You are not exactly getting accurate information here. If you are planning to only spend $35,000 on renovations, then you can use whatever licensed and insured contractor that you want who is not either a relative of yours, or you are employed by. However, seeing as you are saying that the house is in Roslyn Heights, I am thinking that you probably want to spend more than that. You will then need to have your estimate done by a contractor from an approved list. We were temporarily not doing 203k loans, however we are starting to do them again in another week or so. If you would like to contact me, I would be happy to help you out.