List Of FHA 203k Loan Lenders In Every State

Here’s a List Of FHA 203k Loan Lenders In Every State

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


Caliber Home Loans – Montgomery

CIS Financial – Hamilton

Embrace Home Loans – Mobile

Homebridge Financial Services – Hoover

Hometown Lenders – Huntsville


Guaranteed Rate – Anchorage

Prime Lending – Anchorage


Cardinal Financial – Chandler, Scottsdale

Fairway Independent – Glendale, Phoenix, Mesa

Guild Mortgage Company – Chandler

Loan Depot – Scottsdale


Gateway First – Fort Smith, Little Rock

Primary Residential – Little Rock


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.


Cherry Creek Mortgage – Greenwood Village

CrossCountry – Denver

Fairway Independent – Denver, Aurora

Loan Depot – Pueblo

New American Funding – Greenwood Village

Primary Residential – Englewood


American Neighborhood Mortgage – Vernon

CrossCountry – Fairfield

Embrace Home Loans – Southington

Envoy Mortgage – Manchester, Fairfield

Fairway Independent – Danielson, Hartford, Shelton

First World Mortgage – Hartford


Everett Financial/Supreme Lending – DC


Equity Prime Mortgage – Milford

Evolve Bank & Trust – Rehoboth Beach

Meridian Bank – Wilmington

Primary Residential – Newark


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

Start your Florida 203k loan.


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



HomeStreet Bank – Honolulu


Academy Mortgage Corporation – Nampa

Fairway Independent Mortgage Corporation – Mccall

Guaranteed Rate Inc – Meridian

Loan Depot – Boise

Mann Mortgage LLC – Idaho Falls


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


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 – Carmel

Primelending a plains capital company – Indianapolis

Ruoff Mortgage company Inc – Fort Wayne

Southwest Funding LP – Indianapolis


American Pacific Mortgage – Ames


Fairway Independent Mortgage Corporation – Leawood

Gateway First Bank – Wichita

Open Mortgage LLC – Hutchinson, Wichita

Primary Residential Mortgage Inc – Hutchinson, Newton


American Neighborhood mtg Acceptance Co – Louisville – Paducah, Richmond

Movement Mortgage – Louisville, Lexington

Stockton Mortgage Corp – Louisville, Bowling green


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 – 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


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


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 – 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


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


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


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


Caliber Home Loans Inc – Hattiesburg

Cmg Mortgage Inc – Biloxi

Cornerstone Capital Bank, SSB – Ridgeland

Fairway Independent Mortgage Corporation – Ridgeland


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


Fairway Independent Mortgage Corporation – Great Falls

Guild Mortgage Company LLC – Havre


Castle & Cooke Mortgage LLC – Blair


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


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


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


Academy Mortgage Corporation – Wilsonville

Fairway Independent Mortgage Corporation – Seaside, Lake Oswego, Portland

Loan Depot – Bend, Redmond, Ashland

Umpqua Bank – Tigard


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


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


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


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


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


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


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


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


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.

Find an experienced 203k lender in your state. Start here.


  • Tim Lucas

    Tim Lucas (NMLS 118763) has 20 years of hands-on mortgage industry experience helping everyone from first-time buyers to experienced investors. He purchased his first home at 26 with just $1,100 out-of-pocket and now owns real estate worth $2.4 million. Tim was the managing editor at national websites and and has been featured in publications such as Time, U.S. News, MSN, and more. He is a licensed loan originator (NMLS 118763). Connect with Tim on LinkedIn, Twitter, and TikTok.