203(k) Consultant in Michigan
HUD-approved renovation loan consulting throughout the entire state of Michigan. Based in Southeast Michigan, serving every community statewide.
Michigan’s Trusted 203(k) Consultant
Michigan Inspection Services is headquartered in the Southfield area of Southeast Michigan, the heart of the state’s busiest real estate and renovation lending market. Michael Al (HUD Consultant ID P1984) has been a Licensed Builder in Michigan since 1994 and a HUD-Approved 203(k) Consultant since 2019.
Your renovation project may be in Grand Rapids, Lansing, Ann Arbor, or anywhere in between. MIS provides full 203(k) consulting services including feasibility studies, work write-ups, contractor bid reviews, draw inspections, and all HUD-compliant documentation.
Why Michigan Lenders Choose MIS
- Local Expertise: Based in SE Michigan with deep knowledge of local construction costs, building codes, and market conditions across the state
- 90+ Lending Partnerships: We’ve worked with banks, credit unions, and mortgage companies across Michigan. Our reports meet every lender’s standards.
- 11 Renovation Loan Types: Not just FHA 203(k). We handle Conventional, VA, USDA, HomeStyle, CHOICEReno, and more. One consultant for every product.
- Modern Tools, Faster Reports: Our proprietary platform delivers faster, more accurate documentation. Photo analysis, field note processing, and report generation assisted by advanced tools.
- FAA-Certified Drone Inspections: Aerial imaging and thermal scanning included when appropriate. No other Michigan 203(k) consultant offers this.
- 30+ Years Construction Experience: Michael doesn’t just inspect. He understands how Michigan homes are built, where problems hide, and what renovations actually cost.
What I Find in Southeast Michigan Homes
I work Wayne, Oakland, Macomb, Washtenaw, and Livingston counties, and the houses are not the same from one to the next.
Wayne County
Mostly 1960s and 1970s stock. Pre-1978, so lead paint is on the table. Cast iron drain lines are failing, basement walls are cracked or bowed from freeze-thaw, and plenty of it has sat vacant long enough for the copper to be gone.
Oakland County
Everything from 1960s ranches to houses built in the last twenty years. Cast iron drains and footing settlement in the older ones, and grading that dumps water at the foundation in every era.
Macomb County
A real mix, with a lot of slab-on-grade ranches. A slab house hides its plumbing under concrete, so a re-pipe there is a different job than in a basement house.
Washtenaw County
Mixed by decade and mixed by jurisdiction. Out in the townships, well and septic land in the scope, which moves both the budget and the timeline.
Livingston County
Farm country that grew. Well and septic are in almost every scope. The farmhouses have additions stacked on over decades, each framed to a different standard, and long driveways and outbuildings come with the property.
The biggest surprises at the write-up come out of Wayne, Oakland, and Washtenaw.
Michigan Winter Moves Your Draw Schedule
Roof, windows, exterior doors, siding, foundation work, flatwork, sewer and water lines, and anything that needs the ground open have to be handled before it freezes. Late November and March are the months I will not let exterior work get scheduled.
If you want to start in November, close the shell in first and run interior work all winter. If the scope is all interior, none of this applies.
When a contractor loses three weeks to weather, I release only what is actually complete and send the extension request to the lender. The scope does not change because the calendar did.
What a Builder’s License Catches Before Underwriting Does
I have been a Licensed Builder in Michigan since 1994 and a HUD-Approved 203(k) Consultant since 2019, HUD ID P1984. Reading a contractor’s bid as a builder is a different job than reading it as a reviewer.
What I pull out of bids: permits and inspection fees left off, structural work priced like it is cosmetic, a load-bearing wall in a layout change nobody flagged, electrical service too small for the finished scope, HVAC undersized for the added square footage, and roof covering priced when the deck is the real problem. Bids come in soft on permits, temporary heat, and anything behind a wall.
Contractors stop padding once they know. Fewer change orders come later because the scope was right the first time.
Straight Answers for Lenders and Borrowers
Most lenders have not run many of these, so I walk the lender and the borrower through it together. Borrowers almost never know the fee is paid up front, that the write-up comes before the loan moves, or that structural work pushes them out of a Limited 203(k).
The consultant fee follows HUD’s published schedule, and it is paid up front. It is not a number I make up.
Services Available Throughout Michigan
203(k) Consulting
Feasibility studies, work write-ups (starting at $1,000), contractor bid reviews, draw inspections ($375 + mileage), and all HUD forms including 9746-A, 92577, 92700-A, and 92300. Supports all 11 renovation loan types.
Aerial Drone Inspections
FAA Part 107 certified. High-resolution aerial photography, thermal/infrared scanning, roof assessments, and property documentation. Available as standalone service or bundled with 203(k) consulting.
Commercial Building Inspections
Comprehensive commercial property assessments combining ground-level expertise with aerial drone surveys. Ideal for commercial lenders, property managers, and investors throughout Michigan.
Michigan Communities We Serve
MIS provides statewide coverage in Michigan, including but not limited to:
- Grand Rapids
- Ann Arbor
- Lansing
- Southfield
- Troy
- Warren
- Sterling Heights
- Dearborn
- Livonia
- Farmington Hills
- Rochester Hills
- Royal Oak
- Novi
- West Bloomfield
- Kalamazoo
- Flint
- Saginaw
- Muskegon
- Battle Creek
- Traverse City
- Holland
- Pontiac
- Jackson
Don’t see your city? We still serve it. MIS covers every community in Michigan.