About Us


What is a renovation loan?

Use a Team to close your loan faster

New construction a Specialty

Simply put "purchase or refinance money with money to fix up your home, or small income units, all in one "low interest" loan. 

We are one of the largest consultants in the USA. We work with you to create a viable scope of work then actually bid the job for you. This puts you in the driver's seat when negotiating with your contractor(s).

We also provide 203k consultant training & software for consultants This is the best training you will get anywhere. Our Award Winning software is intuitive and easy to learn. If you are a consultant you may qualify for FREE Consultant Software.


New construction a Specialty

Use a Team to close your loan faster

New construction a Specialty

Our Southern CA office speicalizes in new construction. Need a good contractor in Moreno Valley or SF Bay Area, we can work with your architect or we can provide that service too.

Like to see some before and after photos?

203k Buyer's guide - consultant's guide

Use a Team to close your loan faster

Use a Team to close your loan faster

Use a Team to close your loan faster

The Mike Young Team of 203k consultants has been providing 203k & HomeStyle® inspections since 1994. Experience counts. A proven effective team over and over again. Use the "order consultation services here" link below to place your order and get the process started.

Want to get your bid even faster, use the Project Estimator at the top right corner of this page, or click here. This is a do-it-yourself link that gives you accurate cost info across the USA by zip code.


Contact Us

Drop us a line!

Ways you can contact us

Use our "Love MY Renovation Project" radio show to gain more knowledge before you take the plunge into a project. They can actually be very rewarding. Click on the link for more info.

Mike Young Team

Office: 775-413-0451 Toll FREE: 877.207.6565, Sacramento: 916-621-6509, San Jose: 408-941-5244


By appointment only

Know your project cost before your contractor bids

Handy Downloads

Here are some pertinent downloads you might be interested in. 

Basics is simple a short rendition of what you can and can't do with a 203k and HomeStyle® Renovation Mortgage

Procedure helps you understand the process from start to finish.

HomeStyle® Renovation Mortgage guideline. Contractor detail instructions for requesting a draw inspection.

Interesting info on the FHA 203k and related loan products


Consulting services

  • What you should expect from your consultant. If you order a consultation your FHA 203k consultant should assist you in putting together a scope of work and then provide a bid on that project. This way you have a reasonable expectation of the cost of your project. If they aren't doing this they aren't doing their job. The whole idea is provide you with a reasonable bid before you get a contractor's bid. 
  • You may need a "feasibility report". This has a distinct function. It is low cost and provides you with the tools you need to make an educated offer on the property. We provide these for buyers and sellers. Sellers should use this product so they can't get bushwhacked by a low-ball offer. They know up front what it will cost to bring the home to HUD's Minimum Property Standards. A potential buyer uses this report to see just what it will cost to bring this home to the MPS's (Minimum Property Standards) so they can make the correct offer. Need more detail, click here
  • Contractors, are you too busy to take time out to bid a project ? We can do that for you when you are too busy. We bid the project so when you visit the property for the first time you have a proposed bid in hand. You tune it up if needed and it took you about 1/10th the time it would have to actually bid the project. If you don't get the job, we don't get paid - FREE. Lets talk.
  • Cal-Vet also has a home improvement loan product. 

Available Training

Lenders - We come to you and train your staff to close renovation loans faster than the competition. How would you like to close renovation loans faster?

FHA 203k Consultants - We have the best consultant training in the business. Learn how to be a 203k consultant and a consultant for several other programs. Did you know there is a VA Renovation loan that requires the use of a 203k consultant.

Contractors - Learn how you can increase your business volume. We will show you how to access more business than you thought was available to bid on. We'll even show you how to make money every time you bid a job.

News from the Team

Our radio show is every Sunday 1-2 pm PST. Join in the conversation.  More info and podcasts.


1) Can we get money up front for my 203k project? Yes and no, many lenders are now allowing you to get a 10% payment at close of escrow but not all lenders participate. You will need a W9 from the supplier and an invoice from that suppler for most lenders. For FHA projects you can get up to 50% for materials with a purchase contract from your supplier. That check will be made to the supplier.   

HomeStyle® Renovation Mortgage not so hard. Many lenders will offer a 10-20% up front payment. We had a large project with construction costs over $500,000 and were able to get a 10% up front payment to the contractor. 

2) Can we get money to pay for the cabinets when we order them? Yes, you can get a 50% deposit with your FHA 203k loan there is no such provision for HomeStyle loans though some lenders are allowing it, one is allowing up to 10-20% up front to get started.

3) How do I fire my contractor? This would always be a last resort. Not an easy thing to do and you should contact an attorney. For the short answer go to www.203k911.com

4) Where do I find the FHA maximum mortgage amounts for my county? Click here


203k consultants; The Mike Young Team gets you the renovation loan and financing options you need. A renovation mortgage gets you the money you need to get your professional renovation complete. With 203k consultants we help you get the job done.