HUD 203K Consultant Services in Detroit, Michigan

What Does a HUD 203K Consultant Do?

A HUD 203K consultant is a certified professional approved by the U.S. Department of Housing and Urban Development (HUD) to facilitate the FHA 203K renovation loan process. The 203K loan allows homebuyers to finance both the purchase of a property and the cost of its rehabilitation through a single mortgage — and the consultant is the key professional who makes that process work.

As your 203K consultant, PPT Inspections handles every stage of the process:

• Feasibility Analysis: We inspect the property to determine whether proposed renovations are practical, cost-effective, and compliant with HUD requirements and local building codes.
• Work Write-Up (Specification of Repairs): We prepare the detailed Specification of Repairs — the document that outlines every renovation item, material specification, and cost estimate that forms the foundation of your 203K loan.
• Architectural Exhibit Review: For projects requiring structural changes, we review architectural plans to ensure they meet HUD standards.
• Contractor Bid Review: We evaluate contractor bids against the work write-up to ensure pricing is fair, complete, and within the approved scope.
• Draw Request Processing: As work progresses, we inspect completed phases and process draw requests so contractors are paid on schedule — and only for completed, approved work.
• Change Order Management: When unexpected issues arise, we manage change orders to keep the project within HUD guidelines and the approved budget.
• Final Inspection: We conduct the final inspection to verify all work was completed per the approved specifications before the last draw is released.

Why Having One Firm for Both Inspection and Consulting Matters

PPT Inspections is both an InterNACHI-certified home inspector and a NAFHAC-certified 203K consultant. That means we can perform your initial home inspection and transition directly into the consultant role — one firm, one relationship, one point of contact throughout your entire transaction. For buyers navigating the complexity of an FHA renovation loan on an older Detroit-area home, that continuity is a real advantage.

We've been working with FHA 203K loans in Wayne, Oakland, and Macomb counties since 1994. We understand the local housing stock — the older brick homes in Dearborn, the post-war ranches in Warren, the mid-century colonials in Livonia — and we know what renovation costs look like in this market. That local expertise directly improves the accuracy of your Specification of Repairs, which protects your budget throughout the renovation.