203k Home Improvement Loans Part 2 of 2
FHA 203k Full and Streamline Loan Explanation. Great loan for the wrong house in the right neighborhood!
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Some time before, I really needed to buy a car for my organization but I didn’t have enough cash and could not buy anything. Thank goodness my brother adviced to take the home loans at trustworthy bank. So, I acted that and was satisfied with my credit loan.
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Calling all wholesalers!! We are looking for a wholesale lender that is licensed in Louisiana that we can do the FHA 203K with. So far NONE seem to exist. Please contact me at cmsi@cox-internet.com
Thanks.
At Cendera we have offered our branches both 203K streamline and full 203K loans for some time. We underwrite and fund these in-house. I agree, it is a great program. As a Loan Officer, you need to market for these and educate your Realtor network on how to write the contracts. Good stuff!!
Prospect Mortgage, Inc. does 203k loans and we fund them ourselves, EASY payouts! Email me with questions – can work with all states. Good Luck!!!Cassandra.bajak@prospectmtg.com. This is GREAT product for 2011!!!
We are a mortgage lender that has been doing these loans for years and we do the Full and Streamline 203k in house. We also manage our own appraisals and have great 203k Consultants available. We have the ability to close well within 30 days and often find ourselves picking up the slack of transactions that have fallen apart due to necessary repairs after the process has been started.
We’re licensed in Massachusetts, New Hampshire, Maine, Rhode Island, Connecticut and Florida. I’m happy to help if you’re unable to and I know the program inside and out. It’s unquestionably a great program if you have the operations staff to support you and we do!
P.J.
781-742-6500 x124
Videos don’t play or take foreverrrrrrr to load…
This new web site SUCKS as bad as MHA.
first it is in Flash. Bogs down, stops, starts, stops. A lot like the run a round with BOA and WF.
Second, 70% of the mobile market can not play it.
I want my old web site back! How do I get it?
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We’ve created a visual of HUD’s Roster Map. Check it out! http://www.my203k.info/maps
Great promo for a much needed loan program. This loan program will revitalize our nation’s aging housing stock and create sustainable homeownership.
Thousands of entry level buyers get slammed with repair costs within 24 months of purchasing an older home. This puts a huge strain on their finances and their marriage.
There is a live 3 Hr. Seminar next Thursday March 10th in Costa Mesa, CA at the Hilton Hotel called “Sell More Homes with Renovation Loans”. It is being hosted by REOMAC, the oldest REO Asset Management non-profit trade organization focused on training Asset Managers and REO Brokers.
There is a networking dinner following the training. Come and get an insiders view of what is going on in the REO world.
Register at http://www.REOMAC.com look under calendar of events or go to: http://www.reomac.com/pdf/2011/DinnerMeetingFlyer-March-10-2011.pdf
Great promo! Pete
Hey guys, love the videos! New platform works great! I miss the polls. Frank, I’m curious, what is the red band on your wrist?
Pingback: 203k Home Improvement Loans Part 2 of 2 | thebracybeat
Welcome to Seattle… I ordered the rain just for you…can I also get you a coffee later… Starbucks of course !
Awesome video today. Trying to do as you say and post this on my blog. I may be doing something wrong but your embed link doesn’t work. And btw, the contact me button doesn’t either. Can you help me out with the embed feature so I can show everyone how cool you guys are?
For those who will do 203k loans one angle to promote would be the attractiveness of working with an originator or lender who can do both the 203k and 203b.
the appraiser does the appraisal with the improvements all ready accounted for by the bid from the contractor. He goes back out and does the 442 when completed. Have not done a 203K in a long time, but I have done over 10 203K streamlines within the last three years.
203k for the past 2 1/2 years have been my bread and butter, especially in the state of Florida., First tiime homebuyers appreciate the advise, and no honey do list after they move in, yes a little more work, but once you get organized, just like any other loan set up, it is good to go. you get the big items fixed, buyers dont have to get extra fiancing for appliance and have other debt.
DPA and NSP are also in Orange county FL , very appreciatative of this program, because the new borrower does not have issues or new fix ups to worry about….
Home Savings of America will do both streamline and full 203k loans in CA. Email me at micahmartin@myhsoa.com for more info.
I LOVE these loans! There is a huge opportunity for those that see the value in these. Educating your Realtors is the first step. When they understand them, they will sell them FOR YOU! No more reluctance for them to sell those ‘fixers’, because there are no lender required repairs that are needed prior to closing. All the work is done after!
Please, Again, WHO is picking the Before and After Appraiser on the 203k Deals?? Please anyone?
Same process for appraisals, AMC, and only 1 appraisal is done on a purchase. The appraisal is usually done (at least with my company) as ‘as completed’ value, as is value isn’t even documented. Only the ‘as is’ value is needed on a REFI.
Earlier in this thread an appraiser mentioned he was doing both the Before Appraisal and the After Appraisal in a 203k Construction/Improvement Loan? Does the AMC pick the same appraiser for both, or maybe the appraiser just got lucky? It would make sense for the same appraiser to both the before and after..
On a refi that might be the case. We are only required to do 1 appraisal on purchases, ‘as completed’ value only…
I’m a LO in Colo. I tried doing a 203k last summer. This was alot of extra work mostly because of the way you had to get references from the contractor. The references had to be supplied in there own handwritting and explained in detail as what the contractor did and price then signed by them. Talk about hassling references who had no involvement in 203k tranaction or loan. I worked on this for 2 and half mts. and then they did a desk review on property and determined previous owner did not pull permits on enclosed porch and deck and the deal was dead. Time and money wasted and the irate borrowers. Bad!
Steve, FHA does not require references from the contractors for the 203k loan. This must be a lender overlay & if so then time to find a new lender for these.
Why will they NOT do log homes? There are tons of trophy homes in Western Montana that are log structure and we have no problem with comps. Why wont they do custom log homes?
Thanks
Glenda
Great vidio and great description of the loan and the process…..your next one needs to be on the Conventional Renovation Loan offered by Freddie and Fannie….another great program and can do some things the 203(k) does not offer!!!
Love the fact you guys put this info out. The Realtors put the poo poo on this loan because they don’t understand it. One big problem on the streamline is that everyone is trying to cram a $50k job into a $35k loan, and than they go over budget and the loan ends up having to be flipped into a full 203k…..that is if the lender offers both the streamline and the full 203k. To avoid issues, I would recommend having a 203k Consultant even on the Streamline. It irons out a lot of wrinkles and can ensure a smoother ride. If structured right, and with the right team, these loans aren’t that difficult and Realtors need to be more receptive to these deals instead of just waiting for that cash deal, which will be a low baller and wreck the neighborhood values.
203k loan
Yes, fear of the unknown causes resistance to this program.
Teaming with a contractor that has an on-staff HUD/FHA 203(k) Consultant and continuous training according to the HUD/FHA Handbook and Mortgagee Letters is valuable and beneficial to close 203(k) quickly and smoothly, saving Lenders and Realtors time and effort.
Introducing Hybrid Homes, a new FHA 203(k) focused division of NorthWoods Home Ready Services! Hybrid Homes is a full service General Contractor specializing in the renovation of REO, Short Sale & Distressed Properties for Home Buyers by performing lender required rehab and facilitating home purchase transactions utilizing FHA 203(k) and various types of Renovation Financing.
Our HUD/FHA 203(k) Consultant trained Renovation Specialists identify financing property condition requirements and repair costs up front in accordance with HVCC/HUD/FHA guidelines prior to Appraisal.
Lender required repairs, Pest work, Energy Efficiency Improvements & Wish List Upgrades can all be financed within a single loan with a low down payment. Home Buyers Choose It Their Way & Personalize Their Home with the Hybrid Homes Product Guide & Selection Center.
Strict appraisal guidelines add renovation costs to purchase price to achieve the higher “After Improved Value”, often creating instant equity.
After loan closing, our crews perform the rehab quickly and deliver the newly renovated house ready for move-in with 100% complete customer satisfaction at the walk through with our 1-4-10 year warranty, then the bank disburses payment.
Our Hybrid Homes Dream Team concept of working together with Lenders and Realtors benefits Home Buyers to successfully take advantage of FHA 203(k) Renovation Financing. As a lender validated 203(k) certified rehab contractor we have used our expertise by putting the pieces together with our proven system to complete over 40 FHA 203(k) financed renovations, even prior to our official launch!
Call us today (916) 575-8900 or visit http://www.hybridhomes.biz after March 9, 2011.
I don’t 203k loans, but I believe for any LO to make money they have to charge the borrower origination & discount fees….they can’t get paid by the bank. Why would a buyer do a 203K loan and pay way more in CC’s when they could purchase a home that requires no repairs and not pay any origination fee and require much less funds to close?
Who’s doing 203K loans on $100K homes?
Two weeks ago, I closed a full 203k on a refinance on a 83K existing value home with an after improved value of 125K. Adding a main level full bath/laundry, complete gut of the kitchen, adding central heat/air and few other small projects. M&T Bank did this loan with smooth sailing and just an $8 flood cert.
Didn’t you say the limit on a streamline was $35k? How then can you do $50k worth of improvement?
The Streamline has a $35k limit, there is no limit on the full 203k other than price+repairs+ contingency reserve 110% max after repair value. Some lenders may have other overlays or limits…… working on one right now with over $100k in repairs on a 1909 house!
@Matt Thomson… the $35,000 is a streamline 203k. The other they speak of is a full 203k. The funds are only limited by the county loan limit. Hope that helps!
It was Brians comment about getting all this work done for $50,000 in their example. Does the streamline still have the 10% contingency ? paying it down against principle will of course not lower the payment… BUT you can forget to add those $3500 in appliances and as appose to paying it down just ADD them on on the back side, works for the full doc 203K as well.
Where’s the link to the Denver roundup?
Hi I am an AE with Sun West Mortgage and we offer 203K Standard and Streamlines. My two biggest suggestion to make this go smoother is to ask for at least a 60 day escrow if they are not wilingl to give you that take a 45 day escrow. This will help keep the people involved in the transaction breathing down your back. My other suggestion is if you are doing them for the 1st time you might want to consider to pay the little extra and get a consultant. On Streamlines they are not needed and you will be fine if your improvements are basic and you are only having to deal with a few contractor. But when you have mulitple contractor involved this is where the consultant will come in handy and help you gather the paperwork needed from the contractors and the bids. We offer free 203K web classes and have three coming up this month.
Hi I’m an investor in Florida and would like to know when your next class is.
Great information. It would be great to have a list of wholesaler that will do these loans. I’m a Mortgage Broker in Montana also licensed in Washington (the State). Jeff@reliancelendignw.com, if your an AE.
The wholesale channels are limited but maybe this 203k directory, blog and resources might be useful.
I just wanted to add to the previous comments about your new video presentation. On Monday of this week, I subscribed to the new platform. On Tuesday, I received 2 e-mails with the link to watch your video. Upon clicking on the link in the e-mail for the new platform, it went no where and never loaded no matter how many times I tried. I then watched the your video from the old subscription. On Wednesday, I received only 1 e-mail and it was from the old subscription. Today, the same, so I would like to suggest that there might be some challenges with your planned change over. Please check them out before you pull the plug, thinking all is well. Good luck!
Bob
I am having the same problems with your new page! Please help…
The new page video delivery is lagging when played. This never happened with the old.
I did a 203K thru Wells Fargo supposedly the ‘experts’ and it was a disaster. Since I wasn’t familiar with them I couldn’t tell who was the real pain in the ass thruout the whole transaction. I do think they are viable for certain deals.
Hi Lyn,
Can you tell me what happened? Please advise.
Sincerely,
Steve
Why use one of the big 4 for any of your loans? Try M&T Bank. Their 203k expert, Doug Woodley, is a true expert (even helps you through the LOS software glitches and helps correct your GFE/IFW/1003/MaxMtgWS). I love both Doug and their draw administrators. They have a great process! Poo-poo on Wells Fargo and BofA.
Does anyone know a wholesale lender in California that does 203K Home Improvement Mortgages?
1st Preference Mortgage is a 203k lender who does California. Give me a call so we can talk
Who gets to pick the Appraiser for the before and after appraisal? The AMC?
There is only one appraisal done — the original appraisal with “subject to” value. Original appraiser on a streamline does a final inspection. Consultant does inspections on a full K. AMC chooses the appraiser, yet there should not be many on the list for 203ks as so many appraisers don’t know how to do these. (They’re easy reports, yet most AMCs scare the appraisers into thinking there’s something extra special needed.) Only caveat to a refinance deal is that the appraiser has to give an as-is value (purchases assume the sales price is a reasonable as-is value).
I have done many 203K appraisals and almost never had a problem appraising the house for usually the acquisition cost plus the amount of the improvements and usually more. This was well before the sub-prime meltdown. You have to do the deal right and shop for a good house you can work with. That should be way easy in todays enviroment in most parts of the country, IF you have a competent appraiser (Bif IF in some cases). The deals that might not appraise are homes that don’t really need a lot of work and are sort of being remodeled rather than rehabbed. Buyers need to find a house that needs rehab and estimate their rehab costs as adding at least $2 in value for every dollar spent. Again, this should be easy in todays enviroment in many locations. One caveat: the appraisal may not work in areas where foreclosures still dominate the market. It should work where the market is starting to or has turned to the good. 2nd caveat: You got to use good numbers and have local market knowledge.
Guys…love your videos and information! And the 203k topic couldn’t be more timely!!! Unfortunately, I stopped watching the video after about 1 minute because of all of the annoying \stops and starts\ that occur in your videos since you switched to the new player. Please get your tech people to fix this. Please???
The appraisal is the kicker and the comps – you never want to have the most expensive home in a traditional neighborhood – if all the homes in the area appraise at $125,000 – there is no amount of work that will get you $200,000, $150,000 maybe – but if your looking around and seeing a dozen Forclosure signs – you had better be planning to spend a long time in that place, chances are an appraisal will be the biggest challange to seeing added value to foster the 203K, on the other hand if you can pick up one of the cheapest places in the area … with a 203 K you might be able to make some gain or raise the standard
Great jobs guys on explaining 203K loans but one flaw in your video. You gave an example of a Streamline 203K loan with $50,000 in home improvements when you said the program only allows a maximum of $35,000???? That’s confusing!!
the streamline 203k only goes up to 35k, but a full 203k is only limited by the county FHA maximum loan amounts.
Don, thanks for the invite!
I am looking to do more 203k loans. I have a lender that will do the streamline but does anyone know of a wholesale lender that will do a full 203k loan in Oklahoma? Also where can I go to get more training materials on the 203k loan. Thanks
Wells Fargo does them nation wide…..go to http://www.Loans4Rehabs.com….
The Streamline also requires a 1.5% Supplemental origination fee, or $350…come on, KNOW YOUR GUIDELINES!
I’m a seasoned account executive working for a direct wholesale lender and we’ve been succesfully closing 203k streamlines in less than 30days for over 5 years now. Call me to anytime with either your questions and/or concerns (832) 298-2797. TBWS are geniuses in pushing this product…Thanks guys!!!
Roi knows what he is talking about!
Introducing Hybrid Homes, a new FHA 203(k) focused division of NorthWoods Home Ready Services! Hybrid Homes is a full service General Contractor specializing in the renovation of REO, Short Sale & Distressed Properties for Home Buyers by performing lender required rehab and facilitating home purchase transactions utilizing FHA 203(k) and various types of Renovation Financing.
Our HUD/FHA 203(k) Consultant trained Renovation Specialists identify financing property condition requirements and repair costs up front in accordance with HVCC/HUD/FHA guidelines prior to Appraisal.
Lender required repairs, Pest work, Energy Efficiency Improvements & Wish List Upgrades can all be financed within a single loan with a low down payment. Home Buyers Choose It Their Way & Personalize Their Home with the Hybrid Homes Product Guide & Selection Center.
Strict appraisal guidelines add renovation costs to purchase price to achieve the higher “After Improved Value”, often creating instant equity.
After loan closing, our crews perform the rehab quickly and deliver the newly renovated house ready for move-in with 100% complete customer satisfaction at the walk through with our 1-4-10 year warranty, then the bank disburses payment.
Our Hybrid Homes Dream Team concept of working together with Lenders and Realtors benefits Home Buyers to successfully take advantage of FHA 203(k) Renovation Financing. As a lender validated 203(k) certified rehab contractor we have used our expertise by putting the pieces together with our proven system to complete over 40 FHA 203(k) financed renovations, even prior to our official launch!
Call us today (916) 575-8900 or visit http://www.hybridhomes.biz after March 9, 2011.
Do these 203K’s work for FHA Refi’s?
Hi,
I love your program, but am clueless how I’ll continue to watch it since you’ve posted your new subscription instructions. Where do I go to sign-in and subscribe? I failed to find a link anywhere.
Thanks,
i don’t even see the blue box…i’ve sent y’all 3 messages so far and haven’t rec’d a response as to how to “re-sign up”. did i do something to upset you guys? miss the TBWS daily!!
On Feb. 26, I tried to re-subcribe. I went to the right hand blue box, and sent the e-mail subscription to the new The TBW Daily Show. The only thing is, is that the ( following link to activate it was not high-lited. And, I could not activate it. It would not allow me to copy and paste either. It said that the message was sent by feedburner???? Please, l really would like to receive this show, could you please re-send the activation of the Email Subcription , with the LINK IN HIGH-LITE so I may activate my subcription. I thank-you in advance.
How can thinsg be all good now when we just heard that the housing market values are going to continue to decline for the next five or more and there will be no sings of recovery until the unemployment rate is at 5% plus afterwards homes are only going to rise ~2% a years which means those who are upside down by any $$ amount will never see the price they paid for the house in the next 25-30 years. Why should anyone who is upside down stay put and pay off a home they owe $250K on that’s only valued today at $175K today knowing in five years it may be worth $100K or less.
All of my current mortgage contacts have stopped doing 203Ks of any sort….Who in TX is qualified and doing these well? I often have clients that would benefit from this program, but don’t have any confidence any lenders are completing these or doing them at all…Advice? thanks!
Give me a call. I can help find someone for you.
I’m an AE with a direct wholesale lender and I’m located here in Texas. Call me (832) 298-2797.
Lisa, I can help you in Texas for the streamline version only, I am a retail lender. I am in Dallas but can help you anywhere in Texas. I am assuming that you are a Realtor and are looking for help with your buyers.
How do you unsubscribe from the old emails once you successfully subscribe to the new one? I didn’t see an unsubscribe link on today’s email.
If I use the embed codes to send the video to someone, do they also get the Comments listed below ? I don’t think that I would want that to happen, since many of the posts are not very professional, and could further pollute the view of people in our businesses…
…if only the video itself goes, that would be fine !
How can I send this video to some buyers that want to understand how the 203k work. Is there a link I can copy and paste and add to a email?
give me a call. I have a 203k book I and send you that covers everything in the video and more.
Hi Don. Can I get your 203K info as well?
Thanks,
Rick
I would appreciate seeing you 203k material. Thank you! John Burke
Don – I would appreciate the information on 203k loans also. My ph # is 831-229-5044. Thank you so much.
Andrew
@5pence sorry I am pretty you have been reading too many Tom Crieghton novels.Give me a break did you read what you wrote? By the way Mr know it all it is spelled too not to . But you are right about one thing I was wrong values will not drop by 10 to 20 % more like 23 % overall , great time to be a renter ! Now get your resume out there , make your partner happy , start to earn and save money at your new job and happy life and then buy the american dream at the right price it should be 23 % less then today ! Thanks
PS be careful that banker might be looking in your window or bugging your home ! lol
doitright and 5pence: at the end of the day, a property is really worth what one is willing to pay for it to live in. Even for those underwater, if it is their home and the surrounding market at any given time rises or falls around them, they should still keep their feet on the ground and pay for their “home.” I say that within reason. Obviously if we’re off 25%, we should look at firmly approaching the bank to request a note reduction. Beats the hell out of a short sale (for profit for the bank) or a foreclosure. I think before this is over, its gonna come down to the homeowner’s internal value for their home. Values were hurt the most by speculation and flips driving false ceilings. Homeowners need to figure out their inherent value for their home. The market isn’t necessarily the best indicator now is it? We’ve seen the extremes over the past few years. It comes back to affordability. And what my “home” is worth to “me.” 5pense, you know how I feel about the banks and even moreso the Fed. Look at my blog. I rip them constantly. We need a new, firm foundation to grow this industry back to at least stabilization. And that won’t happen with rates flying around and values being controlled by anyone other then the homeowner. Don’t react, just think about it. What the property is worth is what the “homeowner” is willing to pay. Get the government control out and let the free market be free. And doitright, it’s “hoping” not “hopeing,” since you resorted to spell checking Mr. Pence.
and he called himself pretty too – I had to back off after that.
Doitright likes to push doitwrong.
Banks control the bottom line in what a home is worth now since they have an oligopoly on values. It’s come down again to rewarding the rich investors/bankster crony’s and that’s who’s going to be buying all these foreclosed homes at prices the banks will dictate. The free market no longer exists in mortgage market valuations.
Like everything else that the TBTF’s can control due to their size and wealth and leverage, they can manipulate any market to where-ever they want. Without manipulation the banks could not have gotten as big and gross as they are. Without manipulations they are just bankers. Proprietary trading may be “Fraud” but we’ll never know as calling it that means no one can see what they’re doing – hence no free market.
Besides, doitright, do you really want the banks making profits on originating crappy loans, selling them and getting paid in full for the mortgages and then making more profits from bailouts and servicing AND then get to double down on their profits by foreclosing on homes THEY DON’T OWN?
Of course not. No sensible person would. Crime should not pay – isn’t that the American way?
doitright: You don’t know if homes are 10-20% over valued right now. Since the banks control the pricing due to their use of BPO’s and CMA’s for marketing, there is no telling how low the banks want prices to go. But, I got a good hint this morning. Banks are representing that prices are getting so low that guess what – their toxic assets aren’t as toxic anymore. They’ve been lowering prices and diluting the dollar for that beneficial affect. They’ll take it as low as they need to go to unload 26 million foreclosures as fast as possible. Within 1 mile of me REO’s and short sales comprise less than 5% of the market. Within 2 miles they comprise 30% of the market. They are purposely lowering values. And again with the not to bright comment that we need to get the foreclosures over and done with. Banks have clouded all title across the US by not keeping the note and the assigment together. If you don’t know who owns your home you can’t legally sell it. You need clear title and the banks made sure there are none. Destroying notes? No, we don’t need to get these foreclosures over with, we need to get the banks corruption and fraud over with and see some CEO’s in jail so we can go back to working in a free market.
I’ve found that spending money to make improvements doesn’t do much to budge the appraised value. I have a home that appraised around $50,000 (bought it for $80,000). I put $80,000 into it, new windows, new kitchen, new flooring, new bathroom, new expanded deck, new parking structure, new roof, added a fireplace. It appraised at $69,000 when I was done. So $80,000 invested in improvements only increased it’s value by $19,000.
Matt, this is why you get the right kind of appraisal. We are experts in residential construction and improvement loans. The 4 biggies in loans DTI / Apraisal / Cash is king / Credit scores. Realtors, call us we can partner … our contacts your contacts … closed transactions. BrianCrumby@megamortgageoftexas.com
FYI, some lenders include the 10% reserve in the $35K max. repair cost on a streamline so that puts you at a max. closer to $32K. That’s definitely something to check into before you dive into a 203K with a new lender.
I am a 203K specialist with BofA. I am in FL and can do GA, MS, AL and FL for this FHA jurisdiction. Doing streamline and full. Product is an awesome solution for the distressed property or one where borrower wants some renovations or updating. Also, can do this on a refinance. Go Frank and Brian!
I think what the world needs is 203K litterally 203,000 real buyers!What a crap industry to be in all the new rules and guidlines such a pain in the Axx! To think all you loan officers out there put your incomes on the line every time you count on a Realtor for our leads, or hopeing some fool will buy in this deflationary housing market . Every industry is doing better except housing , why is that ? Houses are still 10 to 20 % over priced, lets get the forclosures over and done and have vlaues bottom out . As far as builders , get off the map and stop buying land that sits ugly and half developed that also hurts values . Well time to go play some golf April 1 is near!
Great info on the 203(k)…thanks for getting the word out..
I am a 203(k) Consultant here in Denver and am on the FHA list of consultants…these are great loans and getting very popular here..
Rob,
Was the rowhome an REO?
Rob Gorman
Frank and Brian,
You guys are definitely good salesman and the 2 parter on 203K’s is a great piece for the real estate market right now. You may want to have someone check your math before you post videos with guidelines. The streamline example you give has work totaling about $49,000, but, the program limit (which you mentioned earlier) is only $35,000.
Ciao,
Rob
Good stuff. We have been doing a “boat load” of the 203K loans in the past 24 months. We focus on Washington DC and they are sweet loans for row homes. Recent loan was for the following…..
$300K purchase price
$200K renovations
$700K final VALUE!!
These can work amazing!
Great show Guys! I’ve been pushing this program since the early 90′s to the Real Estate Community in Sout Jersey. Hit the mark on the parameters and benefits; a superb program for the 20′s somethings. Buy low, customizes the home, low downpayment (acceptable gift money), mortgage payment less than rent!! Thank you, thank you, thank you!
Ryan,
I know Freedom Mortgage does 203K loans. Anyone else have any other lenders?
Ryan, You’d better check on Freedom. I called them a couple of months ago and was told that they had stopped doing 203Ks, but hoped to re-start after the first of the year. They were the only wholesale lender that I knew of that was doing majors in my area. Finding a lender on 203K is tough, especially on 203K major. I work for a retail lender that does streamlines in-house, but only on purchase deals and not refis. Another lender that I have spoken to that does streamlines is Plaza Mortgage out of Dallas. If anytone else knows of a wholesale lender doing majors please share with the rest of us.
Freedom Mortgage is offering FHA 203k loans in our Wholesale channel. These loans also may be used along with the $100.00-down and the Good Neighbor Next Door programs for qualified HUD REO properties. For more information, please feel free to contact me at rob.anrud@freedommortgage.com or at 503-756-8176. We are licensed in 50 states. Thanks! –Rob Anrud
Nice work spreading the good news on the 203k renovation loans. I wonder how the investor push from HUD will affect the foreclosure market?
The cool thing, too is how real estate professionals can sell it as The But Loan (it can take care of anything after the “I like this house BUT…”) Plus, I love how the 203k can also be used to create instant equity on homes to make upgrades and improvements. Pretty cool stuff.
Guys,
Love the show…big fan. Two questions? Any recommendation on Wholesalers who are good to work with for 203k loans. Also, what was the result of HUD’s review and stand on big builders handcuffing clients to use their ancillary (mortgage / title) by not offering them the same deal on the home if they do not use their services. In my opinion this has always been a violation of RESPA but HUD has never viewed it this way.
Much Appriciated.
1st Preference Mortgage is a 203k wholesale specialist. It is all that we wholesale and we’ve been doing them for over 20 years.
And your contact information is?
I’ve been doing Ks in Connecticut for years. They are my niche and bring me a lot of business. Once you know how to do them, they are not hard nor time consuming. Problems only arise when you’re dealing with an LO or Lender who is not familiar with the program, the paperwork and the process. tterzakis@familychoicemortgage.com
Hey guys, one error on your video. The streamline 203k pays out half up-front and half at completion.