Apply Online
Back

FHA 203(k) Rehab Loan

An FHA 203(k) Rehab Loan is a government-backed mortgage that lets you buy or refinance a home and include the cost of renovations and upgrades—including solar—in one loan. It’s perfect for properties that need repairs or modernization, allowing you to transform a fixer-upper into a move-in-ready home without juggling multiple loans.

With a 203(k), you can finance improvements such as a new roof, kitchen remodel, energy-efficient windows, solar panel/battery installation, HVAC systems, or even structural repairs—all while benefiting from low down payments and flexible credit requirements backed by the Federal Housing Administration (FHA).

Combine home purchase and renovation costs into a single, manageable mortgage.

The FHA 203(k) Rehab Loan allows borrowers to combine home financing and renovation costs into one mortgage. This eliminates the need for separate loans or high-interest credit cards to pay for repairs. Buyers can purchase or refinance a home and finance approved improvements at the same time. This loan is ideal for fixer-uppers or homes that need upgrades to meet livability standards. By rolling renovation costs into the mortgage, borrowers can increase property value while maintaining one manageable monthly payment.

Key Features

  • One loan for purchase and renovations
  • FHA-backed with flexible credit guidelines
  • Increases property value through upgrades

Get started today!

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

What are your goals?
We are committed to helping you reach them.

Where is the home located?

What type of home is it?

Where are you in the home buying process?

How do you plan to use your new home?

Have you or your spouse served in the US military?

Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.

What is your (or your spouse's) branch of military service?

Are you actively working with a real estate agent?

Is this your first time purchasing a home?

What is the approximate purchase price of the new property?

$250,000

How much do you have for a down payment?

$250,000 (25% Down)

What is your current employment status?

What is your household gross (before taxes) annual income?

What is your credit score?

Have you had a bankruptcy or foreclosure in the past 3 years?

What’s your name?

Where is the home located?

What type of home is it?

Have you or your spouse served in the US military?

Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.

What is your (or your spouse's) branch of military service?

What is the estimated value of your property?

$250,000

What is the estimated balance of your first mortgage?

$250,000

Do you have a second mortgage?

How much additional cash do you wish to borrow?

(It's OK to estimate or if no cash-out leave at $0)

$250,000

What is your current employment status?

What is your household gross (before taxes) annual income?

What is your credit score?

Have you had a bankruptcy or foreclosure in the past 3 years?

What’s your name?

SSL Certificate

Equal Housing Opportunity

Social

Hellolend is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

 

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

 

The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

A wholly-owned subsidiary of EverPower.AI. | Copyright © HelloLend - 2026. All rights reserved.

We use cookies to enhance user experience. By accepting, you agree to our Privacy Policy.