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We did a 203 (k) through Wells Fargo and were able to renovate our Kitchen
You might also want to check out the "HomeReady" and "HomeStyle" Renovation loans....
These are Fannie Mae and Freddie Mac's Conventional versions of the 203K program.
They do have income limitations in some areas, but they don't have the 1.75% FHA funding fee, plus they have discounts on the PMI. Also they will go up to 97% LTV.
Great programs for renovation projects.
Thanks,
No down payment required...
They use current equity and/or future equity (value after the remodel)
Thanks,