Professional resource

Renovation Professional Directory

A directory of independent FHA 203(k) consultants and renovation contractors available by service area. Credentials, licensing, and HUD roster status should always be independently verified before engaging any provider.

Find the Right Renovation Professional

Renovation financing programs — particularly FHA 203(k) — require specific professionals at different stages of the transaction. Understanding which type of professional you need, and what credentials to look for, is the first step toward a successful renovation loan.

This directory lists independent professionals by service area. Listings are provided for informational purposes only. See the disclaimer below for important limitations.

Consultants vs. Contractors

FHA 203(k) Consultant

An FHA 203(k) consultant is a HUD-approved professional who performs the feasibility study, prepares the work write-up and cost estimate, and conducts draw inspections throughout the renovation. A consultant is required on Standard 203(k) loans and optional on Limited 203(k) loans.

→Must appear on HUD’s active Consultant Roster
→Provides independent oversight — not an advocate for the borrower or contractor
→Fees are typically financed into the loan

Renovation Contractor

A renovation contractor performs the physical work. For FHA 203(k) and conventional renovation loans, contractors must meet specific licensing, insurance, and documentation requirements set by the lender and the applicable program guidelines.

→Must carry required licensing for the state and trade
→General liability and workers’ compensation insurance typically required
→Must submit a detailed bid and signed contractor agreement

Directory listings

No professionals are listed yet.

This directory is being built. Qualified FHA 203(k) consultants and renovation contractors may request consideration for a listing using the application section below.

How to Evaluate an FHA 203(k) Consultant

Not all consultants on HUD’s roster are equally experienced. Before engaging a consultant, consider the following:

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Verify active HUD roster status
Use HUD’s official lookup tool to confirm the consultant currently appears on the active FHA 203(k) Consultant Roster. Roster placement can lapse. A consultant’s presence in this directory does not substitute for that verification.
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Ask about program experience
Distinguish between Standard 203(k) and Limited 203(k) experience. Standard loans involve structural work, multiple draws, and more complex write-ups. Ask how many of each the consultant has completed in the past 12 months.
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Confirm geographic familiarity
Local knowledge of construction costs, permit requirements, and contractor availability in your market is valuable. Ask whether the consultant regularly works in your county or metro area.
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Understand the fee structure
HUD publishes a maximum consultant fee schedule. Confirm the fee upfront and verify it is within HUD guidelines. Fees are typically financed into the loan.
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Clarify the scope of services
A consultant prepares the work write-up and performs draw inspections. They do not manage the contractor, guarantee the work, or advocate for the borrower. Confirm what is and is not included.

How to Evaluate a Renovation Contractor

Lenders have specific contractor requirements for renovation loans. Selecting a contractor who understands the draw process and documentation requirements will reduce delays.

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Verify state licensing
Confirm the contractor holds a current, active license for the required trade in the state where the property is located. License requirements vary by state and trade.
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Confirm insurance coverage
Most renovation loan programs require the contractor to carry general liability insurance and workers’ compensation coverage. Request current certificates of insurance and verify the coverage amounts meet lender requirements.
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Ask about renovation loan experience
Contractors unfamiliar with the draw process — where funds are released in stages after inspections — can cause significant delays. Ask specifically about prior FHA 203(k) or HomeStyle® project experience.
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Review the bid carefully
The contractor’s bid must be detailed enough to satisfy the lender and, on Standard 203(k) loans, the consultant. Line-item pricing, material specifications, and a realistic timeline are expected.
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Check references
Ask for references from recent renovation loan projects specifically, not just general remodeling work. The documentation and inspection requirements are different.

Official HUD Consultant Lookup

HUD maintains the authoritative FHA 203(k) Consultant Roster. Any consultant working on an FHA 203(k) loan must appear on this roster at the time of engagement. Roster status can change; always verify directly with HUD regardless of any directory listing.

HUD official resource

FHA 203(k) Consultant Roster Lookup

Search by name, state, or HUD Consultant ID to verify current active roster status.

Search HUD Consultant Roster →

Important: HUD roster placement does not constitute a HUD endorsement or warranty of the consultant’s work quality or professional conduct.

Lenders may have additional requirements beyond HUD roster status. Confirm consultant eligibility with your lender before engaging any provider.

Are you a renovation professional?

Request Consideration for the Directory

Are you an experienced renovation contractor or FHA 203(k) consultant? Contact us to request consideration for the directory. Submission does not guarantee inclusion. Listings are provided at our discretion and subject to review.

Independent-Provider Disclaimer

The professionals listed in this directory are independent providers and are not employees, agents or representatives of The King of Reno or the originating lender. A listing is provided for informational purposes and does not constitute an endorsement, warranty or guarantee of services. Consumers are free to select any eligible provider and should independently verify licensing, insurance, credentials, references, availability, pricing and current HUD roster status when applicable. The use of any professional remains subject to lender, program and applicable legal requirements.

Related Resources

FHA 203(k) Consultant Requirements

What HUD requires of 203(k) consultants and what to expect from the consultation process.

Renovation Loan Contractor Requirements

Licensing, insurance, bid, and documentation requirements for contractors on renovation loans.

FHA 203(k) Loan Requirements

Borrower eligibility, property requirements, and program guidelines for FHA 203(k) loans.

Contact

Submit your deal scenario and get renovation financing guidance from an experienced lender.

Renovation financing

Ready to Structure Your Renovation Loan?

Finding the right professionals is one part of a successful renovation loan. The other is working with a lender who understands the programs. Submit your scenario and get guidance on FHA 203(k), HomeStyle®, CHOICERenovation®, and other renovation financing options.

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