FHA Streamline Refinance

FHA loan refinance to lower interest FHA loan.
  • No Appraisal Required*
  • No Income Verification*
  • No Employment Qualifying*
  • No Assets Verification*
  • No Credit Qualifying*
  • No Debt Ratios
  • No Seasoning Required*
  • No Face to Face Application
* These items changed since Nov 17, 2009

VA Streamline Refinance

VA loan refinance to lower interest VA loan.
  • No Appraisal Required
  • No Income Verification
  • No Assets Verification
  • No Credit Qualifying
  • No Debt Ratios
  • No Seasoning Required
  • No Face to Face Application

FHA 203K Streamline Loan

Simplified (Streamlined) version of FHA 203K loan. It is "light" rehab loan (up to $35,000) under FHA guidelines perfect for most light fixers and upgrades. Owner occupied properties only. When combined with FHA purchase loan can be used for "fixer" purchases.
  • Can exceed the purchase price
  • Can be adjustable or fixed rate
  • Owner can do some of the work himself
  • Up to 6 months to complete work
Jun
21

FHA 203K Streamline question?

By


I have learned about this loan but have a question. We have found a home thats nice but needs a little work update 2 small baths,1 kitchen and a little outside work. We’ve estimated it would take 30k to 35k, now most of this work my husband knows how to do since he’s a Journeyman Electrician, but I am wondering would we still have to hire a General contractor to do the work that we could do for free?

Categories : Q&A

2 Comments

1

Find someone with a Masters perhaps your spouse’s employer that is willing to pull permits and let him do the work under his Contractors license. Many just charge $150 to $200 to use their Lic. They may ask to see the home and be present for inspections to insure you are not doing shoddy work, against their name.

2

Not necesssarily, depends on the type of work. Will you be liv ing in the home while the work is being done, if not FHA can defer your mortgage payments while you reside elsewhere. go on the Hud website, it’s all there. I did it!

Leave a Comment

You must be logged in to post a comment.