As John references below, the guidelines are determined by FHA, not the specific lender that you choose. The lender is dictated to follow the FHA guidelines. The primary questions are which lenders will fund a FHA 203K loan and does the property qualify? There are not very many lenders in Central Arkansas who will fund a 203K loan. I have many different lender contacts and would be glad to make some calls to see who is available. You can contact me at 5015809151 or firstname.lastname@example.org and lets discuss the options.