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Sometimes it's possible to fold cosmetic improvements into a structural repair to increase the value of a fixer-upper.If you're replacing the roof, for example, you could add a skylight at the same time.But a couple of rules governing these loans have been relaxed to: RATE SEARCH: Find a great mortgage rate.The limited 203(k) mortgage is for minor remodeling projects that don't require structural modifications such as adding rooms.

Wiring is not that expensive, but repairing the damge to the walls and floors is very expensive.The ideal fixer-uppers are those that require mostly cosmetic improvements — paint touchups, drywall repairs, floor refinishing — which generally cost much less than what they return in market value.New lighting fixtures, doors, window shutters, and siding, as well as updated kitchens and bathrooms, are also lucrative improvements.This type of financing is ideal for borrowers who either have little money for a down payment or who have an average or slightly below-average credit score, says Bruce Ailion, a broker with RE/MAX Town and Country serving greater Atlanta.The FHA requires a credit score of at least 580 if you want to make the minimum down payment; if you have 10% down, your score can be as low as 500. The two different types of 203(k) mortgages got new names in 2015.

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