However, the property must be advertised that it is eligible for financing with a 203k loan. If the HUD-owned property is purchased with other funds, a 203k loan can be made after the property is in the buyers name. In this case, cash back will be allowed to the borrower for a period of six months from purchasing the HUD-owned property.


We can help guide you through the process of using a 203k Contractor.

Your Name (required)

Your Email (required)

Phone Number (required)

Your Message


1106 Carby Houston TX 77037

Ready for Renovation

Ready to Sell Marketing Video