203(k) Consultant in Pennsylvania
HUD-approved renovation loan consulting for Pennsylvania lenders, borrowers, and real estate professionals. Backed by 30+ years of construction experience and a federal HUD consultant credential honored statewide.
Pennsylvania’s Housing Stock Was Built for the 203(k)
Pennsylvania has some of the oldest housing in the country, and that is exactly why the 203(k) program matters here. Philadelphia rowhomes, brick twins in the Lehigh Valley, frame houses in Pittsburgh, Scranton, and Erie. A lot of it predates 1940. Good bones, deferred maintenance, and the kind of scope the 203(k) was written to finance.
The hard part isn’t finding these properties. It’s finding a consultant who knows what he’s looking at when he walks through one. Michael Al (HUD Consultant ID P1984) has been in construction for more than 30 years. Licensed Builder, State of Michigan since 1994, and a HUD-Approved 203(k) Consultant since 2019. That HUD approval is a federal credential, so it carries the same weight for an FHA lender in Pennsylvania as it does anywhere else. He knows how FHA renovation financing works for Pennsylvania buyers, he travels to Pennsylvania regularly, and he comes with a notebook and a drone and leaves with a report your lender can actually use.
Why Pennsylvania Lenders Choose MIS
- HUD-Approved, Honored Statewide: The 203(k) consultant approval is a federal credential (HUD ID P1984) that every FHA lender in Pennsylvania can work with.
- Built for Older Housing: Pre-1940 rowhomes, twins, and frame houses are the norm across the state. Michael knows the knob-and-tube wiring, balloon framing, undersized service panels, and foundation issues these homes tend to hide. The write-up accounts for what’s there, not just what’s visible.
- FHA Renovation Fluency: Deep familiarity with FHA 203(k) Standard and Limited financing, so the documentation matches the loan the borrower is actually using.
- 11 Renovation Loan Types: FHA 203(k) Standard and Limited, Conventional, VA, USDA Rural, Fannie Mae HomeStyle, Freddie Mac CHOICERenovation, and more. One consultant for every renovation product you originate.
- FAA-Certified Drone Capability: Part 107 certified aerial imaging and thermal scanning for roof and facade assessments. Useful on tight rowhome blocks where a ladder isn’t practical.
- 30+ Years Construction Experience: Michael doesn’t just inspect. He understands how Pennsylvania homes were built, where the problems hide, and what the repairs actually cost.
Services Available Throughout Pennsylvania
203(k) Consulting
Full HUD consulting from feasibility study through final completion. Includes the site inspection, work write-up, contractor bid review, draw inspections, and all required HUD documentation: forms 9746-A, 92577, 92700-A, and 92300. All 11 renovation loan types supported.
Aerial Drone Inspections
FAA Part 107 certified aerial imaging, thermal scanning, and roof assessments. Particularly effective on Pennsylvania’s older housing, where steep roofs, dormers, and shared party walls limit safe ladder access. Available as a standalone service or combined with 203(k) consulting.
Commercial Building Inspections
Comprehensive commercial property assessments that combine ground-level inspection with aerial drone surveys. Available for commercial lenders, property managers, and investors working across Pennsylvania.
Pennsylvania Communities We Serve
MIS provides statewide coverage in Pennsylvania, including but not limited to:
- Philadelphia
- Pittsburgh
- Allentown
- Reading
- Erie
- Scranton
- Bethlehem
- Harrisburg
- Lancaster
- King of Prussia
- Norristown
- West Chester
- Upper Darby
- Levittown
Don’t see your city? We still serve it. MIS covers communities across Pennsylvania. Call to confirm scheduling for your specific address.