Understanding the 203K Renovation Process
A 203K loan lets you finance the purchase of a home and the renovation in one mortgage.
Most contractors avoid 203Ks — we specialize in Standard 203K projects that require permits, structural work, and full‑scale renovation.
Standard vs. Limited 203K — What’s the Difference?
There are two types of 203K renovation loans.
We only take Standard 203K projects, but here’s a simple breakdown so you know which one applies to your renovation.
Limited 203K (Up to $35,000)
We do not take Limited 203K projects
What It’s Good For:
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Flooring
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Paint
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Kitchen updates
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Bathroom updates
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Appliances
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Minor repairs
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Cosmetic improvements
Not Allowed:
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Structural changes
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Additions
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Moving walls
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Major electrical, plumbing, HVAC
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Foundation work
Standard 203K
This is the type of 203K project we specialize in.
Ideal For:
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Structural repairs
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Additions
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Full gut renovations
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Fire damage rebuilds
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Major electrical, plumbing, HVAC
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Foundation work
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Layout changes
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Large‑scale renovations
Requirements:
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HUD Consultant Work Write‑Up
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Architectural plans (if structural)
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Permit‑required scope of work
How We Support Your 203K Renovation
We manage the construction side of your 203K project and work directly with:
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Your lender
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Your HUD consultant
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Your appraiser
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Your inspector
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County permitting
Our focus is on permit‑driven, code‑compliant, high‑quality construction — not cosmetic updates.
What We Need Before We Can Provide Pricing
To give an accurate estimate that aligns with lender requirements, we require:
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HUD Consultant Work Write‑Up
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Architectural plans (if structural)
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Site plan (if required by county)
This ensures your estimate matches what the bank will approve.
Why Homeowners Choose Us for Standard 203K Renovations
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Licensed Georgia Residential/General Contractor
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Experience with Standard 203K projects
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Familiar with HUD + lender requirements
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Permit‑driven, structural‑capable builder
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Clear communication and professional process
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We do not take small handyman‑level 203K jobs
