FHA Limited 203(k) Rehab Loan

FHA's Limited 203(k) program permits homebuyers and homeowners to finance up to $35,000 into their mortgage to repair, improve, or upgrade their home. Homebuyers and homeowners can quickly and easily tap into cash to pay for property repairs or improvements, such as those identified by a home inspector or an FHA appraiser. Homeowners can make property repairs, improvements, or prepare their home for sale. Homebuyers can make their new home move-in ready by remodeling the kitchen, painting the interior or purchasing new carpet. This includes manufactured homes.

FHA 203(k) Purchase & Rehab Loan 
FHA 203(k) program is FHA's primary program for the purchase & rehabilitation of single family and manufactured homes in one loan. It is an important tool for community revitalization, as well as to expand homeownership opportunities. This includes manufactured homes. 

HomeStyles Purchase & Renovation Loan

This is a conventional purchase and renovation loan program just like the FHA 203k program. The down payment requirements are slightly higher at 5%, but do include second homes (10%) and investment properties (15%). As with all conventional loans, the mortgage insurance premium drops once the home reaches 80% Loan to Value. No manufactured homes allowed.

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