Transform Your Dream

Home In Los Angeles

FHA 203k Rehab Loans allow you to finance both the purchase and renovation of your LA property with just one loan and one closing.Access up to 96.5% loan-to-value financing with flexible credit requirements and competitive interest rates. Perfect for LA's historic homes and fixer-uppers.

Get Your FHA 203K Loan Quote

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Excellent (740+)
Excellent (740+)
Good (700-739)
Fair (650-699)
Poor (600-649)
Bad (below 600)
Primary Residence
Primary Residence
Secondary Home
Investment Property
Multi-Unit Property

What is FHA 203K Loan

An FHA 203k loan allows you to finance both the purchase and renovation of a property with a single mortgage. Instead of getting separate loans for buying and remodeling, you can combine everything into one loan with one closing and one monthly payment.

These government-backed loans are perfect for Los Angeles homebuyers looking at older homes in established neighborhoods like Echo Park, Silver Lake, Highland Park, and other areas with character-rich properties that need updates.

For LA's competitive market, 203k loans offer a strategic advantage, letting you look beyond move-in ready homes to find hidden gems with tremendous potential.

FHA 203K LOAN REQUIREMENTS

Lower Down Payment:

Down payments as low as 3.5% for borrowers with credit scores of 580 or higher, making homeownership more accessible.

Lower Mortgage Insurance:

FHA mortgage insurance premiums (MIP) can be more affordable than conventional loan PMI for borrowers with lower credit scores.

Flexible Credit Requirements:

Qualify with credit scores as low as 500 (with 10% down) or 580 (with 3.5% down), ideal for borrowers with less-than-perfect credit.

Gift Funds Accepted:

100% of your down payment can come from gift funds from family members, employers, or approved organizations.