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DIY Work and the 203k Loan: Can I Do Some of the Work Myself?

man tiling floorA home improvement wish list can include all varieties of projects. Maybe you're looking to remodel your kitchen. You might also want to replace your carpet or put in new tile. Or if you're really feeling ambitious, you might want to add a bathroom, 2 bedrooms and a finished basement "man cave."

Some of this work would fall under the do-it-yourself umbrella for a lot of us. But some of the work might be perfect for a contractor. So what if the financing option requites the work be done by a licensed contractor, but you want to do some of the work yourself?

That's the question posed by a home buyer considering the home improvement loan option FHA 203k. The 203k loan requires a licensed contractor do the work. this helps ensure the work is done and done well, as 203k lenders like AmeriFirst Home Mortgage carefully consider the contractors during the approval process.

How does a homeowner or home buyer use the 203k loan and DIY work together? Very carefully. Check out the short video below to see how DIY work factors into the 203k loan. 

See the embedded video here - DIY Work and the 203k Loan: Can I Do Some of the Work Myself?

The script:

I'm Dan Moyle with AmeriFirst Home Mortgage and THIS... is your "60 Second Mortgage Tip." 

Here's another viewer question: "Is it possible to use an FHA 203k loan to ONLY finance those renovations which you don't plan on doing yourself? I know I have no desire or ability to put in replacements windows or reroof a house. But I have experience with tiling and feel pretty confident I could handle a bathroom remodel. Would it be possible to finance the windows/roof, but pay for the bathroom myself?" 

Yes! You can finance repairs needed to pass an FHA inspection or desired repairs done by a professional. If there are DIY home improvements you want to tackle, simply don't roll them into the bids for the work with the FHA 203k. 

Thanks for watching. Be sure to subscribe to our channel for more video tips and visit our blog. And if you like it, hit the thumbs up below for us! Again I'm Dan Moyle with AmeriFirst Home Mortgage. This has been your "60 Second Mortgage Tip." 


Learn all about the 203k loan and your options when it comes to financing home improvements with our free guide below.

Loan Options Guide


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