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Two Programs. One Powerful Loan.
Most lenders follow basic guidelines.
We structure your loan across 100+ lenders to maximize approval, lower your payment, and uncover options most borrowers never see.
Whether You're Buying or Renovating, 203k Has a Path Forward
One loan. Two powerful options. Endless possibilities.
Most renovation loans are complicated, expensive, and take forever to close. The FHA 203k changes that. It wraps your purchase price and renovation costs into one single FHA-backed loan — so you can stop dreaming about what a home could be and start making it happen.
C2 Financial specializes in 203k loans. We manage the moving parts, coordinate with your contractor, and guide you through every step — so the process feels simple even when the project is big.
- One loan covers purchase + renovation costs
- As little as 3.5% down based on total project cost
- Works for cosmetic updates and full gut renovations
- Licensed 203k specialists manage the process for you
— Limited 203k
Perfect for cosmetic updates and non-structural repairs. Flooring, paint, kitchen and bath upgrades, HVAC, roofing and electrical — up to $75,000 in renovation costs with a faster, simpler approval process.
- No structural work required
- No HUD consultant needed
- Faster closing timeline
— Standard 203k
Built for major renovations. Structural repairs, room additions, full gut renovations and accessibility improvements — with no cap on renovation costs. A HUD-approved consultant oversees the project from start to finish.
- Structural & load-bearing work allowed
- No renovation cost ceiling
- Full project oversight included
Why the 203k Makes Sense
Most buyers don’t realize one loan can cover both purchase and the renovation. Here’s why that matters.
✔ One loan — not two
✔ Buy below market, renovate to value
✔ Low down payment — just 3.5%
✔ Flexible credit guidelines
Speak With an FHA 203k Specialist — Right Now
Get real answers in minutes. No forms. No waiting.
(888) 883-9277
✔ Available now
✔ No obligation
✔ Licensed loan advisors
Buy & Renovate With One Loan
Finance the purchase or refinance of a home plus renovation costs — all wrapped into one FHA-backed loan.
You're All Set!
A licensed C2 Financial 203k specialist will reach out within 1 business day with your renovation loan options.
What Happens Next
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