Friday, November 21, 2008

FHA 203K Rehab Loans

203K Rehab Loans

  

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Check out the FHA 203K Limited Rehab Loan….   It is a limited repair program that permits borrowers to finance up to an additional $35,000 into their mortgage to improve or upgrade their home before move in. The loan is qualified through standard FHA guidelines and requirements.  The following are eligible improvements:  
  • Repair/replacement of roofs, gutters and downspouts
  • Repair/replacement/ upgrade of existing HVAC systems
  • Repair/replacement/ upgrade of plumbing and electrical systems
  • Repair/replacement of flooring
  • Minor remodeling, such as kitchens, which does not involve structural repairs
  • Painting, both exterior and interior
  • Weatherization, including storm windows and doors, insulation weather stripping etc.
  • Purchase and installation of appliances , including free standing ranges, refrigerators, washers/dryers, dishwashers and microwave ovens
  • Accessibility improvements for persons with disabilities
  • Connection to public water or sewage system
  • Repair/replacement/ add exterior decks , patios, porches, sidewalks and driveways
  • Basement finishing and remodeling, which does not involve structural repairs
  • Basement waterproofing, including mold removal
  • Window and door replacements and exterior wall residing
  • Septic system and/or well repair or replacement
  Ineligible Improvements Include:  
  • Major rehab remodeling , such as the relocation of a load bearing wall
  • New construction (including room additions)
  • Repair of structural damage
  • Manufactured Home foundation repairs/ upgrades  to meet HUD standards
  • Landscaping or similar site amenity improvements, including fence
  • Any repair or improvement requiring a work schedule  longer than 3 months; or Rehab activities that require more than two (2) payments per specialized contractor
  • Repairs requiring detailed drawings plans or architectural exhibits or require a plan reviewer
  • Result in work not starting within 30 days after loan closing; or cause the mortgagor to be displaced from the property for more than 30 days during the time the rehab work is being conducted.
  • Lead based paint stabilization or abatement of lead based paint hazards
 Contact me today for more information on how this loan may work for you!  Rio Delaportas American Spirit Mortgage 877-311-1011 toll free rio@americanspiritmortgage.com <mailto:rio@americanspiritmortgage.com> www.americanspiritmortgage.com <http://www.asmemail.com/link.php>   
To unsubscribe, please click here. <http://www.asmemail.com/unsubscribe.php> American Spirit Mortgage, 1501 S. Pinellas Ave., Unit F, Tarpon Springs, FL 34689Toll Free: (877) 311-1011 Fax: (727) 943-5658

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