Kansas Fixer-Upper Financing (FHA 203k & HomeStyle)

Financing a Kansas home that needs work is possible through FHA 203(k) or Fannie Mae HomeStyle — both roll the purchase and renovation costs into one mortgage.

Start Pre-Approval (620) 860-4480

Quick answer

Financing a Kansas home that needs work is possible through FHA 203(k) or Fannie Mae HomeStyle — both roll the purchase and renovation costs into one mortgage.

What Kansas buyers in this situation should know

FHA 203(k) Limited: up to $35,000 in non-structural repairs. Good for cosmetic refreshes and minor systems work.
FHA 203(k) Standard: structural work, additions, major systems. Requires a HUD consultant.
Fannie Mae HomeStyle: conventional renovation loan, more flexible for investors and second homes.
All three finance the after-improved appraised value — so the loan amount can exceed the as-is purchase price.
Timelines extend: typical renovation loan close is 45-60 days vs. 21-30 for standard purchase. Contractor selection and draw schedule add complexity we manage for you.

Next step

Scenarios get complicated. Start a pre-approval and Radley reviews your specific file, documents, and credit — personally. Or call (620) 860-4480 for a 15-minute no-credit-pull conversation.

Kansas Fixer-Upper Financing (FHA 203k & HomeStyle)

What Kansas buyers in this situation should know

Next step

Every scenario is a real number — after a real pre-approval.