Eligible & Ineligible Repairs for the Streamline 203(k) Rehab Mortgage








Eligible Repairs:

  • Repair or replacement of roofs, gutters, and downspouts
  • Upgrading of your existing HVAC systems
  • Upgrading of your plumbing and electrical systems
  • Repair of Flooring
  • Repair of exterior desks, patios and porches
  • Minor remodeling (no structural repairs)
  • Painting – interior/exterior
  • Weatherization including storm windows/doors, insulation, weather stripping, etc.
  • Purchase & installation of new appliances
  • Lead based paint stabilization or abatement of lead-based paint hazards

Ineligible Repairs:

  • Major rehabilitation
  • New construction including room additions
  • Repair of structural damage
  • Repairs requiring detailed drawings
  • Landscaping or site amenity improvements
  • Any improvement that will take longer than 6 months
  • Rehab activities that include rehab that requires more than 2 payments, architectural plans or exhibits or a plan reviewer, results in work not starting within 30 days of the loan closing or cause the buyer (mortgagor) to be displaced from the property for more than 30 days during the rehab period.  FHA anticipates that the property will be occupied during rehab and finished in 6 months or less.