Meet Your 203K Lender for

CALIFORNIA

Mike Henderson

(888) 218-4408

203K Specialist / Branch Manager
NMLS # 248445

loan Depot
Company NMLS #174457

Hi I’m Mike, an FHA Loan & 203K Renovation Specialist! I Want to Hear From You! Let's Talk About Your Purchase or Refinance.

Let's talk about,  How to Qualify,  203k Loan Requirements, & Other Questions  you may have. Your Situation is Unique which is Why it’s Best for Me to give you the Answers you are looking for personally.  Call or e-mail Me, whichever way works best for YOU.

Looking for an FHA Loan?   Why not make it an FHA 203K?

FHA 203K Renovation & Home Improvement Financing for Purchasing or Refinancing Your Home

Creating The Home You Love STARTS HERE!

203K Purchase

Avoid Common Financing Roadblocks

Avoid getting your financing denied due to property conditions.  Avoid any upfront property repair requirements

203K Refinance

Improvements are Made After Closing

Improve your home Size
Improve your home Comfort
Improve your home Value

203K All In One Loan!

Finance Plus Improvements!

Combine your home improvement funds with your purchase or refinance loan to Renovate, Repair, Rehab, or Remodel your property all at the same time.

What Properties are 203K Eligible in California?

203K Eligible properties include Single Family, 2 to 4 units, Condos, Townhomes, and even mixed use.


Types of FHA 203K Eligible Sales

Regular Standard Listing, Foreclosure, HUD Repos, REO, For sale by Owner, as well as other sales, plus it can be used to refinance.

A Home Owners Guide to the FHA 203K Loan

Get The 203k Loan Info You Need!  

FREE DOWNLOAD!

 FHA 203K Questions You May Have

Ready to unravel the FHA 203K loan? Let's start by covering the basics first. For more tailored, in-depth answers specific to your situation, feel free to reach out to me, Mike Henderson, your dedicated 203K Lender, for all the detailed information you need

FHA-203K-Loan-Home-Improvement.jpg

What is an FHA 203k Loan?

An FHA 203k loan is a Federally Insured Loan designed to help home buyers purchase a property that needs renovation or refinance an existing home with the goal of making repairs and improvements. It's the financing tool for your home transformation!

How to Qualify for an FHA 203k Loan in California?

Qualifying for a 203k loan is easy, whether you’re Buying or Refinancing.  This type of home improvement loan is  just like any other type of home loan except you’ll also get the additional funds needed for all your Repairs, Renovations or Rehab.   

203K-Loan-Qualifications

Who is Eligible to Qualify for a 203k Loan?

Whether you’re a First-Time Homebuyer, previously Owned a home or currently a Homeowner, you are eligible to qualify for a 203k Loan as long as you plan to occupy the property.


Who is a 203k loan for?

The FHA 203K Loan is a great option for those looking to add home improvement funds to their purchase or refinance loan, with the advantage of a minimal down payment or equity.   

Why a 203k Loan?

This All-in-One Loan allows a broader scope of  properties for you to choose from.  You can pick up a fixer upper or an outdated property and fix it up the way you want.   With other types of financing, property conditions could cause a dilemma requiring these issues to be resolved before closing your loan. That can slow down or stop your transaction from closing. With the 203k you will avoid those property condition hurdles

Why-A-203K-Loan?

How does an FHA 203K Work?

Unlike other loans, the 203K Loan approval is based on the FUTURE Value of the home (after improvements), rather than the current value. This unique feature allows home buyers to finance improvements with a minimal down payment and for current property owners, allows to refinance with minimum equity as well.


Once the  loan closes the home improvements begin. Funds are disbursed as scheduled and the end results is a property that you envisioned and love!  

How To Start Your 203K Loan?

To get started, you'll need to contact your 203K Specialist and provide them with preliminary info about yourself, your property, and the renovations you’d  like to accomplish.

Get quick Answers to your FHA 203K Loan Questions!

"Contact me now, to accomplish your goals and plans. I look forward to hearing from you!"

Mike Henderson

(888) 218-4408

Mike Henderson is an FHA 203k Lender helping homebuyers, homeowners and real estate agents with their Renovation Loan financing throughout the California cities below:

Alameda
Albany
Berkeley
Dublin
Emeryville
Fremont
Hayward
Livermore
Newark
Oakland
Piedmont
Pleasanton
San Leandro
Union City
Alpine
Amador
Amador City
Ione
Jackson
Plymouth
Sutter Creek
Butte
Biggs
Chico
Gridley
Oroville
Paradise
Calaveras
Angels
Colusa
Williams
Contra Costa
Antioch
Brentwood
Clayton
Concord
Danville
El Cerrito
Hercules
Lafayette
Martinez
Moraga
Oakley
Orinda
Pinole
Pittsburg
Pleasant Hill
Richmond
San Pablo
San Ramon
Walnut Creek
Del Norte
Crescent City
El Dorado
Placerville
South Lake Tahoe
Clovis
Coalinga
Firebaugh
Fowler
Fresno
Huron
Kerman
Kingsburg
Mendota
Orange Cove
Parlier
Reedley
Sanger
Selma
Glenn
Orland
Willows
Humboldt
Arcata
Blue Lake
Eureka
Ferndale
Fortuna
Rio Dell
Trinidad
Brawley
Calexico
Calipatria
El Centro
Holtville
Imperial
Westmorland
Inyo
Bishop
Kern
Arvin
Bakersfield
California City
Delano
McFarland
Maricopa
Ridgecrest
Shafter
Taft
Tehachapi
Wasco
Kings
Avenal
Corcoran
Hanford
Lemoore
Lake
Clearlake
Lakeport
Lassen
Susanville
Agoura Hills
Alhambra
Arcadia
Artesia
Avalon
Azusa
Baldwin Park
Bell
Bellflower
Bell Gardens
Beverly Hills
Bradbury
Burbank
Calabasas
Carson
Cerritos
Claremont
Commerce
Compton
Covina
Cudahy
Culver City
Diamond Bar
Downey
Duarte
El Monte
El Segundo
Gardena
Glendale
Glendora
Hawaiian Gardens
Hawthorne
Hermosa Beach
Hidden Hills
Huntington Park
Industry
Inglewood
Irwindale
La Cañada Flintridge
La Habra Heights
Lakewood
La Mirada
Lancaster
La Puente
La Verne
Lawndale
Lomita
Long Beach
Los Angeles
Lynwood
Malibu
Manhattan Beach
Maywood
Monrovia
Montebello
Monterey Park
Norwalk
Palmdale
Palos Verdes Estates
Paramount


Pasadena
Pico Rivera
Pomona
Rancho Palos Verdes
Redondo Beach
Rolling Hills
Rolling Hills Estates
Rosemead
San Dimas
San Fernando
San Gabriel
San Marino
Santa Clarita
Santa Fe Springs
Santa Monica
Sierra Madre
Signal Hill
South El Monte
South Gate
South Pasadena
Temple City
Torrance
Vernon
Walnut
West Covina
West Hollywood
Westlake Village
Whittier
Chowchilla
Madera
Marin
Belvedere
Corte Madera
Fairfax
Larkspur
Mill Valley
Novato
Ross
San Anselmo
San Rafael
Sausalito
Tiburon
Mariposa
Mendocino
Fort Bragg
Point Arena
Ukiah
Willits
Atwater
Dos Palos
Gustine
Livingston
Los Banos
Merced
Modoc
Alturas
Mono
Mammoth Lakes
Carmel-by-the-Sea
Del Rey Oaks
Gonzales
Greenfield
King City
Marina
Monterey
Pacific Grove
Salinas
Sand City
Seaside
Soledad
American Canyon
Calistoga
Napa
St. Helena
Yountville
Nevada
Grass Valley
Nevada City
Truckee
Aliso Viejo
Anaheim
Brea
Buena Park
Costa Mesa
Cypress
Dana Point
Fountain Valley
Fullerton
Garden Grove
Huntington Beach
Irvine
Laguna Beach
Laguna Hills
Laguna Niguel
Laguna Woods
La Habra
Lake Forest
La Palma
Los Alamitos
Mission Viejo
Newport Beach
Orange
Placentia
Rancho Santa Margarita
San Clemente
San Juan Capistrano
Santa Ana
Seal Beach
Stanton
Tustin
Villa Park
Westminster
Yorba Linda
Placer
Auburn
Colfax
Lincoln
Loomis
Rocklin
Roseville
Plumas
Portola
Banning
Beaumont
Blythe
Calimesa
Canyon Lake
Cathedral City
Coachella
Corona
Desert Hot Springs
Eastvale
Hemet
Indian Wells
Indio
Jurupa Valley
Lake Elsinore
La Quinta
Menifee
Moreno Valley
Murrieta
Norco
Palm Desert
Palm Springs
Perris
Rancho Mirage
Riverside
San Jacinto
Temecula
Wildomar
Citrus Heights
Elk Grove
Folsom
Galt
Isleton
Rancho Cordova
Sacramento
San Benito
Hollister
San Juan Bautista
Adelanto
Apple Valley
Barstow
Big Bear Lake
Chino
Chino Hills
Colton
Fontana
Grand Terrace
Hesperia
Highland
Loma Linda


Montclair
Needles
Ontario
Rancho Cucamonga
Redlands
Rialto
San Bernardino
Twentynine Palms
Upland
Victorville
Yucaipa
Yucca Valley
Carlsbad
Chula Vista
Coronado
Del Mar
El Cajon
Encinitas
Escondido
Imperial Beach
La Mesa
Lemon Grove
National City
Oceanside
Poway
San Diego
San Marcos
Santee
Solana Beach
Vista
San Francisco
San Joaquin
Escalon
Lathrop
Lodi
Manteca
Ripon
Stockton
Tracy
Arroyo Grande
Atascadero
El Paso de Robles  
Grover Beach
Morro Bay
Pismo Beach
San Luis Obispo
Atherton
Belmont
Brisbane
Burlingame
Colma
Daly City
East Palo Alto
Foster City
Half Moon Bay
Hills
Menlo Park
Millbrae
Pacifica
Portola Valley
Redwood City
San Bruno
San Carlos
San Mateo
South San Francisco
Woodside
Buellton
Carpinteria
Goleta
Guadalupe
Lompoc
Santa Barbara
Santa Maria
Solvang
Campbell
Cupertino
Gilroy
Los Altos
Los Altos Hills
Los Gatos
Milpitas
Monte Sereno
Morgan Hill
Mountain View
Palo Alto
San Jose
Santa Clara
Saratoga
Sunnyvale
Capitola
Santa Cruz
Scotts Valley
Watsonville
Shasta
Anderson
Redding
Shasta Lake
Sierra
Loyalton
Siskiyou
Dorris
Dunsmuir
Etna
Fort Jones
Montague
Mount Shasta
Tulelake
Weed
Yreka
Solano
Benicia
Dixon
Fairfield
Rio Vista
Suisun City
Vacaville
Vallejo
Cloverdale
Cotati
Healdsburg
Petaluma
Rohnert Park
Santa Rosa
Sebastopol
Sonoma
Windsor
Stanislaus
Ceres
Hughson
Modesto
Newman
Oakdale
Patterson
Riverbank
Turlock
Waterford
Sutter
Live Oak
Yuba City
Corning
Red Bluff
Tehama
Trinity
Dinuba
Exeter
Farmersville
Lindsay
Porterville
Tulare
Visalia
Woodlake
Tuolumne
Sonora
Ventura
Camarillo
Fillmore
Moorpark
Ojai
Oxnard
Port Hueneme
San Buenaventura  
Santa Paula
Simi Valley
Thousand Oaks
Yolo
Davis
West Sacramento
Winters
Woodland
Yuba
Marysville
Wheatland


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