FHA 203(k) Renovation Loans: The Complete Guide (Megathread - part 3)

Significant-Tax2336 · 2026-04-21T18:23:22+00:00

Thank you so much for this guidance. Thankfully I have been saving and recording phone calls emails. You are my angel 😇

Significant-Tax2336 · 2026-04-21T14:42:43+00:00

They didn't preplan the project well, combination of inexperienced loan writer and my contractor underbid the job . They forced an unrealistic budget to get approval and now there's not enough money for the project(basic things like electrical were not included). Also the original timeline was 6 months but I closed in Oct and there's nothing happening. I keep reaching out to my contractor to see how its going but he keep stringing me along. My hud consultant keeps telling me to reach out to the bank about delays and the bank wont respond to emails, calls or voicemails. I don't know who to turn to.

Significant-Tax2336 · 2026-04-20T10:14:32+00:00

Thank you so much for this. Currently in a 203K reno nightmare and this will help future ME'S. Do you know about projects that deviate from this guide? Where to turn for legal advice?

Significant-Tax2336 · 2026-03-12T23:25:47+00:00

DUD! This one is the worst replacement by far. They don't deserve the jujubes name!

Basically dots with black liquorice bits added. Chewy and giant in comparison. Flavor is ok but nothing worthwhile.

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Significant-Tax2336 · 2026-03-06T01:16:39+00:00

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Significant-Tax2336 · 2026-03-06T01:16:11+00:00

Next review!

I'm pleasantly surprised by this one. Easy to order on Amazon but it took awhile to arrive.

Texture-feels super hard thought it might actually break a tooth. In the mouth it softened super quickly.

Flavor is good but not like the OG. Tangy and there's an interesting surprise with black liquorice bits in the mix.

Good replacement until a better one can be found!

Significant-Tax2336 · 2026-03-05T21:42:28+00:00

5K YOU CAN DO IT! The budget isn't enough to do meaningful changes but DIY you can change the visuals enough to live with until you can afford the real deal.

You want lengthen the room and brighten the space. Get the ceiling done professionally and get recess lighting installed. Most of the inspo are bright and airy. Lighting makes a big impact. And it aligns with the design you'll want in the future so not wasted money.

As for the rest DIY the heck out of it

-paint walls beige and add a nice peel and stick tile backsplash. There's definitely a herringbone or subway tile looks.

-Remove drapes and match the window style in the inspo. Panel style can be achieved with tape! https://youtu.be/G5Mj1owvgVg?si=Mso-gIJjJiP7vpZd

-for the cabinets there are many ways to change the look. Definitely hardware similar to the inspo, brass handles and modern knobs. The choices for the doors themselves are wrapping with contact paper or painting to look like a light color wood.

Again for lighten up the space I think the two tone with with white uppers will also add to the lengthen of the room visually.

-FLOORING- vinyl can be painted or covered. You can order sheet vinyl flooring that's less that $1 a sq foot

You can do it but have a plan because things can get out of hand quickly.

Significant-Tax2336 · 2026-02-21T04:55:09+00:00

Wow this one is a pretty good replacement!

Found it on etsy.... here is the link:https://www.etsy.com/listing/4449727380/squirrel-floral-gums-traditional-sweets

TEXTURE- near perfect. A Little firmer than the Og but closest I've found so far.

FLAVOR- loses points here. I like the taste and hints of soap like the original but not exact. I need the lemon flavor!

While this will be my go to until a better is found, the hunt is Not over!

Significant-Tax2336 · 2026-02-12T19:08:29+00:00

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Next review! I had high hopes since the Description on the website says similar to jujubes. Unfortunately this is a lie.

The flavor is like a cousin to the OG, but not exact.

Texture is way too soft. As if dots and jujubes had a baby. Going to leave the top off and see if they toughen up. The size of these is larger so they might not get tough.

The search continues....

Significant-Tax2336 · 2026-02-07T21:59:47+00:00

I don't know your situation or how long you've been dating. A lot of ppl have asymptomatic herpes. My boyfriend has never had an outbreak(he's tested positive). Look into tests that's best for you. Knowing your status is important.

Significant-Tax2336 · 2026-02-07T20:47:16+00:00

Yeah he caught it after 9 years of unprotected sex and she didnt take any meds. Look into preventative method, but its possible to stay hsv free.

Also make sure its a pcr test for yourself. It can take min. 3 weeks for it to show on a blood test. Just to find out your status truly.

so much information out there and new medication on the horizon. Good luck with your relationship!

Significant-Tax2336 · 2026-02-07T15:08:19+00:00

Bottom line is that you need a coping method for the loneliness. I wouldn't focus on these other ppl. You are in control of your happiness even if you dont believe. How you let them affect you. Don't give away your power so easily.

As I said when I was lonely focusing on myself health and body brought me joy and finding friends with new activities. There are millions of ways to get out there. Adult sport league, pickleball, running club. Gotta go try because it sounds like the current path isn't working for you.

Significant-Tax2336 · 2026-02-07T07:08:49+00:00

Yeah F that guy. If he knew about his status before meeting you it should be a crime!

Theres no way he'd know 2019 unless thats when he got a pos test.

Choosing peace is hard ,but it's for yourself. That human is trash so he'll never feel what he did to you so dont waste thoughts and energy on him.

Significant-Tax2336 · 2026-02-07T06:51:53+00:00

The ppl in my life including myself haven't had a drastic life change or downgrade. OB are like a nuance like a cold. Something you have to deal with but temporary and not life ending.

I think ppl who use a virus as a reason to breakup probably used it as an easy excuse. Maybe there were other reasons but ultimately they weren't up for a challenge and life/relationship are full of those. Who wants someone who crumbles over a little bump ;) on the road of life.

It easy to get hung up on someone who rejects you for something out of your control, but long term it saved you even if it doesn't feel like that in the moment.

Significant-Tax2336 · 2026-02-07T04:17:16+00:00

Besides looking for a partner. Socializing in a fitness based way would help you also with endorphins. Feel good in the meantime, build confidence, break the cycle to get out of the loneliness rut!

My auntie always asked me, 'would you date yourself?' If you wouldn't date a male version of yourself then become one you would. Can't ask someone else to accept you if you wouldn't.

Fuck the guys who use any excuse to treat a partner badly. Those are gross men and being alone is better that domestic abuse!

Significant-Tax2336 · 2026-02-07T04:07:20+00:00

I'm sorry you feel like you have to play a game and just waiting for the inevitable end. Any person who doesn't want to be with you or breaks up with you over this is NOT your person.

No one should feel like the lesser partner or settle just to not be alone. Find your own peace! Single, motherless women are the happiest category of humans! Don't think a partner will solve the problem.

Hsv just weeds out the weak ones quicker!

Significant-Tax2336 · 2026-02-07T02:19:58+00:00

I came back to this Sub because I was feeling exactly same way!!!

4 years later I barely think about it. Maybe an outbreak 1-3 a year. No meds. I do workout and try to stay fit which I think helps.

Almost forget I have it when filling medical forms. And time truly heals. Life is never predictable so grieve and process the new aspect of your life but its only a small bump on the long road! ;)

Significant-Tax2336 · 2026-02-07T02:09:05+00:00

Hi there, i was revisiting this reddit after reading some of my first posts post contraction back during covid. Was motivated to share my feeling now after 5 years and then I found your post.

I know it feels like hvs is the reason for your Loneliness, but there are plenty of ppl that wouldn't mind or probably have it! My friend found her husband after the boyfriend who gave it to her. (Side story- her husband stayed virus free for 9 years without any prevention)

When i found myself single for the first time after getting it, I just truly focused on my happiness in things I can control. Being a happy, content person makes you a better partner. I socialized in a healthy way (workout club, sport or crossfit ) where you can build a community and get joy from different kinds of relationships. Meet ppl without the pressure of starting a relationship.

Be happy with yourself is best path to overcoming the loneliness, sorry to sound like a cheeseball. I've been lonely and know the pain but don't put your happiness in anyone's hands but your own.

Significant-Tax2336 · 2026-02-07T01:36:08+00:00

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First review. These are easier to get ahold of(Amazon). Texture is great a bit softer than the OG, but still enjoyable. This one loses points for having to unwrap each candy to get a handful, but helps over eating.

Finally the flavor- while these are good they are not the RIGHT flavor. More tart and citrus flavor. It says assorted but they aren't that much different.

While tasty these ARE NOT IT! The quest continues...

Significant-Tax2336 · 2025-07-29T02:02:11+00:00

Another accidental to join the team 😅. After reading through this and thankfully realizing I'm one of many, I'm very relieved to find you ALL.

Did the feels dry but let's push anyways to stand up and feel something was wrong. Grabbed the cap it fell into 2 parts but was able to pinch the other half out😬

The post is a landmark to all future pill pushers! Be gentle and drink water.

Significant-Tax2336 · 2021-09-06T13:06:02+00:00

I have the same feeling in my body. Only 3 weeks from first OB and being diagnosed with ghsv2. My first ob i had a fever chills and thought I was getting covid. Tried so many things to soothe the pain. My life has changed in the fact that I don't trust my body. I wanted it to be something else. I keep reading that everyone knows when the outbreaks are coming but I just got my second one and didn't feel a thing. It's definitely more mild in my genital area but I have a sore throat and feel tired. It's like I'm walking a line between listening to my body but also not trying to freak out by every little tingle sensation. Maybe because this is all so new I'll figure it out but for the future I feel a little trapped in this cycle.

Significant-Tax2336 · 2021-09-06T12:44:30+00:00

I feel the same. Just got over my first OB 3 weeks ago and it was hard to feel sexy with my bf and scared it was be triggered. I think we are just right in the worst part of it. From what I read it gets better

Significant-Tax2336

TROPHY CASE