my 203k team sacramento
Making YOUR dream come true
Taking your dream and putting into action
If you are considering a new home or an investment property, we can be a very good asset. This morning, 12/3/2021 we received a call from a potential investor who was happily surprised to see that you can take 5-8 units and convert them to 3 living units and an office without likely changing the zoning. Yes, you must live in it for a while but it is a great way to get into investment property. You can also take a free standing commercial building and add residential to it with the FHA 203k loan guarantee program. We also discussed taking a warehouse and making it "live/work". There are so many things you can do with this program that you merely need to apply your imagination.
8/14/2025 In this renovation world things are changing at a faster pace than ever. HUD FHA 203k consultants are more in demand than ever. We have associate offices all over the USA and can assist you with your projects wherever they may be.
Many times our clients can gain 20-30% equity and more with their new home purchase. We also consult for the Fannie Mae HomeStyle® Renovation Mortgage and have since they first offered in back in the 1990's. We were first on the scene.
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We are available to "discuss your project" for FREE about the possibilities that you might look into. This is our passion and it is never an imposition to discuss your future purchase.
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About Lando
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Whatever you need, a feasibility report, consultation, and get your FGE at the same time. (Good Faith Estimate)
Order a consultationLando Matthews
Let me start by saying you are in good hands! I have been a certified HUD consultant servicing Northern California, the Central Valley & the Bay Area for the past eight years. I am also a licensed General Contractor since 2007 and have over ten years of experience working as an approved 203k contractor.
Your Inspector
What does this mean for you? I understand all aspects of the 203k process: Lender, construction, and HUD inspection requirements. I am here to answer any questions and ensure the process goes as smoothly as possible. 203k loans have made it possible for many families to own the home of their dreams. I look forward to taking this journey with you!
All meetings are set up at the jobsite.
We have completed FHA 203k consultant projects recently in Sacramento, Stockton, Rocklin, Auburn, Vallejo, Richmond, San Pablo, Berkeley, San Jose, Santa Cruz, and many more areas. We are your best choice for FHA 203k consulting and the FannieMae HomeStyle® Renovation Mortgage loan. Give us a try, I think you will like what you get. We strive to provide more than you expect. We are more than a HUD consultant, we are real estate consultants. We help investors know what to look for so you aren't just following the crowd.
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203k consultant who litterally "wrote the book on it"
There are a bunch of lenders who want that contractor bid first...
Buyers - Borrowers -
Is that in your best interest? Not always. We had a bid for $187,000 from a contractor. The lender requested we take that bid and create all the paperwork they needed around that bid. Well, that isn't the way to protect our client so we used that bid to assit with the "scope of work" (SOR) and bid the job ourselves. It came in at $87,000, NOT $187,000 and we added a few items HUD requires but the contractor failed to know and add to their bid.
We contacted the contractor to see if there was more they were doing than was stated. He asked where our bid came in... we told him "$87,000" and he immediately said "I'll do it for that amount".
Had one a while back where they got the bid first... it mixed all of the services room by room. Example: Master Bathroom - Repair the floor, remove the existing tile, install new tile, update the electrical, add a vanity, and paint. HUD requires it to be broken down by category.
This is the master way of deceiving people. By combining all these different services and lumping them together, it is impossible to verify that the costs are fair to the client.
We had to pull each item out of the room by room numbers and put each into its proper section in order to see that they were padding quite a bit of $$$ on this project, too. The cost was high enough to have a room addition, but it turned out there was to be no room addition.
We recommend having the consultant out there first. It is our job to help the client complete a "scope of work" so each contractor bids the same list of repairs. It also provides the homeowner or buyer with a basis for the bid. Knowing the cost of this project within 5-20% is powerful for the client. When the bids come in 20% higher, they better be that much better than anyone else bidding. Typically, we are within 5% of the bids that follow. As a real estate consultant and a HUD 203k consultant, we also have a former FHA appraiser and a 25-year consultant on staff.