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FHA 203k & SONYMA Consultant

FHA 203k Consultant ID #P2150

If you're searching for an FHA 203k consultant in your area, you've come to the right place. With more than 20 years of experience in construction — working as both a project manager and estimator for major commercial and residential companies — We bring real, hands-on knowledge to every project. Maxwell Home Inspection Services still active in the construction procurement design world as a professional estimator, so we stay up to date on current building costs. We worked on both sides of the FHA 203(k) process: as a contractor doing the work and as a consultant helping clients plan and budget for it. We also offer SONYMA consulting services.

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We serve all areas of Upstate New York, including Saratoga Springs, Malta, Ballston Spa, Clifton Park, Schenectady, Troy, Rensselaer County, and upper Albany County. I’m also happy to travel further for an additional fee.

203(k) Loan

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A lot of FHA 203(k) projects run into trouble without an experienced consultant to guide the way. We take pride in helping move your project forward smoothly — from start to finish. Right from our first conversation, We can handle your inspections, estimates, and consulting needs. As a licensed home inspector, I’ll provide a thorough, high-quality inspection to help you really understand the full scope of your project.

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If you don’t have a contractor’s estimate yet and need help with budgeting or putting together a clear written scope of work, Maxwell Home Inspections offer an initial consultation phase — sometimes called a budget study. This step helps identify all the must-do, recommended, and optional work items for your project. It’s a powerful tool that helps your project stay on track and makes sure every contractor bidding on the job is working from the same page. We even share a list of contractors you can reach out to for bids.
 


HUD Approved Consultant

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Already had your inspections done and found a contractor? No problem — Maxwell Home Inspection Services can provide a professional, thorough Work Write-Up that really stands out. We also offer draw inspections if you need them. Not sure about the HUD Policy Handbook requirements? We know them inside and out and am happy to walk you through it. This is more than just a service — it’s a complete support system. I’ll be with you every step of the way.

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Maxwell Home Inspection Services, LLC is currently the only HUD-approved consultant listed in Albany, NY — but we also serve the wider Capital District and beyond. That includes Saratoga Springs, Clifton Park, Troy, Schenectady, Albany, Ballston Spa, Malta, Rensselaer County, and surrounding areas.​
 

Need a 203(k) Consultant?

FHA 203k Consulting

How do I qualify for a FHA 203k loan?

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To qualify for an FHA 203k loan, you’ll need to:

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  • Be a first-time homebuyer — or not have owned a home in the last three years.

  • Live in the home as your main residence.

  • Have a credit score of at least 620.

  • Save up for a down payment of 3.5% of the home’s purchase price.

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How does a FHA 203k loan work?

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The FHA 203k loan program is designed to help you buy and fix up a home — all with one loan. Because it’s insured by the Federal Housing Administration (FHA), lenders are protected if a borrower is unable to repay the loan.

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Who offers FHA 203k loans?

 

Many different lenders offer FHA 203k loans — including banks, credit unions, and mortgage companies. Not sure where to start? A FHA 203k consultant can help point you in the right direction.

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What is the maximum amount I can borrow with a FHA 203k Loan?

 

The amount you can borrow depends on what your home will be worth after renovations are complete. Your credit score can also play a role. This is all figured out during what’s called a conversion appraisal, which happens before your loan closes and funds. It helps determine whether your project is a good fit for the program.

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What are the benefits of a FHA 203k loan

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There are a number of great benefits that come with an FHA 203k loan:

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  • You can buy and renovate a home with just one loan.

  • You may be able to finance up to 110% of the home’s after-renovation value.

  • It can also be used to refinance a home you already own.

  • It adds immediate value to a property in need of repair.

  • It opens the door for buyers who want a say in their home’s updates but aren’t quite ready to purchase new construction.

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