203Ks are fading out, the potential liabilities and overruns in costs are becoming more and more problematic. For these very reasons, we no longer offer them. If you want one just for cosmetic reasons (i.e new carpet, appliances, remodeled kitchen or bathrooms), I would suggest you get into the home now and apply for a Cash Out refi 12 months from now. If not, I'm assuming you've consulted with your realtor and have exhausted that possible means of finding a lender to assist. If so, perhaps, in this forum, you will find a lender still able and willing to do a 203K. If so, because of it current scarsity, prepare to pay a premium for it. Good luck.
Best of luck.
You will need to have a licensed General Contractor perform the repairs, and the contract must be in place at the time of the application, so you will need to get together with your Realtor, mortgage broker, and contractor quickly to start the process.
Please feel free to contact me in I can provide additional information.