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PERRY
FARELLA
Perry Farella
(888) 280-5654
203K & Conventional Renovation Specialist
NMLS #755943
First Community Mortgage
Company NMLS #629700
Approving Loans Since 2002!
Hi I’m Perry, 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. Also Conventional HomeStyle, Choice and VA renovation loan options.
FHA 203K Renovation & Home Improvement Financing for Purchasing or Refinancing Your Home
This Loan Option allows you to buy your fixer upper "As Is" and Rehab it with a minimal down payment. Having this advantage can create a great opportunity for you.
This refinancing loan option allows you the maximum home improvement funds you need to make your home the best it can be.
Combine your home improvement funds with your purchase or refinance loan to Renovate, Repair, Rehab, or Remodel your property all at the same time.
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!
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, Perry Farella, your dedicated 203K Lender, for all the detailed information you need
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!
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.
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.
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.
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
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!
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.
Not all FHA Lenders or loan officers have the expertise to handle an FHA 203K Loan. Don’t take a chance, talk to the 203K Specialist who can do FHA 203K Renovation loans as well as standard FHA loans.
With Decades of Experience specializing in the 203k as well as other renovation type loans you'll be in good hands from beginning to end!
Contact Perry Farella, your EXPERT in FHA 203K Loans.
Let's get your home renovation project started!
My direct number!
My personal email!
Perry Farella is an FHA 203k Lender helping homebuyers, homeowners and real estate agents with their Renovation Loan financing throughout the Missouri cities below:
Adair
Adams
Adrian
Advance
Agency
Airport Drive
Alba
Albany
Aldrich
Alexandria
Allendale
Allenville
Alma
Altamont
Altenburg
Alton
Amazonia
Amity
Amoret
Amsterdam
Anderson
Andrew
Annada
Annapolis
Anniston
Appleton City
Arbela
Arbyrd
Arcadia
Archie
Arcola
Argyle
Arkoe
Armstrong
Arnold
Arrow Point
Arrow Rock
Asbury
Ash Grove
Ashland
Atchison
Athens
Atlanta
Audrain
Augusta
Aullville
Aurora
Auxvasse
Ava
Avilla
Avondale
Bacon
Badger
Bagnell
Baker
Bakersfield
Baldwin Park
Ballwin
Baring
Barnard
Barnett
Barry
Barton
Barton City
Bates
Bates City
Battlefield
Bear Creek
Bee Branch
Bel-Nor
Bel-Ridge
Bell City
Bella Villa
Belle
Bellefontaine Neighbors
Bellerive Acres
Bellflower
Belton
Benton
Benton City
Berger
Berkeley
Bernie
Bertrand
Bethany
Bethel
Bethlehem
Beverly Hills
Bevier
Big Creek
Big Lake
Bigelow
Billings
Birch Tree
Birmingham
Bismarck
Black Jack
Blackburn
Blackwater
Blairs
Bland
Blodgett
Bloomfield
Bloomsdale
Blue Eye
Blue Mound
Blue Springs
Blythedale
Bogard
Bogle
Bolckow
Bolivar
Bollinger
Bonne Terre
Boone
Boonville
Bosworth
Bourbon
Bowling Green
Bragg City
Brandsville
Branson
Branson West
Brashear
Braymer
Breckenridge
Breckenridge Hills
Brentwood
Bridgeton
Brimson
Bronaugh
Brookfield
Brooklyn Heights
Browning
Brownington
Brumley
Brunswick
Buchanan
Bucklin
Buckner
Buffalo
Bull Creek
Bunceton
Bunker
Burdine
Burlington Junction
Butler
Butterfield
Byrnes Mill
Cabool
Cainsville
Cairo
Caldwell
Caledonia
Calhoun
California
Callao
Callaway
Calverton Park
Camden
Camden Point
Camdenton
Cameron
Campbell
Canalou
Canton
Cape Girardeau
Cardwell
Carl Junction
Carroll
Carrollton
Carter
Carterville
Carthage
Caruthersville
Cary
Cass
Cassville
Castor
Catron
Cave
Cedar
Cedar Hill Lakes
Center
Centerview
Centerville
Central
Centralia
Chaffee
Chain of Rocks
Chain-O-Lakes
Chamois
Champ
Chariton
Charlack
Charleston
Charlotte
Charmwood
Chesterfield
Chilhowee
Chillicothe
Christian
Chula
City
Clarence
Clark
Clarksburg
Clarksdale
Clarkson Valley
Clarksville
Clarkton
Clay
Claycomo
Clayton
Clear Creek
Clearmont
Cleveland
Clever
Cliff Village
Clifton Hill
Clinton
Clyde
Coal
Cobalt
Cockrell
Coffey
Cole
Cole Camp
Colfax
Collins
Columbia
Combs
Commerce
Conception Junction
Concordia
Coney Island
Conway
Cool Valley
Cooper
Cooter
Corder
Corning
Cosby
Cottleville
Cotton Hill
Country Club
Country Club Hills
Country Life Acres
Cowgill
Craig
Crane
Crawford
Cream Ridge
Creighton
Crestwood
Creve Coeur
Crocker
Cross Timbers
Crystal City
Crystal Lake Park
Crystal Lakes
Cuba
Cunningham
Current
Curryville
Cypress
Dade
Dadeville
Dallas
Dalton
Dardenne Prairie
Darlington
Date
Daviess
Davis
De Kalb
De Soto
De Witt
DeKalb
Dearborn
Deepwater
Deer Creek
Deerfield
Dellwood
Delta
Dennis Acres
Dent
Denver
Des Arc
Des Peres
Desloge
Dexter
Diamond
Diehlstadt
Diggins
Dixon
Doniphan
Doolittle
Douglas
Dover
Downing
Doylesport
Drexel
Drywood
Duck Creek
Dudley
Duenweg
Dunklin
Duquesne
Eagleville
East Boone
East Lynne
East Prairie
Easton
Edgar Springs
Edgerton
Edina
Edmundson
Egypt
El Dorado Springs
Eldon
Elk
Elkhart
Ellington
Ellisville
Ellsinore
Elm
Elmer
Elmira
Elmo
Elsberry
Emerald Beach
Eminence
Emma
Enterprise
Eolia
Essex
Ethel
Eugene
Eureka
Evergreen
Everton
Ewing
Excelsior Estates
Excelsior Springs
Exeter
Fair Grove
Fair Play
Fairfax
Fairfield
Fairview
Farber
Farley
Farmington
Fayette
Fenton
Ferguson
Ferrelview
Festus
Festus
Fields Creek
Fillmore
Fisk
Fleming
Flemington
Flint Hill
Flordell Hills
Florissant
Foley
Fordland
Forest City
Foristell
Forsyth
Fortescue
Foster
Fountain N' Lakes
Fox Creek
Frankford
Franklin
Frederick
Freeborn
Freeburg
Freeman
Freistatt
Fremont Hills
Friedenswald
Frohna
Frontenac
Fulton
Gainesville
Galena
Gallatin
Galt
Garden City
Gasconade
Gentry
Gerald
Gerster
Gibbs
Gideon
Gilliam
Gilman City
Ginger Blue
Gladstone
Glasgow
Glen Allen
Glen Echo Park
Glenaire
Glendale
Glenwood
Golden City
Gomer
Goodman
Gordonville
Gower
Graham
Grain Valley
Granby
Grand Falls Plaza
Grand Pass
Grand River
Grandin
Grandview
Granger
Grant
Grant City
Grantsville
Grantwood Village
Gravois Mills
Green
Green City
Green Park
Green Ridge
Greencastle
Greendale
Greene
Greenfield
Greentop
Greenville
Greenwood
Grundy
Guilford
Gunn City
Hale
Halfway
Hall
Hallsville
Hamilton
Hanley Hills
Hannibal
Hardin
Harris
Harrisburg
Harrison
Harrisonville
Hartsburg
Hartville
Harwood
Hawk Point
Hayti
Hayti Heights
Haywood City
Hazelwood
Henrietta
Henry
Herculaneum
Hermann
Hermitage
Hickory
Higbee
Higginsville
High Hill
Highlandville
Hill
Hillsboro
Hillsdale
Hoberg
Holcomb
Holden
Holland
Holliday
Hollister
Holt
Holts Summit
Homer
Homes
Homestead
Honey Creek
Hopkins
Hornersville
Houston
Houston Lake
Houstonia
Howard
Howardville
Howell
Hudson
Huggins
Hughes
Hughesville
Humansville
Hume
Humphreys
Hunnewell
Huntleigh
Huntsdale
Huntsville
Hurdland
Hurley
Hurricane
Iatan
Iberia
Independence
Indian Point
Innsbrook
Ionia
Irena
Iron
Iron Mountain Lake
Irondale
Ironton
Jackson
Jacksonville
James
Jameson
Jamesport
Jane
Jasper
Jefferson
Jefferson City
Jennings
Jerico Springs
Johnson
Jonesburg
Joplin
Josephville
Junction City
Kahoka
Kansas City
Kearney
Kelso
Kennett
Keytesville
Kidder
Kimberling City
Kimmswick
King City
Kingdom City
Kingston
Kingsville
Kinloch
Kirbyville
Kirksville
Kirkwood
Knob Noster
Knox
Knox City
Koshkonong
La Belle
La Grange
La Monte
La Plata
La Russell
Laclede
Laddonia
Ladue
Lafayette
Lake
Lake Annette
Lake Lafayette
Lake Lotawana
Lake Ozark
Lake St. Louis
Lake Tapawingo
Lake Tekakwitha
Lake Waukomis
Lake Winnebago
Lakeshire
Lamar
Lamar Heights
Lanagan
Lancaster
Laredo
Lathrop
Laurie
Lawrence
Lawson
Leadington
Leadwood
Leasburg
Leawood
Lebanon
Lee's Summit
Leesville
Leeton
Leonard
Leroy
Leslie
Levasy
Lewis
Lewis and Clark Village
Lexington
Liberal
Liberty
Licking
Lilbourn
Lincoln
Lindley
Linn
Linn Creek
Linneus
Livingston
Livonia
Loch Lloyd
Lock Springs
Lockwood
Locust Creek
Lohman
Loma Linda
Lone Jack
Lone Oak
Long
Louisburg
Louisiana
Lowry City
Lucerne
Ludlow
Lupus
Luray
Lynch
Macon
Madison
Maitland
Malden
Malta Bend
Manchester
Mansfield
Maplewood
Marble Hill
Marceline
Maries
Marion
Marionville
Marl
Marquand
Marshall
Marshfield
Marston
Marthasville
Martinsburg
Maryland Heights
Maryville
Matthews
Maysville
Mayview
McBaine
McCord Bend
McDonald
McFall
McKittrick
Meadville
Medicine
Memphis
Mendon
Mercer
Merriam Woods
Merwin
Meta
Metz
Mexico
Miami
Middle
Milan
Milford
Mill Spring
Millard
Miller
Milo
Mindenmines
Miner
Mineral Point
Mingo
Mirabile
Miramiguoa Park
Mississippi
Missouri City
Moberly
Mokane
Moline Acres
Monett
Moniteau
Monroe
Monroe City
Montevallo
Montgomery
Montgomery City
Monticello
Montrose
Mooresville
Morehouse
Morgan
Morley
Morris
Morrison
Morrisville
Mosby
Moscow Mills
Moss Creek
Mound
Mound City
Moundville
Mount Leonard
Mount Moriah
Mount Pleasant
Mount Vernon
Mountain Grove
Mountain View
Musselfork
Myers
Napoleon
Nashville
Naylor
Neck City
Neelyville
Nelson
Neosho
Nevada
New
New Bloomfield
New Cambria
New Florence
New Franklin
New Hampton
New Haven
New Home
New Lisbon
New London
New Madrid
New Melle
New York
Newark
Newburg
Newport
Newton
Newtonia
Niangua
Nixa
Nodaway
Noel
Norborne
Normandy
North Kansas City
North Lilbourn
North Salem
Northfork
Northmoor
Northwoods
Norwood
Norwood Court
Novelty
Novinger
O'Fallon
Oak Grove
Oak Grove Village
Oak Ridge
Oakland
Oaks
Oakview
Oakwood
Oakwood Park
Odessa
Old Appleton
Old Monroe
Olean
Olivette
Olympian Village
Oran
Oregon
Oronogo
Orrick
Osage
Osage Beach
Osborn
Osceola
Osgood
Otterville
Overland
Owensville
Ozark
Pacific
Pagedale
Palmyra
Paris
Park Hills
Parkdale
Parkville
Parkway
Parma
Parnell
Parson Creek
Pasadena Hills
Pasadena Park
Pascola
Passaic
Pattonsburg
Paynesville
Peaceful Village
Peculiar
Pemiscot
Pendleton
Penermon
Perry
Perryville
Pettis
Pevely
Phelps
Phillipsburg
Pickering
Piedmont
Pierce
Pierce City
Pierpont
Pike
Pilot Grove
Pilot Knob
Pine Lawn
Pineville
Piney
Plato
Platte
Platte City
Platte Woods
Plattsburg
Pleasant Gap
Pleasant Hill
Pleasant Hope
Pleasant Valley
Pocahontas
Polk
Pollock
Polo
Poplar Bluff
Portage Des Sioux
Portageville
Potosi
Powersville
Prairie
Prairie Home
Prathersville
Preston
Princeton
Pulaski
Purcell
Purdin
Purdy
Putnam
Puxico
Queen City
Qulin
Ralls
Randolph
Ravanna
Ravenwood
Ray
Raymondville
Raymore
Rea
Redings Mill
Reeds
Reeds Spring
Renick
Rensselaer
Republic
Revere
Reynolds
Rhineland
Rich Hill
Richards
Richland
Richmond
Richmond Heights
Ridge
Ridgely
Ridgeway
Ripley
Risco
Ritchey
River Bend
Riverside
Riverview
Riverview Estates
Rives
Rocheport
Rock Hill
Rock Port
Rockaway Beach
Rockford
Rockville
Rogersville
Rolla
Roscoe
Rosebud
Rosendale
Rothville
Roubidoux
Rush Hill
Rushville
Russellville
Rutledge
Saddlebrooke
Saginaw
Salem
Saline
Salisbury
Salt Creek
Sampsel
Sarcoxie
Sargent
Savannah
Schell City
Schuyler
Scotland
Scotsdale
Scott
Scott City
Sedalia
Sedgewickville
Seligman
Senath
Seneca
Seymour
Shannon
Shawnee
Shelbina
Shelby
Shelbyville
Sheldon
Sheridan
Sherman
Sherrill
Shoal Creek Drive
Shoal Creek Estates
Shrewsbury
Sibley
Sikeston
Silex
Skidmore
Slater
Smithton
Smithville
Somerset
South Gifford
South Gorin
South Greenfield
South Lineville
South West
Southwest City
Sparta
Spickard
Springfield
Spruce
St. Ann
St. Charles
St. Clair
St. Cloud
St. Elizabeth
St. Francois
St. James
St. John
St. Joseph
St. Louis
St. Martins
St. Mary
St. Paul
St. Peters
St. Robert
St. Thomas
Stanberry
Stark City
Ste. Genevieve
Steele
Steelville
Stella
Stewartsville
Stockton
Stoddard
Stokes Mound
Stone
Stotesbury
Stotts City
Stoutland
Stoutsville
Stover
Strafford
Strasburg
Sturgeon
Sugar Creek
Sugartree
Sullivan
Summersville
Summit
Sumner
Sunrise Beach
Sunset Hills
Sweet Springs
Sycamore Hills
Syracuse
Tallapoosa
Taney
Taneyville
Taos
Tarkio
Taylor
Tebo
Texas
Thayer
Theodosia
Three Creeks
Tightwad
Tina
Tindall
Tipton
Town and Country
Tracy
Trail Creek
Trenton
Trimble
Triplett
Trotter
Troy
Truesdale
Truxton
Turney
Tuscumbia
Twin Oaks
Umber View Heights
Union
Union Star
Unionville
Unity Village
University City
Uplands Park
Upton
Urbana
Urich
Utica
Valley Park
Van Buren
Van Horn
Vandalia
Vandiver
Vanduser
Velda City
Velda Village Hills
Vernon
Verona
Versailles
Viburnum
Vienna
Village of Four Seasons
Vinita Park
Virgil
Vista
Waco
Wakenda
Walker
Walnut
Walnut Grove
Wardell
Wardsville
Warren
Warrensburg
Warrenton
Warsaw
Warson Woods
Washburn
Washington
Watson
Waverly
Wayland
Wayne
Waynesville
Weatherby
Weatherby Lake
Weaubleau
Webb City
Webster
Webster Groves
Weldon Spring
Weldon Spring Heights
Wellington
Wellston
Wellsville
Wentworth
Wentzville
West Alton
West Boone
West Line
West Plains
West Point
West Sullivan
Westboro
Weston
Westphalia
Westwood
Wheatland
Wheaton
Wheeling
White Cloud
White Oak
Whiteside
Whitewater
Wilbur Park
Wildwood
Willard
Williamsville
Willow Springs
Wilson
Wilson City
Winchester
Windsor
Windsor Place
Winfield
Winona
Winston
Wood Heights
Woodson Terrace
Wooldridge
Worth
Worthington
Wright
Wright City
Wyaconda
Wyatt
Yellow Creek
York