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Quentin Hardy
Quentin Hardy
(888) 222-4191
Manager National Renovation
NMLS #420639
Newrez LLC
Company NMLS #3013
Hi I’m Quentin, 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.
FHA 203K Renovation & Home Improvement Financing for Purchasing or Refinancing Your Home
Creating The Home You Love STARTS HERE!
Avoid getting your financing denied due to property conditions. Avoid any upfront property repair requirements
Improve your home Size
Improve your home Comfort
Improve your home Value
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, Quentin Hardy, 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.
"Contact me now, to accomplish your goals and plans. I look forward to hearing from you!"
Quentin Hardy
(888) 222-4191
Quentin Hardy is an FHA 203k Lender helping homebuyers, homeowners and real estate agents with their Renovation Loan financing throughout the New York cities below:
Adams
Addison
Afton
Airmont
Akron
Alabama
Albany
Albion
Alden
Alexander
Alexandria
Alexandria Bay
Alfred
Allegany
Allegany Reservation
Allen
Alma
Almond
Altamont
Altona
Amboy
Amenia
Ames
Amherst
Amity
Amityville
Amsterdam
Ancram
Andes
Andover
Angelica
Angola
Annsville
Antwerp
Arcade
Arcadia
Ardsley
Argyle
Arietta
Arkport
Arkwright
Asharoken
Ashford
Ashland
Athens
Atlantic Beach
Attica
Au Sable
Auburn
Augusta
Aurelius
Aurora
Austerlitz
Ava
Avoca
Avon
Babylon
Bainbridge
Baldwin
Baldwinsville
Ballston
Ballston Spa
Bangor
Barker
Barre
Barrington
Barton
Batavia
Bath
Baxter Estates
Bayville
Beacon
Bedford
Beekman
Belfast
Belle Terre
Bellerose
Bellmont
Bellport
Belmont
Bemus Point
Bennington
Benson
Benton
Bergen
Berkshire
Berlin
Berne
Bethany
Bethel
Bethlehem
Big Flats
Binghamton
Birdsall
Black Brook
Black River
Blasdell
Bleecker
Blenheim
Bloomfield
Blooming Grove
Bloomingburg
Bolivar
Bolton
Bombay
Boonville
Boston
Bovina
Boylston
Bradford
Brandon
Brant
Brasher
Brewster
Briarcliff Manor
Bridgewater
Brighton
Brightwaters
Bristol
Broadalbin
Brockport
Brocton
Bronx
Bronxville
Brookfield
Brookhaven
Brookville
Broome
Brownville
Brunswick
Brushton
Brutus
Buchanan
Buffalo
Burdett
Burke
Burlington
Burns
Busti
Butler
Butternuts
Byron
Cairo
Caledonia
Callicoon
Cambria
Cambridge
Camden
Cameron
Camillus
Campbell
Canaan
Canadice
Canajoharie
Canandaigua
Canaseraga
Canastota
Candor
Caneadea
Canisteo
Canton
Cape Vincent
Carlisle
Carlton
Carmel
Caroga
Caroline
Carroll
Carrollton
Carthage
Cassadaga
Castile
Castleton-on-Hudson
Castorland
Catharine
Catlin
Cato
Caton
Catskill
Cattaraugus
Cattaraugus Reservation
Cayuga
Cayuga Heights
Cayuta
Cazenovia
Cedarhurst
Celoron
Centerville
Central Square
Centre Island
Champion
Champlain
Charleston
Charlotte
Charlton
Chateaugay
Chatham
Chaumont
Chautauqua
Chautauqua Lake UT
Chazy
Cheektowaga
Chemung
Chenango
Cherry Creek
Cherry Valley
Chester
Chesterfield
Chestnut Ridge
Chili
Chittenango
Churchville
Cicero
Cincinnatus
Clare
Clarence
Clarendon
Clarks
Clarkson
Clarksville
Claverack
Clay
Clayton
Clayville
Clermont
Cleveland
Clifton
Clifton Park
Clifton Springs
Clinton
Clyde
Clymer
Cobleskill
Cochecton
Coeymans
Cohocton
Cohoes
Colchester
Cold Brook
Cold Spring
Colden
Coldspring
Colesville
Collins
Colonie
Colton
Columbia
Columbus
Concord
Conesus
Conesville
Conewango
Conklin
Conquest
Constable
Constableville
Constantia
Coopers
Copake
Copenhagen
Corfu
Corinth
Corning
Cornwall
Cornwall-on-Hudson
Cortland
Cortlandt
Cortlandville
Cove Neck
Coventry
Covert
Covington
Coxsackie
Crawford
Croghan
Croton-on-Hudson
Crown Point
Cuba
Cuyler
Danby
Dannemora
Dansville
Danube
Darien
Davenport
Day
Dayton
De Kalb
De Peyster
De Witt
DeRuyter
Decatur
Deerfield
Deerpark
Deferiet
Delanson
Delaware
Delevan
Delhi
Denmark
Denning
Depew
Deposit
Dering Harbor
Dexter
Diana
Dickinson
Dix
Dobbs Ferry
Dolgeville
Dover
Dresden
Dryden
Duane
Duanesburg
Dundee
Dunkirk
Durham
Dutchess
Eagle
Earlville
East Aurora
East Bloomfield
East Fishkill
East Greenbush
East Hampton
East Hills
East Nassau
East Otto
East Rochester
East Rockaway
East Syracuse
East Williston
Eastchester
Easton
Eaton
Eden
Edinburg
Edmeston
Edwards
Elba
Elbridge
Elizabeth
Ellenburg
Ellenville
Ellery
Ellicott
Ellicottville
Ellington
Ellisburg
Elma
Elmira
Elmira Heights
Elmsford
Endicott
Enfield
Ephratah
Erie
Erin
Erwin
Esopus
Esperance
Essex
Evans
Evans Mills
Exeter
Fabius
Fair Haven
Fairfield
Fairport
Falconer
Fallsburg
Farmersville
Farmingdale
Farmington
Farnham
Fayette
Fayetteville
Fenner
Fenton
Fine
Fishkill
Fleischmanns
Fleming
Floral Park
Florence
Florida
Flower Hill
Floyd
Fonda
Forestburgh
Forestport
Fort Ann
Fort Covington
Fort Edward
Fort Johnson
Fort Plain
Fowler
Frankfort
Franklin
Franklinville
Fredonia
Free
Freedom
Freeport
Freeville
Fremont
French Creek
Friend
Fulton
Fultonville
Gaines
Gainesville
Galen
Gallatin
Galway
Garden City
Gardiner
Gates
Geddes
Genesee
Genesee Falls
Geneseo
Geneva
Genoa
George
German
German Flatts
Gerry
Ghent
Gilbertsville
Gilboa
Glen
Glen Cove
Glen Park
Glens Falls
Glenville
Gloversville
Gorham
Goshen
Gouverneur
Gowanda
Grafton
Granby
Grand Island
Grand View-on-Hudson
Granger
Granville
Great Neck
Great Neck Estates
Great Neck Plaza
Great Valley
Greece
Green Island
Greenburgh
Greene
Greenfield
Greenport
Greenville
Greenwich
Greenwood
Greenwood Lake
Greig
Groton
Grove
Groveland
Guilderland
Guilford
Hadley
Hagaman
Hague
Halcott
Halfmoon
Hamburg
Hamden
Hamilton
Hamlin
Hammond
Hammondsport
Hampton
Hamptonburgh
Hancock
Hannibal
Hanover
Hardenburgh
Harford
Harmony
Harpersfield
Harriets
Harriman
Harrisburg
Harrison
Hartford
Hartland
Hartsville
Hartwick
Hastings
Hastings-on-Hudson
Haverstraw
Head of the Harbor
Hebron
Hector
Hempstead
Henderson
Henrietta
Herkimer
Hermon
Heuvelton
Hewlett Bay Park
Hewlett Harbor
Hewlett Neck
Highland
Highland Falls
Highlands
Hillburn
Hillsdale
Hilton
Hinsdale
Hobart
Holland
Holland Patent
Holley
Homer
Honeoye Falls
Hoosick
Hoosick Falls
Hope
Hopewell
Hopkinton
Horicon
Hornby
Hornell
Hornellsville
Horseheads
Hounsfield
Howard
Hudson
Hudson Falls
Hume
Humphrey
Hunter
Huntington
Huntington Bay
Hurley
Huron
Hyde Park
Ilion
Independence
Indian Lake
Inlet
Interlaken
Ira
Irondequoit
Irvington
Ischua
Island Park
Islandia
Islip
Italy
Ithaca
Jackson
James
Jasper
Java
Jay
Jefferson
Jeffersonville
Jerusalem
Jewett
Johns
Johnsburg
Johnson City
Jordan
Junius
Kaser
Keene
Kendall
Kenmore
Kensington
Kent
Kiantone
Kinderhook
Kings
Kings Point
Kingsbury
Kingston
Kirkland
Kirkwood
Kiryas Joel
Knox
Kortright
LaFayette
LaGrange
Lackawanna
Lacona
Lake George
Lake Grove
Lake Luzerne
Lake Placid
Lake Pleasant
Lake Success
Lakewood
Lancaster
Lansing
Lapeer
Larchmont
Latting
Laurel Hollow
Laurens
Lawrence
Le Ray
Le Roy
Lebanon
Ledyard
Lee
Leicester
Lenox
Leon
Lewis
Lewisboro
Lewiston
Lexington
Leyden
Liberty
Lima
Lincklaen
Lincoln
Lindenhurst
Lindley
Lisbon
Lisle
Litchfield
Little Falls
Little Valley
Liverpool
Livingston
Livonia
Lloyd
Lloyd Harbor
Locke
Lockport
Lodi
Long Beach
Long Lake
Lorraine
Louisville
Lowville
Lumberland
Lyme
Lynbrook
Lyndon
Lyndonville
Lyons
Lyons Falls
Lyonsdale
Lysander
Macedon
Machias
Macomb
Madison
Madrid
Maine
Malone
Malta
Malverne
Mamakating
Mamaroneck
Manchester
Manheim
Manlius
Mannsville
Manorhaven
Mansfield
Marathon
Marble
Marcellus
Marcy
Margaretville
Marilla
Marion
Marl
Marshall
Martinsburg
Maryland
Masonville
Massapequa Park
Massena
Matinecock
Maybrook
Mayfield
Mayville
McDonough
McGraw
Mechanicville
Medina
Menands
Mendon
Mentz
Meredith
Meridian
Mexico
Middle
Middleburgh
Middlebury
Middlefield
Middleport
Middlesex
Middleville
Milan
Milford
Mill Neck
Millbrook
Millerton
Millport
Milo
Milton
Mina
Minden
Mineola
Minerva
Minetto
Minisink
Minoa
Mohawk
Moira
Monroe
Montague
Montebello
Montezuma
Montgomery
Monticello
Montour
Montour Falls
Mooers
Moravia
Moreau
Morehouse
Moriah
Morris
Morrisville
Mount Hope
Mount Kisco
Mount Morris
Mount Pleasant
Mount Vernon
Munnsville
Munsey Park
Murray
Mutton
Nanticoke
Naples
Napoli
Nassau
Nelliston
Nelson
Nelsonville
Neversink
New Albion
New Baltimore
New Berlin
New Bremen
New Castle
New Hartford
New Haven
New Hempstead
New Hudson
New Hyde Park
New Lebanon
New Lisbon
New Paltz
New Rochelle
New Scotland
New Square
New Windsor
New York
New York Mills
Newark
Newark Valley
Newburgh
Newcomb
Newfane
Newfield
Newport
Newstead
Niagara
Niagara Falls
Nichols
Niles
Niskayuna
Nissequogue
Norfolk
North Castle
North Collins
North Dansville
North East
North Elba
North Greenbush
North Harmony
North Haven
North Hempstead
North Hills
North Hornell
North Hudson
North Norwich
North Salem
North Syracuse
North Tonawanda
Northampton
Northport
Northumberland
Northville
Norway
Norwich
Norwood
Nunda
Nyack
Oakfield
Ocean Beach
Odessa
Ogden
Ogdensburg
Ohio
Oil Springs Reservation
Old Brookville
Old Field
Old Westbury
Olean
Olive
Oneida
Oneida Castle
Oneonta
Onondaga
Onondaga Nation Reservation
Ontario
Oppenheim
Orange
Orangeville
Orchard Park
Oriskany
Oriskany Falls
Orleans
Orwell
Osceola
Ossian
Ossining
Oswegatchie
Oswego
Otego
Otisco
Otisville
Otsego
Otselic
Otto
Ovid
Owasco
Owego
Oxford
Oyster Bay
Oyster Bay Cove
Painted Post
Palatine
Palatine Bridge
Palermo
Palm Tree
Palmyra
Pamelia
Panama
Paris
Parish
Parishville
Parma
Patchogue
Patterson
Pavilion
Pawling
Peekskill
Pelham
Pelham Manor
Pembroke
Pendleton
Penfield
Penn Yan
Perinton
Perry
Perrysburg
Persia
Perth
Peru
Petersburgh
Pharsalia
Phelps
Philadelphia
Philips
Philmont
Phoenix
Piercefield
Piermont
Pierrepont
Pike
Pinckney
Pine Plains
Pitcairn
Pitcher
Pitts
Pittsfield
Pittsford
Plainfield
Plandome
Plandome Heights
Plandome Manor
Plattekill
Plattsburgh
Pleasant Valley
Pleasantville
Plymouth
Poestenkill
Poland
Pomfret
Pomona
Pompey
Poospatuck Reservation
Poquott
Port Byron
Port Chester
Port Dickinson
Port Jefferson
Port Jervis
Port Leyden
Port Washington North
Portage
Porter
Portland
Portville
Potsdam
Potter
Poughkeepsie
Pound Ridge
Prattsburgh
Prattsville
Preble
Preston
Prince
Providence
Pulaski
Pulteney
Putnam
Putnam Valley
Queens
Queensbury
Quogue
Ramapo
Randolph
Rathbone
Ravena
Reading
Red Creek
Red Hook
Red House
Redfield
Remsen
Rensselaer
Rensselaer Falls
Rensselaerville
Rhinebeck
Richburg
Richfield
Richfield Springs
Richford
Richland
Richmond
Richmondville
Richville
Ridgeway
Riga
Ripley
Riverhead
Riverside
Rochester
Rockland
Rockville Centre
Rodman
Rome
Romulus
Root
Rose
Roseboom
Rosendale
Roslyn
Roslyn Estates
Roslyn Harbor
Rossie
Rotterdam
Round Lake
Rouses Point
Roxbury
Royalton
Rush
Rushford
Rushville
Russell
Russell Gardens
Russia
Rutland
Rye
Rye Brook
Sackets Harbor
Saddle Rock
Sag Harbor
Sagaponack
Salamanca
Salem
Salina
Salisbury
Saltaire
Sand Lake
Sands Point
Sandy Creek
Sanford
Sangerfield
Santa Clara
Saranac
Saranac Lake
Saratoga
Saratoga Springs
Sardinia
Saugerties
Savannah
Savona
Scarsdale
Schaghticoke
Schenectady
Schodack
Schoharie
Schroeppel
Schroon
Schuyler
Schuyler Falls
Schuylerville
Scio
Scipio
Scotia
Scott
Scottsville
Scriba
Sea Cliff
Sempronius
Seneca
Seneca Falls
Sennett
Seward
Shandaken
Sharon
Sharon Springs
Shawangunk
Shelby
Sheldon
Shelter Island
Sherburne
Sheridan
Sherman
Sherrill
Shinnecock Reservation
Shoreham
Shortsville
Sidney
Silver Creek
Silver Springs
Sinclairville
Skaneateles
Sleepy Hollow
Sloan
Sloatsburg
Smith
Smithfield
Smithville
Smyrna
Sodus
Sodus Point
Solon
Solvay
Somers
Somerset
South Blooming Grove
South Bristol
South Corning
South Dayton
South Floral Park
South Glens Falls
South Nyack
South Valley
Southampton
Southeast
Southold
Southport
Spafford
Sparta
Speculator
Spencer
Spencerport
Spring Valley
Springfield
Springport
Springville
Springwater
St. Armand
St. Johnsville
St. Lawrence
St. Regis Mohawk Reservation
Stafford
Stamford
Stanford
Stark
Starkey
Stephen
Sterling
Steuben
Stewart Manor
Stillwater
Stockbridge
Stockholm
Stockport
Stockton
Stony Creek
Stony Point
Stratford
Stuyvesant
Suffern
Suffolk
Sullivan
Summerhill
Summit
Sweden
Sylvan Beach
Syracuse
Taghkanic
Tannersville
Tarry
Taylor
Theresa
Thomaston
Thompson
Throop
Thurman
Thurston
Ticonderoga
Tioga
Tivoli
Tompkins
Tonawanda
Tonawanda Reservation
Torrey
Trenton
Triangle
Troupsburg
Troy
Trumansburg
Truxton
Tuckahoe
Tully
Tupper Lake
Turin
Tuscarora
Tuscarora Nation Reservation
Tusten
Tuxedo
Tuxedo Park
Tyre
Tyrone
Ulster
Ulysses
Unadilla
Union
Union Springs
Union Vale
Unionville
Upper Brookville
Upper Nyack
Urbana
Utica
Valatie
Valley Falls
Valley Stream
Van Buren
Van Etten
Varick
Venice
Vernon
Verona
Vestal
Veteran
Victor
Victory
Vienna
Village of the Branch
Villenova
Virgil
Volney
Voorheesville
Waddington
Walden
Wales
Wallkill
Walton
Walworth
Wampsville
Wappinger
Wappingers Falls
Ward
Warren
Warrensburg
Warsaw
Warwick
Washington
Washingtonville
Water
Waterford
Waterloo
Waterville
Watervliet
Watkins Glen
Watson
Waverly
Wawarsing
Wawayanda
Wayland
Wayne
Webb
Webster
Weedsport
Wells
Wellsburg
Wellsville
Wesley Hills
West Almond
West Bloomfield
West Carthage
West Hampton Dunes
West Haverstraw
West Monroe
West Seneca
West Sparta
West Turin
West Union
West Winfield
Westbury
Westchester
Westerlo
Western
Westfield
Westford
Westhampton Beach
Westmoreland
Westport
Westville
Wethersfield
Wheatfield
Wheatland
Wheeler
White Creek
White Plains
Whitehall
Whites
Whitesboro
Whitney Point
Willet
Williams
Williamson
Williamsville
Willing
Williston Park
Willsboro
Wilmington
Wilna
Wilson
Wilton
Windham
Windsor
Winfield
Wirt
Wolcott
Woodbury
Woodhull
Woodridge
Woodsburgh
Woodstock
Worcester
Worth
Wright
Wurtsboro
Wyoming
Yates
Yonkers
York
Yorkshire
Yorkville
Youngs