House needs updating

For either type of 203(k) loan, the total amount you can borrow must fall within the FHA mortgage limit for the county and state where the home you are buying is located.

Complete a loan application and submit the required documentation.

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Use a softener like CAULK-BE-GONE to get rid of the old caulk.Any updates you make must add value to the home, points out Make certain the contract states that the purchase is contingent upon you getting approved for an FHA 203(k) mortgage loan.Contact an FHA-approved lender of your choice to apply.For damaged walls, spray-on texture provides quick coverage.Replace old shower doors or remove them to add the illusion of space.Whether a house really needs work is based on personal opinion. Sometimes sellers will ask if they should fix up a home or sell it as is, and while certain repairs will bring more money, some types of improvements are better left as an option for the buyer.


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