Looking for 203k loan lenders can be difficult because not every FHA lender offers these loans. You could spend days just finding a lender.
Until now. We painstakingly put together a list of 203k lenders in every state. Each lender should be able to lend statewide, but we also noted their branch office location in case you want to find a 203k lender near you.
Keep in mind that some lenders are better than others when it comes to 203k. And, some only offer the Limited 203k loan, not the Full version. Even when you find a lender on this list, interview them to make sure they are a good fit for your project. Without further ado, here’s the list.
Get help connecting with a 203k lender.
The following lenders are not sponsors and the below are not affiliate links. They are solely to help you find a 203k lender. Lenders change offerings constantly. Check with the lender that they still offer 203k before applying.
Related: List of 203k Consultants in Every State
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- DC
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
- How to interview 203k loan lenders
- Start your 203k journey
Alabama
Caliber Home Loans – Montgomery
CIS Financial – Hamilton
Embrace Home Loans – Mobile
Homebridge Financial Services – Hoover
Hometown Lenders – Huntsville
Alaska
Guaranteed Rate – Anchorage
Prime Lending – Anchorage
Arizona
Cardinal Financial – Chandler, Scottsdale
Fairway Independent – Glendale, Phoenix, Mesa
Guild Mortgage Company – Chandler
Loan Depot – Scottsdale
Arkansas
Gateway First – Fort Smith, Little Rock
Primary Residential – Little Rock
California
Academy Mortgage Corporation – Oakdale
American Financial Network – Brea
American Pacific Mortgage – Roseville
Caliber Home Loans – Santa Ana, Manhattan Beach
Cardinal Financial – Folsom
Mason Mcduffie Mortgage – San Ramon
Movement Mortgage – Pasadena
New American Funding – Petaluma
Platinum Home Mortgage – Rancho Cucamonga, San Pablo
Watermark Capital – Irvine
Can’t find a lender? Get help here.
Colorado
Cherry Creek Mortgage – Greenwood Village
CrossCountry – Denver
Fairway Independent – Denver, Aurora
Loan Depot – Pueblo
New American Funding – Greenwood Village
Primary Residential – Englewood
Connecticut
American Neighborhood Mortgage – Vernon
CrossCountry – Fairfield
Embrace Home Loans – Southington
Envoy Mortgage – Manchester, Fairfield
Fairway Independent – Danielson, Hartford, Shelton
First World Mortgage – Hartford
DC
Everett Financial/Supreme Lending – DC
Delaware
Equity Prime Mortgage – Milford
Evolve Bank & Trust – Rehoboth Beach
Meridian Bank – Wilmington
Primary Residential – Newark
Florida
Academy Mortgage Corporation – Leesburg
American Financial Network – Gainesville, Boca Raton
CMG Mortgage – Jacksonville, North Fort Myers
Columbus Capital Lending – Miami
Embrace Home Loans – Maitland
Fairway Independent – Wilton Manors, Key Largo, Winter Haven
Guaranteed Rate – Tampa, Coral Springs
Homebridge Financial Services – Miami, Bradenton, Jacksonville
Loan Depot – Maitland, Jacksonville, Fort Myers, Tallahassee, Boca Raton, Fernandina Beach, Clearwater
Movement Mortgage – Tampa, Orlando,
Primary Residential – Pensacola
SWBC Mortgage – Palm Beach Gardens
Waterstone Mortgage – Fort Myers
Georgia
American Financial Network INC – Athens
Ameris Bank – Moultrie, Marietta, Stockbridge
Banksouth Mortgage Company – Atlanta
Cardinal Financial Company, – Atlanta
Certainty Home Loans, LLC – Lawrenceville
Envoy Mortgage LTD – Columbus
Equity Prime Mortgage LLC – Atlanta
Everett Financial INC – Alpharetta
Fairway Independent Mortgage Corporation – Rosewell, Atlanta
Guaranteed Rate Inc – Atlanta
HomeBridge Financial Services Inc – Lawrenceville, Peachtree City
Homestar Financial Corporation – Hiram
Loan Depot – Savannah, Atlanta
Movement Mortgage LLC – Cumming, Atlanta
Nations Lending Corp – Conyers
New American Funding, LLC – Atlanta
Primelending A PlainsCapital Company – Marietta
SecurityNational Mortgage Company – Atlanta
SWBC Mortgage Corp – Cartersville
US Mortgage Corporation – Kennesaw
Related:
- FHA 203b vs 203k
- FHA 203k Loan To Renovate A Multifamily Property
- Convert a Single-Family to Multifamily Using 203k
Hawaii
HomeStreet Bank – Honolulu
Idaho
Academy Mortgage Corporation – Nampa
Fairway Independent Mortgage Corporation – Mccall
Guaranteed Rate Inc – Meridian
Loan Depot – Boise
Mann Mortgage LLC – Idaho Falls
Illinois
Allied First Bank,SB – Oswego
American Fidelity Mtg Services Inc – Wheaton
American Financial Network Inc – Homerglann
Barrington Bank And Trust Co Na – Rosemont
Caliber home Loan Inc – Sandwich, Downers Grove, Naperville, Berwyn, Chicago
Cardinal Financial Company, – Palatine
Crosscountry Mortgage,LIc – Chicago, Parkridge
Diamond Residential Mortgage Corporation – Lake Forest
Draper And Kramer Mortgage – Downers Grove
Fairway Independent Mortgage Corporation – Chicago, Elgin, Skokie, Oak Brook, Naperville, Palos Heights, Lake in the Hills
Get help finding your Illinois 203k lender.
First Centennial Mortgage – Aurora
Guaranteed Rate Affinity,LIc – Chicago
Guaranteed Rate Inc – Chicago, Flossmoor, Oak Brook, Plainfield, Downers Grove
Guild Mortgage Company – Woodridge
Homebridge Financial Services Inc – Downers Grove
Leader One Financial Corporation – Westchester
Indiana
Caliber Home loans Inc – Lafayette, Fishers
Cardinal Financial Company, – Goshen
Eustis Mortgage Corporation – Indianapolis
Fairway Independent Mortgage Corporation – Nashville, Evansville, Anderson, Indianapolis
Highlands Residential Mortgage Ltd – Indianapolis
Loandepot.com – Carmel
Primelending a plains capital company – Indianapolis
Ruoff Mortgage company Inc – Fort Wayne
Southwest Funding LP – Indianapolis
Iowa
American Pacific Mortgage – Ames
Kansas
Fairway Independent Mortgage Corporation – Leawood
Gateway First Bank – Wichita
Open Mortgage LLC – Hutchinson, Wichita
Primary Residential Mortgage Inc – Hutchinson, Newton
Kentucky
American Neighborhood mtg Acceptance Co – Louisville
Loandepot.com – Paducah, Richmond
Movement Mortgage – Louisville, Lexington
Stockton Mortgage Corp – Louisville, Bowling green
Louisiana
America’s Mortgage Resource Inc – Metairie
Assurance Financial Group llc – Baton Rouge, Houma
Cardinal Financial Company, – New Orleans, Metairie
CMG Mortgage Inc – Stonewall
Eustis Mortgage Corporation – Metairie, Slidell, New Orleans, Baton Rouge
Fairway Independent Mortgage Corporation – Bossier City
Interlinc Mortgage Services LLC – New Orleans
Loandepot.com – Lake Charles, Convington, Metairie
Mortgage Solutions of Colorado LLC – Terrytown
Movement Mortgage LLC – Baton Rouge, Mandeville, Denham Springs, Metairie
Nations Lending Corp – Sulphur
Planet Home Lending LLC – Shreveport
Primelending a Plainscapital Company – Slidell, Metairie
Southwest Funding LP – Metairie
Summit Funding Inc – Covington
Maine
Caliber Home loans Inc – Portland
CMG Mortgage Inc – Hallowell, Alfred, Auburn
Crosscountry Mortgage,LLC – Portland
Embrace Home Loans Inc – Bangor
Guaranteed Rate Inc – South Portland
Guild Mortgage Company LLC – Auburn
Homebridge Financial Services Inc – Falmouth
Primary Residential Mortgage Inc – Bangor
Maryland
Academy Mortgage Corporation – St.Michaels
Ameris Bank – Eldersburg
Caliber Home Loans Inc – Pikesville, Annapolis, Greenbelt
Embrace Home Loans Inc – Columbia, Rockville
Fairway Independent Mortgage Corporation – Towson, Baltimore, Ellicott City, White Plains
First Home Mortgage Corp – Columbia, Bel Air, Baltimore, Crofton, Annapolis, Chevy Chase
First Preference Mtg Corp – Nottingham
George Mason Mortgage LLC – Frederick
Guaranteed Rate Affinity, LLC – Annapolis
Guaranteed Rate Inc – Baltimore
Homebridge Financial Services Inc – Baltimore, Annapolis
Homespire Mortgage Corporation – Rockville, Gaithersburg
Loandepot.com – Ocean City
M and T Bank – Baltimore, Linthicum
Meridian Bank – Columbia
Michigan Mutual Inc – Greenbelt
Movement Mortgage LLC – Towson
My Mortgage Inc – Crofton
NFM Inc – Linthicum
Primary Residential Mortgage Inc – Baltimore, Hagerstown, Belair, Nottingham, Towson
Prime Lending a Plainscapital Company – Greenbelt
Massachusetts
Get help finding your Maryland 203k lender.
Crosscountry Mortgage, LLC – Peabody
Embrace Home Loans INC – Plymouth
Emm Loans LLC – Webster
Envision Bank – Quincy
Envoy Mortgage Ltd – Worcester
Fairway Independent Mortgage Corporation – Auburn, Hyannis, Newburyport, South Boston, Foxboro
Guaranteed Rate Affinity, LLC – Boston
Guaranteed Rate Inc – Wellesley
Guild Mortgage Company – Worcester
Homebridge Financial Services Inc – Worcester, Dorchester, Braintree, Hanover
Homestead Funding Corp – North Chelmsford
Loandepot.Com – Plymouth, Norwood, Norwell
Mortgage Network Inc – Westfield, Burlington
Movement Mortgage LLC – Agawam, Swansea, Braintree, Worcester
New American Funding, LLC – Dedham
Primelending A Plainscapital Company – Methuen
Radius Financial Group Inc – Fall River, Auburn, West Springfield, Norwell
Ross Mortgage Company Inc – Westborough
Salem Five Mortgage Co LLC – Salem
Michigan
Caliber Home Loans Inc – Rochester, Shelby Township
Cardinal Financial Company, – Midland
Crosscountry Mortgage, LLC – Romeo
Fairway Independent Mortgage Corporation – Bay City
Flagstar Bank, N.A. – Grand Rapids, Troy, Lansing, Clarkston, Northville, Troy
Guaranteed Rate Inc – Saint Joseph
Guid Mortgage Company – Dewitt
Loandepot.Com – Southfield
Michigan Mutual Inc – Port Huron
Northpointe Bank – Grand Rapids,
Platinum Home Mortgage Corp – Sterling Heights
Primary Residential Mortgage Inc – South Haven
Ross Mortgage Corporation – Troy
Success Mortgage Partners Inc – Plymouth
Towne Mortgage Company – Troy
University Bank – Ann Arbor
Minnesota
Cardinal Financial Company, – Maple Grove
Guaranteed Rate Inc – Forest Lake
Land Home Financial Services, Inc. – Woodbury
Loandepot.Com – Eagan
New American Funding, LLC – Brooklyn Park
Mississippi
Caliber Home Loans Inc – Hattiesburg
Cmg Mortgage Inc – Biloxi
Cornerstone Capital Bank, SSB – Ridgeland
Fairway Independent Mortgage Corporation – Ridgeland
Missouri
Fairway Independent Mortgage Corporation – Kirkwood, Kansas City, Saint Louis
Flat Branch Mortgage Inc – Columbia
Gateway First Bank – Joplin
Gershman Investment Corp – Chesterfield
Guaranteed Rate Affinity, LLC – Cottleville
Guild Mortgage Company LLC – Festus
Homestar Financial Corporation – Hillsboro
Leader One Financial Corporation – Saint Louis, Kansas City
Loandepot.Com – Branson
New American Funding, LLC – Saint Louis
Primelending A Plainscapital Company – Kansas City, Creve Coeur
Sun West Mortgage Co Inc – Lees Summit
United Fidelity Funding Corp – Kansas City
Montana
Fairway Independent Mortgage Corporation – Great Falls
Guild Mortgage Company LLC – Havre
Nebraska
Castle & Cooke Mortgage LLC – Blair
Nevada
Guild Mortgage Company LLC – Reno
Loandepot.Com – Las Vegas
New Hampshire
CMG Mortgage Inc – Portsmouth, Keene, Nashua, Concord, Hooksett
Fairway Independent Mortgage Corporation – Windham, Tilton, Portsmouth
Guild Mortgage Company LLC – Bedford
Harborone Mortgage, LLC – Manchester
Mortgage Network Inc – Laconia
Movement Mortgage LLC – Nashua
Primelending A Plainscapital Company – Bedford
New Jersey
Absolute Home Mortgage Corporation – Fairfield
Acre Mortgage & Financial Inc – Marlton, Mount Laurel
Advisors Mortgage Group LLC – Point Pleasant, Ocean City, Linwood, Freehold, Toms River, Red Bank, Wall Township, Tinton Falls
Too many choices? Let us connect you with a reputable NJ 203k lender.
America’s Mortgage Lender, LLC – Whippany, Manalapan, Hackensack
American Neighborhood Mtg Acceptance Co – Sparta, Sewell, Lyndhurst, Fairfield, Keyport, Wall Township, Netcong, East Brunswick, Mount Laurel
American Pacific Mortgage – Northfield
Bond Street Mortgage LLC – Paramus
Caliber Home Loans Inc – Northfield, Edison, Florham Park, Marlton
Cardinal Financial Company, – Parsippany
Crosscountry Mortgage, LLC – Mullica Hill, Cranford
Emm Loans LLC – Cherry Hill
Envoy Mortgage Ltd – Voorhees
Equity Prime Mortgage LLC – Manahawkin
Evesham Mortgage LLC – Marlton
Fairway Independent Mortgage Corporation – Rockaway, West Long Branch
Family First Funding, LLC – Toms River
First Alliance Home Mortgage LLC – Cranford
First Second Mortgage Co Of Nj – Cresskill
Gateway First Bank – Clark, Sicklerville, Somerville, Hammonton, Vineland, Robbinsville, Marlton
Greenway Mortgage Funding Corp – Middletown
Guaranteed Rate Affinity, LLC – Mount Laurel
Guaranteed Rate Inc – Boonton, Paramus, Parsippany
Homebridge Financial Services Inc – Mount Laurel, Toms River, Iselin, Hackensack, Parsippany
Jersey Mortgage Company – Cranford, Parsippany
Lakeland Bank – Oak Ridge
Loandepot.Com – Hoboken, Shrewsbury, Paramus, Sea Girt, Princeton, Morristown
M And T Bank – Iselin
Mlb Residential Lending, LLC – Springfield, Piscataway
Mortgage Access Corp – Morris Plains
Mortgage Unlimited L.L.C – Garfield
Movement Mortgage LLC – Bridgewater
Nation One Mortgage Corporation – Marlton
Nations Lending Corp – Fair Lawn
Nationwide Mortgage Bankers, Inc. – Kearny, Lebanon, Union City
Nfm Inc – Swedesboro
Nj Lenders Corporation – Little Falls
Paramount Residential Mortgage Group Inc – Dunellen, Union, Woodbridge
Pinnacle Mortgage Inc – East Hanover
Primelending A Plainscapital Company – East Brunswick
Residential Home Mortgage Corporation – Hampton
Sun West Mortgage Co Inc – Parsippany
Union Home Mortgage Corp – Northfield
United Mortgage Corp – Toms River
Us Mortgage Corporation – Marlton
New Mexico
Guild Mortgage Company LLC – Albuquerque
Loan Depot – Albuquerque
Mortgage Solutions Of Colorado LLC – Farmington
New York
1st Priority Mortgage INC – Endwell
Advisors Mortgage Group LLC – Wantagh
American Financial Network Inc – Brooklyn
Caliber Home Loans Inc – Melville, Newburgh
Cardinal Financial Company, – Melville, Islandia, Syosset
Cliffco INC – Uniondale
Continental Mortgage Bankers – Westbury
Contour Mortgage Corporation – Garden City
Crosscountry Mortgage, LLC – Brooklyn, Pearl River
East Coast Capital Corp – Melville
Embrace Home Loans INC – Hauppauge
Fairway Independent Mortgage Corporation – Rochester, Freeport
Fm Home Loans, LLC – Brooklyn,
Hartford Funding LTD – Woodbury
Homebridge Financial Services INC – Bayside, Melville, Canandaigua, Rye Brook
Homestead Funding Corp – Glens Falls, Catskill, Rochester, New Hartford, Rhinebeck, Delmar, Clifton Park, Albany, Goshen
Hometown Lenders, INC – Rochester
Hunt Mortgage Corporation – Buffalo
Intercontinental Capital Group INC – Melville
Jet Direct Funding Corp – Bay Shore
Loandepot.Com – Rye, Fishkill, Patchogue, Fishkill, Patchogue, White Plains, Garden City
M And T Bank – Fishkill, Ballston Lake, Binghamton, Melville, Cheektowaga
Movement Mortgage LLC – Watertown, East Syracuse, Williamsville, Huntington, Hopewell Junction, Vestal, Latham
Nationwide Mortgage Bankers, INC – Melville
Paragon Home Loans, INC – Liverpool
Planet Home Lending LLC – Melville
Premium Mortgage Corporation – Rochester
Primelending A Plainscapital Company – Wappingers Falls, Newburgh, Williamsville, Rochester
Realfi Home Funding Corp. – White Plains
United Mortgage Corp – Melville, Levittown
Us Mortgage Corporation – Bronx, Melville
North Carolina
Start your North Carolina 203k loan.
American Neighborhood MTG Acceptance Co – Greenville
Ameris Bank – Raleigh
Ark-La-Tex Financial Services LLC – Greensboro
Cardinal Financial Company, – Charlotte
Castle & Cooke Mortgage LLC – Oakboro
Gateway First Bank – Kannapolis
Go Mortgage, LLC – Greenville
Guaranteed Rate Inc – Wilmington
Loan depot – Locust, Huntersville
Movement Mortgage LLC – Jacksonville, Southern Pines, Raleigh, Cornelius
New American Funding, LLC – Charlotte
Primary Residential Mortgage INC – Raleigh
Primelending A Plainscapital Company – Charlotte
Radius Financial Group INC – Asheville
Townebank – Greenville
Uwharrie Bank – Albemarle
North Dakota
Fairway Independent Mortgage – Bismarck, Fargo, Dickinson, Jamestown
Ohio
American Midwest MTG Corp – Parma Heights, Willoughby
Crosscountry Mortgage – Amherst, Stow, Cincinnati, Gahanna, Cleveland
Envoy Mortgage LTD – Powell
Fairway Independent Mortgage Corporation – Toledo, Cleveland Heights, Stow, Reynoldsburg, Westerville, Batavia
Fifth Third Bank, National Association – Cincinnati
Go Mortgage, LLC – Columbus
Guaranteed Rate Affinity, LLC – Cincinnati
Hometown Lenders, INC – Chillicothe
Liberty Home Mortgage Corporation – Independence
Loan depot – Findlay, Wilmington, Canton, Wilmington, Canton
Movement Mortgage LLC – Dublin, Columbus
Nations Lending Corp – Independence
NFM INC – Columbus
Option Financial LLC – Cincinnati
Polaris Home Funding Corporation – Marietta, Westerville
Primelending A Plainscapital Company – Marietta, Eaton, Dublin, Cincinnati
Republic State Mortgage – New Philadelphia
Top Flite Financial INC – Austintown
Union Home Mortgage Corp – Lancaster, Chillicothe, Worthington, Sheffield Village
Western Ohio Mortgage Corporation – Sidney
Oklahoma
Certainty Home Loans, LLC – Oklahoma
Everett Financial INC – Lawton
Fairway Independent Mortgage Corporation – Edmond
Gateway First Bank – Jenks
Loan Depot – Edmond
Primelending A PlainsCapital Company – Enid
US Mortgage Corporation – Tulsa, Claremore
Waterstone Mortgage Corporation – Tulsa
Oregon
Academy Mortgage Corporation – Wilsonville
Fairway Independent Mortgage Corporation – Seaside, Lake Oswego, Portland
Loan Depot – Bend, Redmond, Ashland
Umpqua Bank – Tigard
Pennsylvania
Acre Mortgage & Financial Inc – Philadelphia
Allied Mortgage Group Inc – Bala Cynwyd
American Heritage Federal Cu – Trevose
Amres Corporation – Trevose
Crosscountry Mortgage, LLC – Phoenixville, Wexford, Conshohocken
Emm Loans LLC – Lancaster
Fairway Independent Mortgage Corporation – Erie
Finance Of America Mortgage LLC – Conshohocken
First Preference Mtg Corp – York
Gateway First Bank – Allison Park
Guaranteed Rate Affinity, LLC – Camp Hill
Guaranteed Rate Inc – St Davids
Guild Mortgage Company LLC – Mechanicsburg, Lancaster
Homebridge Financial Services Inc – York, Harrisburg, Chadds Ford, Pittsburgh
Hometown Lenders, Inc – Dunmore
Huntingdon Valley Bank – Doylestown
Loan Depot – Wayne, Ambler
M And T Bank – York
Movement Mortgage LLC – Erie, York, Bethel Park, Phoenixville, Philadelphia
Nation One Mortgage Corporation – Huntingdon Valley
Primelending A Plainscapital Company – Lewisburg, Pittsburgh, Johnstown
Stockton Mortgage Corp – Pittsburgh
Rhode Island
Embrace Home Loans Inc – Middletown
Fairway Independent Mortgage Corporation – Providence
Freedom Mortgage Corporation – Warwick
Guaranteed Rate Inc – Providence
Guild Mortgage Company LLC – Lincoln
Loan Depot – East Providence
Movement Mortgage LLC – Providence
Paramount Residential Mortgage Group Inc – Providence
Primary Residential Mortgage Inc – Cranston
Rhode Island Hsg Mtge Fin Corp – Providence
Semper Home Loans Inc – Providence
Shamrock Home Loans, Inc.- Rumford
South Carolina
American Neighborhood Mtg Acceptance Co – Greenville
Ameris Bank – Columbia
Fairway Independent Mortgage Corporation – Greer
Loan Depot – Fort Mill, Columbia
Movement Mortgage LLC – Fort Mill
Platinum Home Mortgage Corp – Little River
Primelending A Plainscapital Company – Spartanburg, Summerville
Roundpoint Mortgage Servicing Corporation – Fort Mill
South Dakota
Fairway Independent Mortgage – Sioux Falls
Tennessee
Acopia LLC – Goodlettsville
Caliber Home Loans Inc – Chattanooga, Sevierville
Cardinal Financial Company, – Knoxville
First Community Mortgage Inc – Murfreesboro
Guaranteed Rate Inc – Johnson City
Loan Depot – Memphis
Mortgage Investors Group – Knoxville
Movement Mortgage LLC – Knoxville
Paramount Residential Mortgage Group Inc – Nashville
Southwest Funding Lp – Memphis, Chattanooga
Texas
American Financial Network Inc – Fort Worth
American Neighborhood Mtg Acceptance Co – Mansfield
Caliber Home Loans Inc – Austin, Coppell
Cardinal Financial Company, – Plano, Houston, Heath
Certainty Home Loans, LLC – San Antonio, Sugar Land, Arlington, Plano
Cornerstone Capital Bank, Ssb – Houston
Everett Financial Inc – Dallas,allen, Austin, Corpus Christi, Southlake
Fairway Independent Mortgage Corporation – Port Neches, New Braunfels, Temple, Houston, Burleson, San Antonio
First Preference Mtg Corp – San Antonio
Flagstar Bank, N.a. – Frisco
Gateway First Bank – San Antonio, Dallas, Victoria
Guaranteed Rate Affinity, LLC – Houston
Guaranteed Rate Inc – Dallas, Sugar Land
Guild Mortgage Company – Colleyville
Highlands Residential Mortgage Ltd – Plano, Houston
Homebridge Financial Services Inc– Addison, Sugar Land
Utah
Academy Mortgage Corporation – Duchesne
Bank Of Utah – Ogden
Everett Financial Inc – Salt Lake City
Fairway Independent Mortgage Corporation – Sandy
Primary Residential Mortgage Inc – Salt Lake City
Vermont
Academy Mortgage Corporation – St Albans, Barre
Envoy Mortgage Ltd – Essex Junction
Fairway Independent Mortgage Corporation – South Burlington
Homebridge Financial Services Inc – Colchester, South Burlington
Movement Mortgage LLC – South Burlington
Virginia
Alcova Mortgage LLC – Roanoke
American Financial Network INC – WoodBridge
Ameris Bank – Fairfax, Newport News
Assurance Financial Group LLC – Richmond
Atlantic Bay Mortgage Group LLC – Virginia Beach
Atlantic Coast Mortgage LLC – Fairfax
C&F Mortgage Corp – Chesapeake
Cardinal Financial Company– Virginia Beach
Embrace Home Loan – Fredericksburg
Fairway Independent Mortgage Corporation – Gainesville
First Heritage Mortgage– Fairfax, Richmond
George Mason Mortgage LLC – Fairfax
Go Mortgage, LLC – Fairfax Station
HomeBridge Financial Services Inc – Glen Allen
Homespire Mortgage Corporation – Virginia Beach
Loan Depot – Virginia Beach
Lower, LLC – Fairfax
Mason Mcduffie Mortgage Corp – Midlothian
Movement Mortgage, LLC – Fairfax, Mechanicsville, Fredericksburg, Richmond, Virginia Beach
New American Funding, LLC – Suffolk
NFM INC – Vienna
Primary Residential Mortgage INC – Lynchburg
Primelending A PlainsCapital Company – Virginia Beach
Prosperity Home Mortgage – Chantilly
Tidewater Home Funding – Chesapeake
Tidewater Mortgage Services INC – Virginia Beach
Town Mortgage, LLC – Norfolk
TowneBank – Glen Allen, Norfolk
Washington
Connect with a Washington 203k lender.
Academy Mortgage Corporation – Auburn, Lacey
American Pacific Mortgage – Everett
Caliber Home Loans Inc – Federal Way, Olympia, Bellingham
Cardinal Financial Company – Bellevue
Cornerstone Capital Bank – Covington
Evergreen Moneysource MTG Co – Silverdale, Gig Harbor
Fairway Independent Mortgage Corporation – Puyallup, Gig Harbor, Federal Way
Homebridge Financial Services Inc – Seattle, Tukwila, Lynnwood, Oak Harbor, Mount Vernon
Mann Mortgage LLC – Bellevue
Movement Mortgage LLC – Puyallup
Washington, DC
Everett Financial/Supreme Lending – DC
West Virginia
Gateway First Bank – Charleston, Hurricane
Loan Depot – Hurricane
Movement Mortgage LLC – Vienna, Beckley, Huntington, Morgantown
Primelending A PlainsCapital Company – Princeton, Vienna, Morgantown, Huntington, Charleston, Charles Town
Wisconsin
Fairway Independent Mortgage Corporation – Madison, Pewaukee, Mequon
Loan Depot – New Richmond
Movement Mortgage LLC – Brookfield
New American Funding, LLC – Brookfield
Primelending A PlainsCapital Company – EAU Claire
Wyoming
First Northern Bank of Wyoming – Buffalo
Guild Mortgage – Casper
How to interview 203k loan lenders
The difference between a successful and unsuccessful 203k project often comes down to the lender. Most lenders will tell you they can do them to get your business, but don’t take it at face value. Make them prove it by answering a few questions. Ask whoever answers the phone to speak with the top 203k loan officer in the branch.
Do you do the Standard (Full) 203k or just the Limited?
Many lenders only offer the limited 203k, which is fine if your project costs won’t exceed around $30,000. If you’re doing a bigger project, you need a Full 203k lender.
How many 203k loans have you done in the past 6 months?
Experience is the best trainer. Those who have done more 203k loans recently have seen more situations and will know how to get your loan through.
Can you recommend a 203k consultant?
While it’s easy to find a list of HUD-approved 203k consultants by state, the lender may have a favorite that they work with. You’ll need a consultant for the Full 203k program, but it could be a good idea to use one on a Limited 203k as well.
Can you recommend a 203k contractor?
A good 203k loan officer will know contractors in the area that will accept a 203k project. Some contractors won’t do them due to the limited draw schedule and lack up payment prior to starting the job.
Do you see any pitfalls in my scenario?
A good 203k lender can tell you if there are items in your project that 203k won’t allow or if the project is better suited to another renovation loan.
Is 203k the best solution?
Your project may be better suited for a Fannie Mae or Freddie Mac renovation loan.
Start your 203k journey
Whether you’re renovating a single-family or multifamily residence, an FHA 203k can give you instant equity and allow you to buy a run-down home for below asking price. In turn, they can be complex to finish.
The right 203k lender can make the process smooth and get you on your way to that renovated home.