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FHA Approved · HUD Compliant

FHA 203(k) Approved Contractor in Maryland

Key Tov Construction is an FHA 203(k) approved general contractor serving Baltimore City, Baltimore County, Owings Mills, Towson and the surrounding Maryland communities. We handle the complete renovation, the lender paperwork, the HUD draw inspections, and every step of compliance so your 203(k) loan closes and your project gets built.

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FHA 203k renovation project completed by Key Tov Construction in Maryland
FHA Approved Contractor
MHIC Licensed in Maryland
HUD Compliant Renovations
100% Lender Coordination
The Contractor Difference

Why Your FHA 203(k) Project Needs an Approved Contractor

An FHA 203(k) renovation is not a typical remodeling project. Funds are released through an escrow draw schedule, every line item must meet HUD minimum property standards, and the lender requires precise documentation at each stage. A contractor without 203(k) experience can delay your closing by weeks or trigger draw denials that stall your project.

1

Lender-Ready Scope of Work

Your lender will not approve a generic remodeling estimate. We prepare itemized, line-by-line scopes of work with materials, labor, and timelines formatted exactly how 203(k) underwriters expect to see them.

2

HUD & FHA Compliance

Every renovation funded through a 203(k) loan must meet HUD minimum property standards. We know which repairs are required, which are optional, and how to keep your project in full compliance from start to finish.

3

Draw Schedule Management

203(k) renovation funds are released in stages after inspections. We coordinate directly with your lender and HUD consultant on each draw request so payments release on time and your project keeps moving.

FHA 203k Certified Contractor Seal
Our 203(k) Contractor Credentials

What Sets Key Tov Apart on FHA 203(k) Projects

  • FHA 203(k) approved contractor with direct lender and consultant working relationships
  • Maryland Home Improvement Commission (MHIC) licensed and fully insured
  • Experienced with both Standard 203(k) and Limited 203(k) renovation loan types
  • Handles complete demos, structural repairs, mechanical upgrades and finish work in-house
  • Proven track record on Baltimore City rowhomes and older Maryland properties
  • Direct communication with your HUD consultant on draw inspections and revisions
How We Work

Our FHA 203(k) Contractor Process

From your initial walkthrough through final draw release, here is what working with Key Tov Construction looks like on an FHA 203(k) renovation project.

Property Walkthrough

We meet you at the property (purchase or refinance) and identify required repairs to meet HUD minimum property standards plus the upgrades you want.

Detailed Scope & Estimate

We prepare a lender-ready itemized scope of work with materials, labor, line-item costs and timeline. Submitted in the format your 203(k) underwriter expects.

Consultant & Lender Coordination

We work directly with your HUD 203(k) consultant on the work write-up and respond quickly to lender revision requests so your loan closes on schedule.

Renovation Execution

Demo, structural work, plumbing, electrical, HVAC, kitchen, bathroom and finishes. All work performed to HUD standards and ready for draw inspection.

Draw Inspections

We schedule and prepare for each HUD draw inspection. Proper documentation submitted so draw funds release on time and the project keeps moving without payment delays.

Final Completion & Closeout

Final inspection passed, project closed out with the lender, and remaining draw funds released. Your renovated home delivered fully compliant and ready to enjoy.

Project Types

FHA 203(k) Renovation Projects We Complete

We handle both Standard 203(k) and Limited 203(k) renovation projects across Maryland. Whether you are buying a fixer-upper or refinancing for major repairs, we cover the full scope of work approved under the 203(k) program.

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Full Home Renovations

Complete interior demo and rebuild for major fixer-uppers.

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Kitchen Remodeling

Cabinets, countertops, plumbing, electrical and finishes.

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Bathroom Renovations

Plumbing relocation, tile, vanities, fixtures and ventilation.

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Structural Repairs

Framing, foundation work, load-bearing wall modifications.

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Electrical Upgrades

Panel upgrades, full rewiring and code-compliant updates.

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Plumbing Systems

Repipes, sewer line work, fixture relocation and water heaters.

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Roofing & Exterior

Roof replacement, siding, gutters and exterior structural fixes.

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HVAC Replacement

Heating, cooling and ventilation system installation and upgrades.

See The Work

FHA 203(k) Renovation Work in Action

Watch our team at work on full home renovations and demolition projects across Maryland. These videos show the scale and quality of work we deliver on FHA 203(k) funded projects.

Full Home Renovation

Complete interior renovation showing the scope of work funded through FHA 203(k) loans.

Full House Demolition

Interior demo work on older Maryland properties prior to FHA 203(k) renovation.

Project Showcase

Recent FHA 203(k) Renovation Work in Maryland

A look at some of our recent FHA 203(k) renovation projects across Baltimore and the surrounding Maryland counties.

FHA 203k renovation interior work in Maryland
FHA 203k bathroom renovation by Key Tov Construction
Maryland 203k loan contractor renovation project
Certified 203k contractor renovation work in Baltimore
Maryland Coverage

Where We Take FHA 203(k) Contractor Projects

Our FHA 203(k) renovation contractor services concentrate on the Baltimore metro area and reach across central Maryland. Below are the cities and counties where we currently accept new 203(k) renovation projects.

Primary Service Area (Baltimore Metro)

  • Baltimore City
  • Baltimore County
  • Pikesville
  • Owings Mills
  • Towson
  • Mt. Washington
  • Catonsville
  • Reisterstown

Extended Maryland Coverage

  • Howard County
  • Anne Arundel County
  • Montgomery County
  • Annapolis
  • Columbia
  • Ellicott City
  • Glen Burnie
  • Severn Park
Contractor FAQ

Common Questions for Your FHA 203(k) Contractor

Frequently asked questions about working with Key Tov Construction on your FHA 203(k) renovation. For general loan program questions, see our FHA 203(k) loan guide.

What makes a contractor "FHA 203(k) approved"?
FHA does not maintain a single national "approved contractor" list. Approval is established by meeting three requirements: holding the proper state contractor license (in our case the Maryland Home Improvement Commission license), carrying required insurance, and being accepted by the lender on your specific 203(k) loan based on credentials, references and the submitted scope of work. Key Tov Construction meets all three criteria and has the documentation lenders need to approve us on your project.
Can you work with my lender, or do I need to use yours?
We work with whatever 203(k) lender you choose. Once you have selected your lender, we coordinate directly with them throughout the process, including the work write-up review, scope revisions, draw inspections and final closeout. If you do not have a lender yet, we can suggest Maryland lenders who handle FHA 203(k) loans regularly.
How long does an FHA 203(k) renovation take?
From loan closing to final draw, most projects run 3 to 6 months depending on scope. A Limited 203(k) with cosmetic repairs may finish in 60 to 90 days. A Standard 203(k) with structural work, full kitchen and bathroom renovations and mechanical upgrades typically runs 4 to 6 months. We give you a realistic timeline in the scope of work submitted to your lender.
What happens if my project goes over budget?
Most 203(k) loans include a contingency reserve (typically 10 to 20 percent of the renovation budget) specifically for unexpected costs discovered during construction. If a true overage occurs beyond the contingency, we work with you and the lender to either reduce scope on remaining work or document the change for approval. Because we prepare detailed line-item scopes upfront, surprises are rare on our projects.
Do you handle the HUD draw inspections?
We do not perform the draw inspections (that is the role of your HUD 203(k) consultant), but we schedule them, prepare the work and documentation needed at each inspection point, and respond to anything the consultant flags. We coordinate every draw so funds release on schedule and your project keeps moving without payment gaps.
Do I need a 203(k) consultant for my project?
It depends on the loan type. A Standard 203(k) (renovations over $35,000 or involving structural work) requires a HUD-approved 203(k) consultant. A Limited 203(k) (cosmetic repairs under $35,000) does not require one. We work with consultants regularly and can recommend HUD-approved Maryland consultants if you need one for your project.
What types of properties qualify for an FHA 203(k) loan in Maryland?
Most owner-occupied single-family homes, 1 to 4 unit properties, FHA-approved condos and Maryland rowhomes qualify. The property must become the borrower's primary residence within 60 days of closing. We see 203(k) projects most often on older Baltimore City rowhomes, suburban single-family homes needing modernization and properties with deferred maintenance that traditional loans will not finance.
More Resources

FHA 203(k) Loan Information & Related Services

New to the FHA 203(k) program or want to explore related Key Tov services? These pages will help you decide if a 203(k) loan is right for your renovation.

FHA 203(k) Loan Guide

Complete guide to how FHA 203(k) renovation loans work in Maryland, including requirements, qualifying repairs and the approved consultant directory.

READ THE GUIDE →

Kitchen Remodeling

Many 203(k) renovations include full kitchen remodels. See our kitchen remodeling service page for what we deliver.

VIEW KITCHEN SERVICES →

Bathroom Remodeling

Bathroom renovations are some of the most common 203(k)-funded projects. See how we handle bathroom remodels.

VIEW BATHROOM SERVICES →

Ready to Start Your FHA 203(k) Renovation in Maryland?

Schedule a free consultation with Key Tov Construction. We will walk the property with you, discuss your renovation goals, and prepare the lender-ready scope of work needed to get your 203(k) loan approved.

Request Your Free Estimate Or call us directly: (443) 645-4505