203k Certified Contractors
In New York State





Certified by the International Association of Certified Home Inspectors





FHA 203K Contractors



Considering a HUD 203(k) renovation loan?
This is the single most important remodeling tool available for  Realtors, Borrowers, and Renovators.


203k Loan Specialist
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Contractors need to be as knowledgeable as possible regarding the 203k (HUD’s guidelines, time lines, paperwork, processes, compensation, etc.) FHA lenders, Realtors® and consumers Certified 203k Contractors are as knowledgeable as possible on the 203k loan.

The borrower is able to choose whomever they want to work with, however the lender is responsible for determining that the selected contractor is acceptable to do the 203k project in a timely, workmanlike manner, and in accordance with HUD’s guidelines by verifying the contractor’s license, insurance, references, credentials, work experience, as well as the contractor’s understanding of and competency with the 203k.

Often times a contractor who has never worked with a 203k project doesn’t understand everything involved. A big issue with some contractors is that the compensation structure set by HUD does not always permit contractors to receive pre-renovation deposits/start-up funds. Contractors must be financially capable of affording the start-up costs and ongoing expenses with any 203k renovation project. Ample credit lines with suppliers and subs and/or sufficient capital/reserves will be verified as part of the certification process.

203k Contractors here thoroughly understand the entire process and work directly with 203K lenders and consultants.

A 203K loan is the only permanent mortgage loan that permits a buyer to acquire a home that doesn’t meet minimum HUD guidelines and provides funds for post purchase renovations. The purchaser/borrower only has to qualify for one loan which will cover both the purchase prices plus renovations. This is not only simpler than obtaining two separate loans but also eliminates the chance a purchaser/borrower will have difficulty securing a long-term mortgage once the renovation is complete.




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