THE MAKEOVER BLOG
Renovation stories, useful ideas, and perspectives to help you see what comes next.
Contracting
Finding the right contractor is one of the biggest keys to a smooth 203k project. Here's how to do it right in 2026: Start with our preferred contractor network—we have a vetted list of pros we've worked with on previous…
Read article : How Do I Find a Contractor Experienced with FHA 203k Loans in My Area? 🛠️🔍Contracting
On a 203k loan, YOU are the final gatekeeper of every dollar. If the work doesn’t meet your quality standards: You must personally approve each draw request before funds are released to the contractor. Don’t like the qua…
Read article : What Protections Do I Have if Renovations Don’t Meet Quality Standards on a 203k? (You Control the Money!) 🛡️💰General
For many homeowners, the allure of saving money through DIY projects is strong, especially when buying a fixer-upper. However, when utilizing an FHA loan, particularly a 203(k) renovation loan, you'll quickly discover th…
Read article : Can I Fix It Myself? FHA Loans and Licensed ContractorsGeneral
Major 203k renovations (structural work, full gut jobs, additions, roof replacement) often mean the home isn't livable for a while in 2026: Limited/cosmetic projects: usually stay in the home the whole time (3-6 months t…
Read article : How Long Might I Have to Live Elsewhere During Major 203k Renovations? 🏠🚚Consulting
Disagree with your HUD consultant's recommendations on a Standard 203k? You still have power as the borrower—here's what to do in 2026: Talk directly to the consultant during/after the walkthrough—explain your vision and…
Read article : What If I Disagree with the HUD Consultant's Recommendations on a 203k? (Your Options!) 🗣️🏠General
For many first-time homebuyers, finding an affordable home often means looking at properties that need a little (or a lot) of TLC. The daunting prospect of finding a separate loan for repairs, on top of the mortgage, can…
Read article : The "One Loan" Solution: FHA 203(k) for First-Time BuyersConsulting
The HUD consultant meeting for a Standard 203k is a key step—here's what to expect from a borrower's perspective in 2026: The consultant walks every room, takes measurements, photos, and notes on the current condition. T…
Read article : What Should I Expect During the 203k HUD Consultant Meeting? (Borrower's Guide!) 👀🏠Mortgage
A 203k loan bundles the home purchase/refinance + ALL renovations into ONE mortgage, so your monthly payment is higher than a standard loan because it includes the improvement costs from day one. Example: $300k home + $5…
Read article : How Does a 203k Impact My Monthly Mortgage Payments Compared to a Standard Loan? 💳🏠General
Yes—the FHA 203k Renovation Loan works great for duplexes, triplexes, or small fourplexes! You finance the purchase + renovations in one loan, live in one unit as your primary residence for at least one year, and rent ou…
Read article : How Does a 203k Work for Multi-Unit Properties Like Duplexes? (Live in One, Rent the Rest!) 🏠🔑
