source:
  type: guide
  id: hud-4000-1-i-b-203-k-consultant-roster
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. 203(k)
    Consultant Roster (11/07/2023)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. 203(k)
    Consultant Roster (11/07/2023).
  coverage_tier: operative
obligations:
- id: hud-4000-1-i-b-203-k-consultant-roster-full
  canonical_id: hud-4000-1-i-b-203-k-consultant-roster-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. 203(k) Consultant
    Roster (11/07/2023)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part I — b. 203(k)
      Consultant Roster (11/07/2023)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: 'b. 203(k) Consultant Roster (11/07/2023) The Standard 203(k)
      Rehabilitation Mortgage program requires the use of an FHA-approved 203(k) Consultant.
      FHA maintains a list of qualified Consultants on the FHA 203(k) Consultant Roster.
      Only a Consultant in active status on the Roster may be selected by the Mortgagee
      to conduct Consultant functions in the 203(k) program. c. Application and Approval
      Process (04/10/2025) i. Eligibility Requirements (A) Standard To become an approved
      203(k) Consultant, the prospective Consultant must be able to perform all duties
      outlined in 203(k) Consultant Requirements and fully understand the requirements
      of the 203(k) Rehabilitation Mortgage Insurance Program. The prospective Consultant
      must meet the qualifications for one or more of the following: • be a state-licensed
      architect; • be a state-licensed engineer; • have at least three years of experience
      as a remodeling contractor or general contractor; or • have at least three years
      of experience as a home inspector. The prospective Consultant must not be listed
      on: • the General Services Administration’s (GSA) System for Award Management
      (SAM); • HUD’s Limited Denial of Participation (LDP) List; or • HUD’s Credit
      Alert Verification Reporting System (CAIVRS). (B) Required Documentation (1)
      Narrative Description The prospective Consultant must submit a narrative demonstrating
      that they fully understand the requirements of HUD’s 203(k) Rehabilitation Mortgage
      Insurance Program, and describing their ability to: • conduct Feasibility Studies;
      • review or prepare architectural exhibits; • prepare a Work Write-Up and Cost
      Estimate; I. DOING BUSINESS WITH FHA B. Other Participants 2. 203(k) Consultants
      Handbook 4000.1 82 Last Revised: 11/26/2025 • complete draw request inspections;
      and • prepare Change Order requests. (2) Location and Eligibility The prospective
      Consultant must indicate the states in which they will be doing business and
      provide Consultant Eligibility Requirement documentation for each state. If
      the prospective Consultant will be doing business in more than one state, the
      Consultant must identify the state in which the Consultant will perform the
      majority of their business. (3) State Licenses (a) State-Licensed Architect
      The prospective Consultant must submit proof of current license. (b) State-Licensed
      Engineer The prospective Consultant must submit proof of current license. (c)
      Home Inspector The prospective Consultant must submit: • proof of current license
      if the applicant is located in a state, county, or other local jurisdiction
      that requires the licensing of home inspectors to perform the duties of a 203(k)
      Consultant; or • if a current license is not required, a narrative description
      of their experience. For the purposes of this requirement, FHA considers “located”
      to mean “doing business,” and “license” to mean “license, certificate, registration,
      or approval.” (d) Remodeling or General Contractor The prospective Consultant
      must submit: • proof of current license if the applicant is located in a state,
      county, or other local jurisdiction that requires the licensing of contractors;
      or • if a current license is not required, a narrative description of their
      experience. For the purposes of this requirement, FHA considers “located” to
      mean “doing business,” and “license” to mean “license, certificate, registration,
      or approval.” I. DOING BUSINESS WITH FHA B. Other Participants 2. 203(k) Consultants
      Handbook 4000.1 83 Last Revised: 11/26/2025 (4) Certification for Placement
      and Retention on the 203(k) Consultant Roster Consultants and prospective Consultants
      must submit a 203(k) Consultant Roster Certification on their letterhead. ii.
      Submitting the Application The application documents must be submitted as email
      attachments to the FHA Resource Center at answers@hud.gov. Applications must
      include in the subject line: 203(k) Consultant Application Documents. iii. Incomplete
      Application An applicant who submits an incomplete application package will
      receive notification indicating the information required to cure the deficiency.
      This notification letter will give the applicant 15 Days from the date on the
      letter to correct any deficiencies. If the applicant does not satisfy the outstanding
      requirement in its entirety and within the prescribed deadline, the approval
      will be denied and the applicant must wait an additional 90 Days before re-applying.
      iv. Application Approval FHA will inform the applicant if they are approved
      for placement on the FHA 203(k) Consultant Roster. The approval will be valid
      for a two-year period from the date of initial approval. When the Consultant
      is placed on the Roster, they will be given a recertification due date. Inclusion
      of a Consultant on the Roster means only that the Consultant has met the qualifications.
      It does not create or imply a warranty or endorsement by FHA of the Consultant,
      nor does it represent a warranty of any work performed by the Consultant. Consultant
      Identification Number Each prospective Consultant who is approved will be provided
      a Consultant Identification (ID) number and will be informed of their recertification
      due date. The Consultant ID number is required prior to doing any Consultant
      work associated with any 203(k) Mortgage and must be included on all documents
      that require the Consultant’s signature. v. Application Denial Applicants deemed
      ineligible for placement on the FHA 203(k) Consultant Roster will be informed
      they are not approved for placement on the Roster and the reason the applicant
      has not met the qualifications. To request placement on the Roster, the applicant
      must submit a new application after resolving any issues. I. DOING BUSINESS
      WITH FHA B. Other Participants 3. Direct Endorsement Underwriters Handbook 4000.1
      84 Last Revised: 11/26/2025 vi. Biennial Recertification To retain placement
      on the FHA 203(k) Consultant Roster, the Consultant must recertify every two
      years. The FHA 203(k) Consultant candidate will receive email notification of
      an approved application with the recertification due date, which is two years
      from the application approval date. When the FHA 203(k) Consultant successfully
      completes recertification, they will receive a similar email notification with
      the next recertification due date. The FHA 203(k) Consultant can view the recertification
      due date on the 203(k) Consultants List page. The Consultant is required to
      recertify that they are still in compliance with all laws, regulations, licensing,
      certification, registration, or other approval requirements that govern their
      ability to perform as a 203(k) Consultant in the states where they do business.
      Consultants must submit the required updated certification and attachments by
      email to the FHA Resource Center at answers@hud.gov. The subject line must read:
      203(k) Consultant Recertification. 203(k) Consultants who fail to meet the recertification
      requirements will be removed from the FHA 203(k) Consultant Roster. To request
      reinstatement on the Roster, the Consultant must submit a new application after
      resolving the issue. 3. Direct Endorsement Underwriters'
  judgment: false
