Residential / FHA / 203(k) Consultants
FHA 203(k) · Consultant Directory
FHA 203(k) Consultants.
788 HUD-approved consultants across 51 states. Required on every FHA 203(k) Standard loan with structural work or a rehab budget over $35,000.
What a 203(k) Consultant does, and when you need one.
An FHA 203(k) Consultant is the HUD-certified professional who scopes the rehab work, writes the specifications, generates the cost estimate, monitors progress, and signs off on each draw release. The consultant is the technical bridge between the borrower's vision and FHA's underwriting and inspection requirements.
You need one on every 203(k) Standard loan — any loan with structural work or with a rehab budget above $35,000. You don't need one on the 203(k) Limited (Streamline) program for cosmetic/non-structural repairs at $35,000 or less.
Most lenders accept any HUD-certified consultant licensed for the property state. Browse below to find the active roster in your state, and we'll match the right consultant to your deal when we structure the loan.
Sourced from HUD CHUMS CNSLTANT-DATA.txt — generated 2026-04-26. Expired consultants (41 of 829) are filtered out.
Active Consultants
788
Nationwide
States Represented
51
Plus DC + territories
Most Consultants
Florida
70 consultants
HUD ID Format
L####
Letter + 4 digits
Browse by state
Consultant directory.
788 consultants. Click a state to see the full roster with contact info.
FAQ
Common questions about 203(k) Consultants.
What does an FHA 203(k) Consultant do?
The 203(k) Consultant inspects the property, prepares the work write-up and cost estimate, monitors the rehabilitation progress, prepares draw-request inspections, and signs off on completed work. The consultant is required on FHA 203(k) Standard loans (any loan with structural work or where the rehab budget exceeds $35,000).
Is a consultant required on the 203(k) Limited / Streamline?
No. The 203(k) Limited (Streamline) program — used for cosmetic and non-structural repairs up to $35,000 — does not require a HUD 203(k) Consultant. The 203(k) Standard program does.
How do consultants get on this list?
HUD certifies 203(k) Consultants through an application + exam process under HUD Handbook 4000.1 Section II.A.6.b. Each consultant is assigned a 5-character ID (letter + 4 digits) and must recertify periodically. Active consultants appear in the HUD CHUMS public roster, which this directory mirrors.
Why is this directory different from HUD’s online lookup?
It’s the same data — pulled directly from HUD’s CHUMS file (CNSLTANT-DATA.txt). We organize by state, format phone numbers, and link consultants alongside the FHA 203(k) loan information so a borrower can scope the loan and the consultant in one place.
How do I pick a consultant?
Most lenders accept any HUD-certified 203(k) Consultant in the property state. Beyond certification, look for: experience with the type of property and scope you have, response time, and whether the consultant’s fee schedule fits the deal. Consultant fees are paid out of the loan and tied to the rehab budget per HUD’s schedule.