{"id":20693,"date":"2013-09-18T22:57:59","date_gmt":"2013-09-18T22:57:59","guid":{"rendered":"http:\/\/203krehabnow.com\/?p=20693"},"modified":"2013-09-18T22:57:59","modified_gmt":"2013-09-18T22:57:59","slug":"203k-contractors-in-texas","status":"publish","type":"post","link":"https:\/\/dev203k.orbitwebx.com\/dev203k\/203k-contractors-in-texas\/","title":{"rendered":"203k Contractors in Texas"},"content":{"rendered":"<p style=\"text-align: center;\"><a href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/09\/203k-contractor-in-texas.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-20696\" title=\"203k contractor in texas\" src=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/09\/203k-contractor-in-texas.jpg\" alt=\"203k contractor in texas\" width=\"542\" height=\"230\" srcset=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/09\/203k-contractor-in-texas.jpg 677w, https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/09\/203k-contractor-in-texas-300x128.jpg 300w, https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/09\/203k-contractor-in-texas-530x225.jpg 530w\" sizes=\"auto, (max-width: 542px) 100vw, 542px\" \/><\/a><\/p>\n<p>\u00a0The role of the <a title=\"FHA 203k texas\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/loan-programs\/203k-rehab-mortgage-loans\/\">203k contractor <\/a>in Texas\u2026<\/p>\n<p>In Texas there are <span style=\"text-decoration: underline;\">no licensing requirements<\/span> for a general contractor. Most of the <a title=\"FHA 203k Scenarios\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/scenarios\/\">203k rehab projects <\/a>have general contractors that run the project and most often will have sub-contractors that work for them. The sub-contractors that do perform work that require a license are: plumbers, electricians and AC contractors. The <strong>license is required to pull a permit<\/strong> but we must also be able to verify the license before final approval can be issued.<\/p>\n<p>The borrower is responsible for <a title=\"Frequently Asked Questions\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/frequently-asked-questions-about-renovation-lending\/\">contractor selection<\/a>. <span style=\"color: #ff0000;\">One of the key items to focus on when selecting a general contractor is to find one that sees your vision and understands the work that you want to have performed on the property.<\/span> Good communication skills are necessary! Successful contractor selection leads to a successful project.<\/p>\n<p><strong>Each lender may vary slightly as to what they what is required to be reviewed but in general most want to see:<\/strong><\/p>\n<ul>\n<li>Credentials including work experience<\/li>\n<li>Business licensing such as DBA or LLC<\/li>\n<li>Website for reviewing projects and further company verification<\/li>\n<li>Licensing information where applicable by state \u2013 Example: Texas has none at this time\u2026however any sub-contractors used on a project where their trade requires it will need to show copy of their license.<\/li>\n<li>When the actual license cannot be provided\u2026there is a <a title=\"Texas Department of Licensing and Regulation\" href=\"http:\/\/www.tdlr.texas.gov\/LicenseSearch\/\" target=\"_blank\" rel=\"noopener\">website<\/a> that a consumer or lender can log onto and see the status of the license. The site requires full name of contractor and company along with license number and all can be verified online.<\/li>\n<li>Examples of projects contractor has been involved with, specific dates of the projects and client references. The client references will need to have valid contact information including email and phone number.<\/li>\n<li>Proof of $1 million in general liability insurance<\/li>\n<li>Also, it is required that Borrowers and Contractors complete an <a title=\"homeowner\/contractor agreement\" href=\"http:\/\/www.ehow.com\/how_5149210_make-contract-between-contractor-homeowner.html\" target=\"_blank\" rel=\"noopener\">agreement<\/a> that outlines the rights and responsibilities of each party. This is something that we will send out specific to the project.<\/li>\n<li>A <a title=\"detailed bid example\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/07\/bid-example.pdf\" target=\"_blank\" rel=\"noopener\">detailed bid itemizing <\/a>out work that is to be performed. The bid should be broken apart by labor and materials and be very detailed. Keep in mind this bid is sent to the appraiser and they will complete an appraisal that reflects the after improved value of the property so the bid needs to be specific to what grade of materials will be used. <span style=\"text-decoration: underline;\">The more detailed the better.<\/span><\/li>\n<\/ul>\n<p>When <strong>walls are being moved and\/or the footprint of the house is being changed<\/strong>, your contractor will need to provide plans and\/or a drawing to show how the structure will look upon completion. If the project is minimal the drawings can be pretty basic. However let\u2019s say you are <a title=\"Full 203k\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/why-the-203k-full-rehab-loan-for-structural-repairs\/\">adding a second story <\/a>onto a home then you are going to need actual architectural drawings to support the work and vision of the project.<\/p>\n<p>One item in particular to note is that various cities have <a title=\"Permit Requirements Texas\" href=\"http:\/\/www.cityapplications.com\/building-permits\/TX-Texas\/bldg-Texas.html\" target=\"_blank\" rel=\"noopener\">different permitting requirements<\/a>. It is imperative that your contractor understands the city\u2019s requirements and the turn time that particular city is taking to turn requests for permits. <span style=\"color: #ff0000;\">Requesting permits is typically something the contractor will take charge of so having one that is familiar with this process is important to getting the project started smoothly.<\/span><\/p>\n<p><strong>Need some help finding the permit guidelines&#8230;here are some helpful links:<\/strong><\/p>\n<p><a title=\"Dallas Permit Center\" href=\"http:\/\/www.dallascityhall.com\/building_inspection\/permit_center.html\" target=\"_blank\" rel=\"noopener\">Dallas, TX Permit Center<\/a><\/p>\n<p><a title=\"McKinney, TX Development Services\" href=\"http:\/\/www.mckinneytexas.org\/index.aspx?NID=156\" target=\"_blank\" rel=\"noopener\">McKinney, TX Development Services<\/a><\/p>\n<p><a title=\"Frisco, TX Building Permits\" href=\"http:\/\/www.friscotexas.gov\/departments\/planningDevelopment\/buildingInspections\/Pages\/default.aspx\" target=\"_blank\" rel=\"noopener\">Frisco, TX Building Inspection Division<\/a><\/p>\n<p><a title=\"Fort Worth Permits and Plans\" href=\"http:\/\/fortworthtexas.gov\/planninganddevelopment\/permits\/\" target=\"_blank\" rel=\"noopener\">Fort Worth, TX Permits and Plans<\/a><\/p>\n<p>While on the issue of permits one other item to take special note of is if the home you are interested in is in an <strong>historic district<\/strong>. This can and most often does come with its own set of approval requirements. <span style=\"text-decoration: underline;\">Not approval from the lender but actually submitting the project to the historic district for approval.<\/span> The approval from the historic district can be a lengthy process just depending on what <a title=\"Dallas historic district\" href=\"http:\/\/dallascityhall.com\/development_services\/historic_preservation.html\" target=\"_blank\" rel=\"noopener\">historic district <\/a>and the changes that you are wanting to make to the property.<\/p>\n<p>As you can see from this article contractor approval and understanding the role of the contractor when dealing with the <a title=\"fha 203k texas\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/streamlined-203k-rehab-loan\/\">203k loan in Texas <\/a>is a very important factor. Your involvement and your communication is necessary for a smooth project from start to finish. Of course we will make every effort to ensure that all parties are updated as the project progresses but you are our eyes and ears on the project so we encourage active communication across the board.<\/p>\n<p>I\u2019m always amazed by some of the <a title=\"203k photos\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/rehabphotos\/\">finished projects <\/a>and can\u2019t wait to help you renovate your new home or even your existing home. Call me today and let\u2019s talk about your project!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In Texas there are no licensing requirements for a general contractor. Most of the 203k rehab projects have general contractors that run the project and most often will have sub-contractors that work for them. The sub-contractors that do perform work that require a license are: plumbers, electricians and AC contractors. The license is required to pull a permit but we must also be able to verify the license before final approval can be issued.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[67,69,62],"tags":[160],"class_list":["post-20693","post","type-post","status-publish","format-standard","hentry","category-203k-full","category-203k-streamline","category-mortgage-programs","tag-fha-203k-contractor"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>203k Contractors in Texas<\/title>\n<meta name=\"description\" content=\"The role of the 203k contractor in Texas. There are no licensing requirements for a general contractor. 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