Are you looking for a new home in St. Louis, St. Charles, Kansas City, Columbia, Springfield, really anywhere in Missouri? Maybe, having some difficulty finding the right home? 

Have you found that almost perfect home in the right location, near work, a great school district, great yard, this house has all the rooms you want, this home would be absolutely the right home for you but it needs a little or a lot of work. I call these 'BUT' homes, I would purchase this house, but.......

Have you seen homes that if only it had a bigger garage or even a garage at all, or the kitchen would be great if it had a new stove and appliances, or the bathroom needed updating, or the flooring needed replacing, or......whatever you can think of that would make your near perfect home perfect? That house may be your but home!

The FHA 203k rehab loan may be your answer to turning that fixer upper into your dream home. The FHA 203k rehab loan is a popular mortgage program designed for home buyers that want to finance the cost of home improvements into a new loan.

Are you considering a renovation type mortgage or just want to know more? My name is Bob Rutledge and I am a Certified Renovation Mortgage Specialist. Allow me to send you my ULTIMATE GUIDE TO HOME IMPROVEMENT LOANS. In this guide you will learn much more about the FHA 203k and HomeStyle Renovation mortgage programs, plus other home loans that may be what you need. Just for requesting a copy of my Guide I will also provide you with a $500 discount for closing costs on your next mortgage!

Use the form at the end of this article to ask a question, get pre-qualified, or simply get a copy of the best help you will ever get outside of talking directly with me!

The financing for this mortgage will include the purchase price, as well as the improvements you are either required to do per FHA standards and/or the improvements you want to make, such as upgrade the kitchen, the bathroom, a new water heater, new flooring, etc.

Repairs on a fixer upper can be expensive when you do them AFTER your mortgages closes, if you even have the cash on hand to get those repairs and improvements done immediately. The FHA 203k Renovation Mortgage allows borrowers to finance the improvements into the new loan vs. having to pay for the updates and repairs out of their savings or worse putting it on their credit cards.

The FHA 203k Rehab/Renovation loan is designed for fixer uppers, home that are outdated, a little too small,  sold as is, those houses that YOU can make into your Home. Home buyers and borrowers can qualify for a mortgage on a home that needs work and actually finance the construction costs labor/material up front.

One single loan is used to pay for the purchase (or refinance) and cost of rehabilitation or updating of the home.

If you can imagine it, more than likely it can be financed into a FHA 203k mortgage.

Somethimes a new home simply may require some minor cosmetic work, like new flooring, upgrade a kitchen or bath, put on a new roof or install new energy efficient windows. Or it could be that you find a home that is the perfect price and location, but inside it needs a complete gut job.

You like the shell of the house, or not, but want to blow out the walls to change the floor plans, need to add a floor, re-do the plumbing or electrical, really major stuff! Just maybe the bones of the house are terrific but it is just too small.....add a an extra room or even an entire new level!

The FHA 203k Rehabilitation program is designed to address all of these circumstances and more!

One of the many great things about the FHA 203k mortgage is that this loan program is originated and underwritten just like the standard FHA mortgage program, if you can qualify for the standard FHA mortgage you can qualify for the FHA 203k program!

You can purchase your soon to be perfect dream home with the same 3.5% down payment of a regular FHA loan, depending on your loan amount. Just like a normal FHA mortgage the seller can help you with the closing costs as well.....imagine getting your next new home with only a 3.5% investment.

Would You Like To Know More?

And there is a lot more to consider before you can know for sure if this program is right for you. Allow me to send you my ULTIMATE GUIDE TO HOME IMPROVEMENT LOANS this e-book will supply you with everything you need to know about how to finance your home's improvement.

My name is Bob Rutledge and I specialize in renovation mortgages, I am a Certified Renovation Mortgage Specialist, and I close renovation mortgages every month. Most mortgage lenders cannot say that. I have the ability to close FHA 203k and HomeStyle Renovation loans all over the State of Missouri, quickly, easily and with far less stress.  I have worked with home buyers and owners not only in St. Louis and the surrounding area, but in Kansas City, Springfield, Cape Girardeau, Columbia, Sikeston and other towns in Missouri. If you need help with a mortgage for your new home or just have questions please free to contact me.

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Renovation Guide and Information

Want more Information on the FHA 203k or HomeStyle Renovation Mortgage programs? Please fill out the information below and I will send you a copy of my Guide plus a $500 savings off your closing costs Fill out the entire form for a quick and easy Pre-Qualification it will only take 2 minutes and I will have answers for you in 1 to 2 business days. Thank you and I hope that I will soon be working for you and you 'NEW' home.

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