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Recent Blog Posts

6/30/2024

Looking to buy a house with potential and personalize it to your taste? An FHA 203k loan can be your key to unlocking that dream. This government-backed mortgage allows you to finance both the purchas...

6/28/2024

You're exactly right! That's a common misconception, but FHA 203k loans are not just for first-time homebuyers.  Here's why non-first-time homebuyers can benefit from this program: Renovate you...

6/26/2024

There's some truth to this one. FHA 203k loans typically do have slightly higher interest rates compared to standard FHA loans.  Here's why: Increased Lender Risk: From the lender's perspective...

6/24/2024

You're absolutely right! Contrary to the myth, you actually can refinance with an FHA 203k loan. This can be a valuable option for homeowners who already own a property that needs renovations.  ...

6/22/2024

That's a good one to clarify! Unlike a typical appraisal, the FHA 203k appraisal process does take renovation plans into account.  Here's the breakdown: Two Values Considered: The appraiser wil...

6/20/2024

You're right! There are misconceptions about which properties qualify for FHA 203k loans.  Here's a breakdown of eligible properties: Residential properties: FHA 203k loans are for financing th...

6/18/2024

That's a common concern, but FHA 203k loans have features to help you avoid renovation delays and budget overruns.  Here's how: Detailed plan and budget: The 203k process requires a detailed pl...

6/16/2024

You are on the right track! FHA 203k loans do not require a massive down payment, which is a common misconception.  Here's how the FHA 203k down payment works: Minimum down payment: The minimum...

6/14/2024

You've got it! Perfect credit isn't required for an FHA 203k loan.  Here's the truth about credit score requirements for FHA 203k loans: Minimum FHA score: The FHA sets a minimum credit score r...

6/12/2024

That's right, the FHA 203k loan process isn't necessarily insanely complex. While there are more steps involved compared to a standard mortgage, it can be manageable with good preparation and the help...

6/10/2024

Does the thought of a charming older home with potential send shivers down your spine - because of outdated finishes or minor structural issues? While a move-in ready home might seem ideal, the FHA 20...

6/8/2024

The FHA 203k loan program unlocks a world of possibilities for homebuyers looking to transform fixer-uppers into dream homes. However, many misconceptions surround this loan option, deterring potentia...

6/6/2024

The real estate market is ever-evolving, and savvy realtors® are constantly seeking ways to distinguish themselves and broaden their client base. The FHA 203k loan program offers a unique opportunity ...

6/4/2024

The FHA 203k loan program empowers you to transform a fixer-upper into your dream home, but did you know there are different loan options tailored to various renovation needs and project scopes? Under...

6/2/2024

Have you found a house with loads of potential, but it needs some TLC to become your dream home? The FHA 203k loan program can turn that potential into reality! This government-backed loan allows you ...

5/31/2024

The real estate market offers a diverse selection of properties, but sometimes the perfect location or charming features come with a caveat – a need for renovation. This can deter some buyers, but for...

5/29/2024

House hunting in Columbus, Indiana can be an exciting yet challenging adventure. You might find yourself falling in love with a home's location, charm, or historic features, only to be discouraged by ...

5/27/2024

Embarking on a home renovation project is an exciting venture. However, before the demolition commences and the construction crew arrives, it's crucial to address the legal aspects to ensure a smooth ...

5/25/2024

The final stretch of a renovation project can be both thrilling and nerve-wracking. After months of planning, construction dust, and living in a state of organized chaos, the big reveal is upon you. H...

5/23/2024

Renovating your home offers an opportunity to create a beautiful and functional space, but it also presents a chance to embrace eco-friendly practices and contribute to a greener future. Here's a guid...

5/21/2024

Embarking on a home renovation project can be an exciting yet daunting venture. This guide will illuminate the various stages involved, transforming your vision from a dream into a beautifully renovat...

5/19/2024

Obtaining a renovation loan can unlock the door to transforming your dream home into a reality. However, renovation loans often involve inspections – a step that might seem daunting for some homeowner...

5/17/2024

The excitement of embarking on a renovation project can quickly turn into frustration when faced with change orders and cost overruns. While unexpected situations are inevitable, understanding these s...

5/15/2024

The allure of a stunningly renovated space can be dimmed by the harsh reality of a hefty budget. But fear not, design enthusiasts! With a little creativity and resourcefulness, you can achieve a styli...

5/13/2024

Embarking on a home renovation project is an exciting venture. However, amidst the whirlwind of design decisions and material selections, clear communication can often become an overlooked, yet crucia...

5/11/2024

The allure of a beautifully renovated home can quickly fade when faced with the realities of construction. Dust, noise, disruption – renovation projects can test your patience and turn your once seren...

5/9/2024

The kitchen is often considered the heart of the home. It's where families gather, meals are prepared, and memories are made. If your kitchen is yearning for an upgrade, you're not alone. But kitchen ...

5/7/2024

The basement, often relegated to storage or laundry duty, holds immense potential for becoming a cherished extension of your living space. With a little creativity and the right approach, you can tran...

5/5/2024

Living in a comfortable and accessible home is essential for everyone. If you or a loved one requires accessibility modifications to navigate your living space safely and independently, renovation loa...

5/3/2024

Dreaming of a home library, a rooftop terrace, or a sparkling home theater? While kitchen and bathroom renovations reign supreme, your home renovation aspirations can extend far beyond these tradition...

5/1/2024

The allure of a renovation loan is undeniable - it unlocks the door to transforming your dream home without needing a hefty sum upfront. But while renovation loans offer a powerful tool, incorporating...

4/29/2024

Embarking on a home renovation? Why not embrace sustainability and incorporate eco-friendly elements into your project? Not only will you be doing your part for the environment, but you might also see...

4/27/2024

The dream of a home renovation can ignite your desire to refresh your living space. But financing these projects can feel overwhelming. The good news is, there's a loan option to fit your renovation s...

4/25/2024

As a veteran, you've served your country with honor. Now, it's time to create a home that honors your service and reflects your dreams. The VA renovation loan, also known as the VA rehab loan, can be ...

4/23/2024

The FHA 203k loan unlocks a world of possibilities for transforming a fixer-upper into your dream home. But with excitement comes the crucial first step: finding the right property. Here's your ultima...

4/21/2024

The FHA 203k loan opens doors to transform a fixer-upper, but hidden costs can derail your budget and create unnecessary stress. Here's a roadmap to navigate these potential pitfalls and keep your FHA...

4/19/2024

The FHA 203k loan program empowers people to transform neglected properties into cherished homes. These inspiring stories showcase the potential of the FHA 203k loan to turn fixer-uppers into dream ho...

4/17/2024

The FHA 203k loan unlocks exciting possibilities for transforming a fixer-upper into your dream home. But the process can seem complex at first glance. Fear not! This step-by-step guide will equip you...

4/15/2024

The success of your FHA 203k renovation hinges heavily on choosing the right contractor. They'll be your partner in transforming your vision into reality, ensuring quality work adheres to program guid...

4/13/2024

The FHA 203k loan opens doors to exciting renovation possibilities, but navigating the financial aspects requires meticulous planning. Underestimating costs can lead to stress, delays, and even projec...

4/11/2024

The FHA 203k loan, backed by the Federal Housing Administration (FHA), is a powerful tool for transforming a fixer-upper into your dream home. It combines financing for both the purchase and renovatio...

4/9/2024

The FHA 203k loan is often associated with transforming fixer-uppers into dream homes. But its potential goes beyond standard renovations. This government-backed program can unlock a world of creative...

4/7/2024

The allure of house flipping beckons – buying a fixer-upper, injecting renovations, and selling it for a tidy profit. But can the FHA 203k loan, designed for owner-occupants, be used for this strategy...

4/5/2024

The FHA 203k loan unlocks exciting possibilities for transforming a fixer-upper into your dream home. It allows you to finance both the purchase and renovation of a property into a single, convenient ...

4/3/2024

The allure of transforming a fixer-upper into your dream home is undeniable. But financing such a project requires careful consideration. Two popular options emerge: the FHA 203k loan and the conventi...

3/19/2024

 Unfortunately, there's no one-size-fits-all answer to how long a 203k renovation will take. The timeframe can vary significantly depending on several factors: Complexity of the Project: Limite...

3/17/2024

Unfortunately, exceeding your renovation budget when using an FHA 203k loan can be a stressful situation. Here's a breakdown of what happens and potential solutions:  Understanding the Impact: ...

3/15/2024

Dreaming of extra space? Adding an extension to your home can be a fantastic way to gain that much-needed room without the hassle of moving. But financing such a project can be tricky. Enter the FHA 2...

3/13/2024

The FHA 203k loan unlocks exciting possibilities for transforming your fixer-upper into a dream home. However navigating the design, planning, and execution stages requires careful consideration. Here...

3/11/2024

Embarking on an FHA 203k renovation journey can be exciting, but avoiding common pitfalls is crucial for a smooth and successful experience. Here are some key mistakes to steer clear of:  Undere...

3/9/2024

While the FHA 203k loan offers an alluring solution for fixer-upper dreamers, it's crucial to be aware of potential risks before embarking on this journey. Here are some key challenges to consider: ...

3/7/2024

 Choosing between an FHA 203k loan and a personal loan for renovations depends on your specific needs and financial situation. Here's a breakdown of the advantages and disadvantages of each optio...

3/5/2024

While the FHA 203k loan itself doesn't directly offer tax benefits, incorporating specific renovations into your project can unlock potential tax deductions and credits, making your fixer-upper journe...

3/3/2024

The FHA 203k loan program is designed specifically for purchasing and renovating fixer-upper homes in one loan package.  Eligibility: Minimum credit score: Generally 620, but individual lenders...

3/1/2024

Predicting your exact monthly mortgage payment after a 203k renovation is unfortunately not possible without specific details about your project and loan terms. However, I can help you understand the ...

2/28/2024

While transforming your fixer-upper with an FHA 203k loan, unexpected tweaks or changes to your renovation plan might arise. Fear not, intrepid homeowner! The program allows for change orders, but nav...

2/26/2024

In the world of FHA 203k loans, where dreams of fixer-uppers transform into beautiful realities, the 203k draw schedule acts as the financial roadmap, ensuring that funding flows smoothly throughout y...

2/22/2024

Finding the right contractor is crucial for a successful FHA 203k renovation. Here are some tips to help you find a qualified and experienced professional:  Start Your Search: Ask for recommend...

2/20/2024

You can refinance your existing mortgage with an FHA 203k loan, unlocking the power of the program even if you're not a first-time homebuyer. This option, known as the FHA 203k cash-out refinance, let...

2/18/2024

So, you've chosen the perfect FHA 203k loan to transform your fixer-upper into a dream home. But amidst the excitement, a term might raise questions: Mortgage Insurance Premium (MIP). Fear not, intrep...

2/16/2024

Choosing between an FHA 203k Standard and Streamline loan depends on your specific renovation needs and situation. Here's a breakdown of when each type shines:  Choose a 203k Standard loan if: ...

2/14/2024

So, you've set your sights on transforming a charming fixer-upper into your dream home, and the FHA 203k loan program beckons! But within this program lies a crucial decision: which loan type, Standar...

2/12/2024

So, you've navigated loan limits, interest rates, and down payments on your journey to transform your fixer-upper with an FHA 203k loan. Now it's time to cross the finish line – closing day! But befor...

2/10/2024

Transforming a charming fixer-upper into your dream home with an FHA 203k loan is an exciting adventure! But before you break out the toolbox, understanding the down payment requirements is crucial. W...

2/8/2024

So, you've set your sights on transforming a charming fixer-upper into your dream home with the magic of an FHA 203k loan. You've navigated loan limits and renovation plans, but one crucial question r...

2/6/2024

So, you've set your sights on a fixer-upper brimming with potential, and the FHA 203k loan is your trusty sidekick for transforming it into your dream home. But before you get carried away with renova...

2/4/2024

Remember that charming fixer-upper with endless potential, just waiting for your personal touch? Well, the FHA 203k loan is like a magic license to renovate, but choosing the right projects can be jus...

2/1/2024

Remember that charming fixer-upper with endless potential, but wondered if you could turn that "diamond in the rough" into your sparkling dream home? Well, worry not, aspiring homeowners, because the ...

1/30/2024

Have you ever stumbled upon a home with undeniable charm, but a few (okay, maybe more than a few) quirks begging for TLC? You know, the one with the kitchen straight out of a 70s time capsule and the ...

1/20/2024

Makeover Inspections & Consulting launches an InterNACHI exclusive opportunity to its members to become Renovation Consultants Makeover Inspections & Consulting LLC, today announced their Renovati...

1/18/2024

If you are planning to undertake a renovation project, you may want to consider using a HUD (Department of Housing and Urban Development) consultant. A HUD consultant is an expert in the HUD 203k loan...

1/16/2024

You heard it! Your favorite 203k HUD Consulting company is in expansion mode. It took a lot of blood, sweat, and tears, to get to this point but here we are. No longer are we located in Indiana alone....

1/14/2024

Are you looking to upgrade your home but don't have the funds to do so? A renovation loan may be the solution you've been searching for.  Renovation loans are a type of home loan that allows ...

1/12/2024

If you're planning on renovating your home, you might be considering the 203k renovation loan. This government-backed loan program allows you to finance your home renovation and repairs with a single ...

1/12/2024

If you're shopping for a new home, you might have heard of the FHA 203k Renovation Loan. This type of loan allows you to finance the purchase of a home along with any necessary renovations or repairs,...

1/8/2024

Home renovations can be a costly endeavor, but the 203k renovation loan is a government-backed loan program that can help finance your renovation projects. However, like any other financial decision, ...

1/6/2024

If you're planning a home renovation, you may want to consider the 203k renovation loan. It's a government-backed loan program that provides the funds you need to complete your home renovation project...

1/2/2024

Your home is one of the biggest investments you'll ever make, and keeping it in good condition is important for maintaining its value. However, home repairs and renovations can be expensive. If you're...

12/30/2023

The 203k renovation loan is a great option for homeowners looking to make repairs or renovations to their homes. However, it's important to understand the dos and don'ts of using this type of loan to ...

12/28/2023

Choosing the right contractor is essential for any home renovation project, and this is especially true when using a 203k renovation loan. The contractor you choose can make or break your renovation p...

12/24/2023

If you're planning a home renovation, you may be wondering whether to go for a 203k renovation loan or a traditional home improvement loan. While both loans offer financing for home improvement projec...

12/22/2023

Are you planning a home renovation but unsure how to finance it? You're not alone. Many homeowners struggle with finding the best financing options for their renovation projects. In this guide, we'll ...

12/20/2023

Home renovation projects can be exciting, but deciding whether to DIY or hire a professional can be a tough decision. Here are the pros and cons of each option to help you make an informed choice. ...

12/18/2023

In today's world, increasing your home's energy efficiency is essential for both the environment and your wallet. Making simple upgrades to your home can help you save money on your energy bills and r...

12/16/2023

In recent years, the idea of a smart home has become increasingly popular. With the rise of connected devices and smart technology, homeowners now have more options than ever before to automate and co...

12/14/2023

If you're feeling like your home is bursting at the seams, it might be time to take a closer look at how you're using your space. With a few simple tips and tricks, you can maximize your home's space ...

12/12/2023

Painting your home can be an exciting and daunting task. You want to choose the right colors that will complement your furniture, decor, and personal style, while also considering the overall vibe and...

12/10/2023

Are you looking to increase the resale value of your home? One of the best ways to do so is by undertaking some home improvement projects. However, not all home improvement projects are created equal ...

12/8/2023

The kitchen is often considered the heart of the home, and for good reason. It’s where meals are prepared, families gather, and memories are made. However, a kitchen renovation can be a daunting and e...

12/7/2023

Get a Qualified and Experienced 203k Contractor! Obviously, you can do WHATEVER you want, it's your house and your project. But, working with a 203k Experienced Contractor, which we have here at Makeo...

12/6/2023

A small bathroom can be a big headache, but with some creativity and smart design choices, it can also be a big opportunity to create a beautiful and functional space. In this blog post, we'll share s...

12/4/2023

Your home's exterior is the first thing people see when they approach your property. A home with great curb appeal not only looks attractive, but it can also increase your property's value. If you're ...

12/2/2023

Check out this killer Duplex Renovation in Indianapolis, Indiana. These buyers had a dream of owning their homes and becoming landlords all at the same time. The Makeover Mortgage Process made that po...

12/1/2023

   Yes, it can be done! Anyone eligible for a VA Loan is also eligible for a VA Reno Loan. This means you can use the Makeover Mortgage Process to buy a home, fix it up, and move in with NO MONEY DOWN...

11/30/2023

  If you're planning a home renovation, you may need to borrow money to finance the project. A renovation loan can be a great way to get the funding you need to transform your home. However, not all r...

11/16/2023

Embarking on a home renovation project can be an exciting and fulfilling experience. It's an opportunity to transform your living space and make it more functional, comfortable, and stylish. However, ...

11/14/2023

If you're looking to finance your home renovation, you might have come across the terms "FHA 203k" and "Conventional Homestyle" loans. Both of these loan programs offer a way for you to finance the co...

11/13/2023

   We get this question and run into this issue almost weekly.  Can my brother-in-law be my contractor?  The short answer is NO.  FHA 203k renovation rules state that you, a borrower, are not allowed ...

11/12/2023

Renovating your home can be an exciting and rewarding experience, but it can also be stressful and overwhelming. One of the biggest challenges is finding the right renovation loan to fit your needs an...

11/10/2023

For many people, owning a home is the ultimate dream. However, for those with mobility or accessibility issues, finding a home that meets their needs can be a challenge. Renovating your home to make i...

11/9/2023

     When it comes to shopping for a new home in a down market, or low supply, you need to be smart. Don't get stuck with a bad inspection in your hand and no idea what to do next. Using the Makeover ...

11/5/2023

If you're planning to sell your home in the near future, making some renovations can help increase its value and attract potential buyers. However, not all renovations are created equal. Here are some...