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Monday, January 5, 2009

203(K) PROGRAM: Rehab Foreclosed Home

The 203(k) home loan is a rehabilitation loan offered to home buyers looking to purchase a foreclosed home in need of improvements, or home owners looking to rehabilitate their current property.

With the 203(k) factored in, the borrower actually finances the cost of these improvements into their new 30 year fixed rate home loan.

No second, equity line, or other financing is used.

Improvements can be major, such as a room addition, or cosmetic for items like new appliances, kitchen, bath remodels and much more.

In some cases the mortgage payment (up to 6 months) may be financed back into the 203(k) loan.

There are no first-time home buyer requirements.

The borrower may hire a contractor, or do the work themselves.

1 comment:

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