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203K Draw Inspection Services in Detroit, MI
A 203K draw inspection — also called a draw request inspection — is a required milestone in the FHA 203K renovation loan process. As renovation phases are completed, your HUD consultant inspects the work before the lender releases funds to the contractor. PPT Inspections is a NAFHAC-certified HUD 203K consultant performing draw inspections across Wayne, Oakland, and Macomb counties since 1994. We make the draw process straightforward for borrowers, contractors, and lenders alike.
What Is a 203K Draw Inspection?
When a homebuyer uses an FHA 203K renovation loan, the renovation funds are not released all at once — they are held in escrow and disbursed in installments called "draws" as work is completed to specification.
Before each draw is released, the HUD consultant inspects the work to verify:
- All items specified in the approved Specification of Repairs have been completed to the required standard
- Materials match approved specifications
- Work is code-compliant
- Progress is consistent with the draw percentage requested
- No unauthorized changes have been made to the scope
The consultant documents the inspection and submits a draw request to the lender, who then releases the draw amount to the contractor.
203K Standard loans typically involve multiple draws — often 4 to 6 — over the renovation period. 203K Limited loans may involve only 1 or 2 draws.
Draw inspections protect all parties: the borrower ensures they're not paying for work that hasn't been done; the lender protects its collateral; the contractor has a clear milestone-based payment process.
The Draw Inspection Process — Step by Step
How PPT Inspections manages draw request inspections for FHA 203K renovation loans in Southeast Michigan.
Contractor Requests Draw
The contractor notifies the HUD consultant that a phase of work specified in the Specification of Repairs is complete and requests a draw inspection.
PPT Inspects the Work
We inspect the completed work against the approved Specification of Repairs line by line, photographing completed items and noting any deficiencies.
Draw Request Submitted
If the work meets specifications, we complete the draw request documentation and submit it to the lender for fund release.
Deficiency Correction (if needed)
If any items are incomplete or don't meet specifications, we document the deficiencies and the contractor corrects them before the draw is released.
Funds Released to Contractor
Upon lender approval of the draw request, funds are released. The project proceeds to the next phase.
Final Draw & Completion
The final draw is released only after a final inspection confirms all items in the Specification of Repairs are complete and the project is finished to HUD standards.
Why the Draw Inspection Matters for Detroit Area Renovations
Detroit's older housing stock means 203K renovations often involve complex, multi-phase work: foundation repairs, electrical service upgrades, plumbing replacement, full HVAC installation — all in sequence.
A Detroit-area home being rehabbed under 203K may have hidden conditions (asbestos pipe insulation, knob-and-tube wiring, failed plumbing) that are discovered mid-renovation and require change orders. PPT Inspections manages these change orders as part of the consulting process, keeping the project within HUD guidelines.
Contractor familiarity matters. We know the contractors working in the Detroit market, and we understand what realistic renovation timelines and costs look like for Wayne, Oakland, and Macomb county properties. That knowledge makes our draw inspections faster and more accurate.
Many 203K borrowers in Detroit are first-time homebuyers using the loan to purchase and rehabilitate older homes. Having an experienced, NAFHAC-certified consultant managing draws gives them professional oversight at every milestone.
PPT Inspections has been working with FHA 203K loans in Southeast Michigan since 1994. We understand the local renovation market, the contractors operating in it, and the specific challenges of rehabilitating Detroit's aging housing stock under 203K. Our draw inspections keep projects on track and lenders satisfied.
Why Choose PPT Inspections for 203K Draw Inspections?
NAFHAC-certified, experienced, and deeply rooted in the Detroit and Southeast Michigan market since 1994.
NAFHAC Certified
Our 203K consulting credentials are recognized by HUD and accepted by FHA lenders operating in Southeast Michigan.
Inspector + Consultant in One
If PPT performed your initial feasibility inspection and prepared your Specification of Repairs, having us perform draw inspections means consistent documentation from a single source of truth.
Fast Turnaround
Draw inspections must be completed promptly to keep renovation timelines on track. We prioritize quick scheduling for draw inspections across Wayne, Oakland, and Macomb counties.
203K Draw Inspection FAQ
Common questions about 203K draw request inspections in Detroit and Southeast Michigan.
Detroit's trusted home inspection and HUD 203K consulting firm since 1994. Certified by InterNACHI and NAFHAC, serving Wayne, Oakland, and Macomb counties.
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