How to become a Certified 203k Contractor®

The accreditation process of becoming a Certified 203k Contractor® requires that the contractor meets FHA minimum requirements, completes the 203k education course, and verification of license, insurance, working capital, and residential remodeling experience.

The Certified 203k Contractor® accreditation is the validation that your company possesses the necessary 203k knowledge, financial resources, and ability to properly and efficiently complete FHA 203k projects within federal guidelines and state banking regulations.

Being a Certified 203k Contractor® means that you will get access to the thousands of FHA 203k projects available and that you will know:

  • the FHA 203k guidelines,
  • the FHA 203k different versions,
  • the FHA 203k compliant proposal format,
  • the FHA 203k unique pricing structure,
  • the FHA 203k forms/paperwork,
  • the FHA 203k specific timelines & deadlines,
  • the FHA 203k payment/draw process,
  • the FHA 203k change order process.

You are on your way to receiving the recognition and access to the FHA 203k projects that your company deserves by becoming a Certified 203k Contractor®.

The enrollment fee is $975. Contractors meeting certain criteria will receive an enrollment code for a discount ranging from $75 – $400 off.

Answer the qualifying questions below to learn if you qualify and which discount you are entitled to receive.

Certified 203k Contractor Logo

Certified 203k Contractor® Qualifying & Enrollment Form

  • Answering the 5 qualifying questions will take 30 seconds.
  • If approved, you will proceed to complete the Enrollment Form will take approximately 10 minutes.
  • The entire 203k Contractor Certification Program can be completed in as few as 15 hours but contractors are permitted up to 30 calendar days.

Page 1 - Answer Qualifying Questions
(If you meet the minimum qualification, you will proceed to Page 2)
Page 2 - Contractor Information
Page 3 - Contractor Credentials
Page 4 - References/Experience Requirements
Page 5 - Working Capital Requirements
Page 6 - Timelines/Deadlines
Page 7 - Education Course Info
Page 8 - Review/Submit

Answer 5 Qualifying Questions

1) Does your company meet the license/registration* requirement for the area(s) it services?
*Some cities, towns, counties, states do not require a license/registration
2) Does your company have an active General Liability Insurance policy of at least $1,000,000?
3) Can your company provide a minimum of 3 residential homeowner customers who hired your company directly during the previous 12 months?
4) Can you complete a 15 hour online course in the next 30 days to earn the accreditation?
5) Does your company have $15,000 working capital* to start a small-medium project ($75k max) with no deposits from the customer?
*Working Capital definition: any combination of cash reserves and/or lines of credit, such as credit cards, building suppliers, etc.
BONUS Question #1
6) Does your company have $30,000 working capital* to start a medium-large project ($75k+) with no deposits from the customer?
*Working Capital definition: any combination of cash reserves and/or lines of credit, such as credit cards, building suppliers, etc.
BONUS Question #2
7) Will your company be the only Certified 203k Contractor® within 50 miles of your service area?
Go to the 'Find 203k Contractors page to verify
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