Renovation Loan Experts - FHA 203k & HomeStyle
The Range
Feasibility & Risk Review
Included
- In-person property walkthrough w/ renovation loan expert
- Clear Scope of Work (SOW) Narrative
- High-level renovation price range
- High-level timeline range
- Potential Red Flags & Budget Shifters
Best for
Clients trying to determine project feasibility
The Detailed
Enhanced SOR/BOR
Included
- In-person property walkthrough
- Coordinate with HUD Consultant on SOR (Scope of Repairs)
- Create detailed BOR (Bid on repairs)
- Line-by-line pricing breakdown
- Draw schedule with payment milestones
- Lender-ready documentation
Best for
Clients ready to close their loan
The Complete
Enhanced SOR/BOR + Property Analysis
Included
- In-person property walkthrough
- Coordinate with HUD Consultant on SOR (scope of Repairs)
- Create detailed BOR (Bid on Repairs)
- Line-by-line pricing breakdown
- Draw schedule with payment milestones
- Lender-ready documentation
- After-repair value (ARV) analysis
- In-depth Rental analysis
Best for
Clients looking for property value assurance
*Credited toward the overall project price when clients move forward with QB
Why We Charge: You Get What You Pay For
Most HUD consultants write high-level SORs. Most contractors submit vague BORs.
That combination creates gaps in scope, weak draw controls, and contractors getting paid ahead of progress — leaving borrowers stuck mid-renovation.
The QB Difference: The Most Detailed BOR/SOR You'll See
We don't just match the HUD consultant's scope. We upgrade it. We create a bulletproof BOR/SOR with line-by-line task breakdowns, labor + material clarity, clear trade separation, and tight draw milestone definitions.
This locks in accountability. Payment is tied to verified progress, not assumptions. Contractors can't skip details, inflate draw requests, or walk away mid-project. Every dollar is tied to measurable deliverables.
The Range: Feasibility & Risk Review. We evaluate scope, budget realism, hidden risks, and loan viability before you commit.
The Detailed: Enhanced BOR/SOR Creation. Hyper-detailed scope with draw controls that protect borrowers, lenders, and the deal. Most popular for active loans ready to close.
The Complete: Everything in The Detailed plus after-repair value and rent analysis for return on investment protection and maximum financing confidence.
Bottom line: We've taken over countless projects where the original contractor got paid too much too early—because the BOR and draw structure wasn't detailed enough to hold them accountable. Our system is designed so that never happens to our clients.
What you get: Confidence in Your Investment
We know "most contractors don't charge for estimates". You aren't paying for an estimate; you are paying for less stress and more protection.
The Range
Professional pricing report
What's Included:
In-person property walkthrough
1:1 property Walkthrough reviewing existing conditions and project scope
Clear Scope of Work (SOW) Narrative
Receive a detailed scope of work describing all activities discussed during the walkthrough
High-level renovation price range
Get an organized, by area price breakdown of your project
High-level timeline estimate
A realistic and all-encompassing start-to-finish schedule range
Potential Red Flags & Budget Shifters
Clarity on potential change order items from our lessons learned on past projects
The Detailed
Professional pricing report
What's Included:
In-person property walkthrough
1:1 property Walkthrough reviewing existing conditions and project scope
Coordinate with HUD on SOR
Coordinate with HUD on the Scope of Repairs (SOR) by reviewing property condition reports and required fixes.
Create detailed BOR (Bid of repairs)
Create detailed BOR (Bid of Repairs) by compiling itemized contractor proposals for all SOR items.
Line-by-line pricing item breakdown
List of each repair with quantities, labor hours, materials, and subtotals for transparency.
Draw schedule with payment milestones.
Tailored draw schedules linking payments to verified milestones like foundation completion, framing and final finishes.
Lender-ready documentation
Provide completed BOR, GC Contractor profile, Lender required insurance, and past project referrals
The Complete
Professional pricing report
What's Included:
In-person property walkthrough
1:1 property Walkthrough reviewing existing conditions and project scope
Coordinate with HUD on SOR
Coordinate with HUD on the Scope of Repairs (SOR) by reviewing property condition reports and required fixes.
Create detailed BOR (Bid of Repairs)
Create detailed BOR (Bid of Repairs) by compiling itemized contractor proposals for all SOR items.
Line-by-line pricing item breakdown
List of each repair with quantities, labor hours, materials, and subtotals for transparency.
Draw schedule with payment milestones.
Tailored draw schedules linking payments to verified milestones like foundation completion, framing and final finishes.
Lender-ready documentation
Provide completed BOR, GC Contractor profile, Lender required insurance, and past project referrals
After Repair Value (ARV) Analysis
Estimates the property's market value post-repairs using comparable sales, renovation costs, and local trends for maximum profitability.
In-Depth Rental Analysis
Evaluates market rents, vacancy rates, operating expenses, NOI, cap rates, and cash-on-cash returns using local comps and conservative projections.
Why Trust Us: Our Experience and Past Clients
Experience matters — and our results prove it. With years of successful projects, transparent communication, and long-term client relationships
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“ONE POINT OF CONTACT was amazing to work with...Quality Builders made our remodel easy NOT stressful. I'd recommend them to anyone looking to renovate for business or your forever home.”
Sam
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“Great Contractors. Finished on time and on budget with quote. Were very responsive and kept us updated daily with work progress. Highly recommend Quality Builders.”
Timothy
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"I've had the pleasure of working with Jonathan and the team at Quality Builders for some time now—and knowing Jonathan even longer. Their professionalism, transparent pricing, and seamless project management truly set them apart from other general contractors I’ve worked with. Their commitment to quality and collaboration is unmatched. On behalf of everyone at Braddock Investment Group—thank you for being such a reliable and skilled partner."
Christopher Davis
Kitchen Expansion
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"My husband and I purchased an absolutely gorgeous single family home built by Quality Builders...They thought of every detail and the quality of the home exceeded our expectations..."
Nicole
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“Greatly impressed with how responsive they were to ensure our project came out to our expectations...My wife and I have recommended this company to friends and family...”
Anthony
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“I worked with Quality Builders on my first flip project. Throughout the project they were always available and kept me up to date on the project using project management software...”
Julio
Our Renovation Process — Built for Clarity, Speed, and Approval
From feasibility to final closeout — every step designed to protect your investment and keep your project on track
Feasibility & Risk Review
We evaluate scope, budget realism, hidden risks, and loan viability
HUD Consultant & SOR/BOR Alignment
We review the Scope of Repairs to ensure it's complete, realistic, and buildable
Enhanced BOR/SOR Creation
We build a hyper-detailed BOR/SOR that protects budget, timeline, and lender approval
Lender-Ready Submission
We format pricing, scope, and schedules for faster lender and HUD approval
Renovation Execution & Draw Control
We manage inspections, documentation, and draw requests tied to verified progress
Final Inspection & Closeout
We deliver clean completion so final funds release without friction