I have done several of these transactions with my own clients using a loan officer from Wells Fargo who specializes in these. His name is Jerry Fancher and his email is: firstname.lastname@example.org. You could also call him at 612-386-4367. Perhaps he could help you, or at least point you to someone who could. I actually found Jerry by having him recommended by the loan officer that I usually work with when I was asking the same question that you are now. I truly believe that with any loan, but especially with niche programs like the 203k, it is more about the loan officer's knowledge and tenacity, than the particular institution they might be affiliated with. Some loan officers like doing these, and other don't. Some are good at doing them, and other fumble. That is what I've found.