01
In-House Consultant + Engineer
FHA-approved 203(k) Consultant and licensed engineers on staff. One team, not three vendors. Faster underwriting, faster close, faster construction start.
203(k) Renovation Loans · Baltimore Area
203(k) contractor for the Baltimore area.
One contractor. Lender-ready bid packages. Draw-schedule discipline. We've run this play hundreds of times.
What makes us different
We don't hand you off.
Consultant. Engineer. Contractor. All in-house. All accountable to one timeline.
How most 203(k) jobs work
- Find your own HUD-approved 203(k) Consultant
- Hire a separate engineer for drawings
- Coordinate three parties' schedules
- Three sets of fees, three invoices
- Change orders bounce between consultant, contractor, lender
- Average pre-close timeline: 30–45 days
How we work
- In-house FHA-approved 203(k) Consultant — work write-ups, draw inspections, change orders, HUD documentation
- Licensed engineers on staff — structural drawings, HUD-required plans, signed and sealed
- One schedule. One signature. One invoice.
- Change orders documented and approved same-day, in-house
- Average pre-close timeline: 15–25 days
Most 203(k) buyers save 2–3 weeks vs. assembling these professionals separately. Our in-house team has run this play hundreds of times — HABC vacant unit contracts and FHA Standard rehabs alike.
Why 203k buyers choose MBR
Why 203k buyers choose MBR.
02
Lender-Ready Bids
Itemized cost breakdowns, scope of work, draw schedule. Format approved by 203k lenders and HUD consultants.
03
We Know the Draws
Five-draw inspection schedule. We hit inspection-ready milestones on time so your draws release without delay.
04
HUD Consultant-Friendly
Change orders processed in-house and approved through proper HUD channels. No back-and-forth with outside consultants.
05
Closed on Time
Most 203k closes have a tight construction timeline. We start within 14 days of closing and finish within the loan term.
Process
The 203k process — how it works.
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01
Find the Property
You (or your realtor) identify a property that qualifies for 203k financing.
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02
Initial Walk-Through
We meet you at the property. Review scope, condition, your wish list. Free, no obligation.
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03
Lender-Ready Bid Package
Itemized scope, line-item costs, draw schedule. Delivered within 5 business days.
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04
Underwriting
Your lender + HUD consultant (for Standard 203k) review our package. We respond to any revisions.
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05
Close + Start
Lender funds escrow. We pull permits and start work within 14 days of close.
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06
Draws + Completion
Inspections on schedule, draws release on time, final walk + punch list closes the loan.
203k Specialties
What we commonly do under 203k.
- Kitchen remodels
- Bathroom remodels
- HVAC, plumbing, electric upgrades
- Roofing, siding, gutter replacement
- Window + door replacements
- Flooring throughout
- Drywall + paint (whole-home)
- Decks + outdoor work
- Code compliance + safety upgrades
- Accessibility (ADA) modifications
Pricing Reference
Two loan tracks. Two scope envelopes.
$5K – $35K
203(k) Limited (Streamline)
Kitchen + bath update, HVAC replacement, paint + flooring throughout.
$35K – $250K+
203(k) Standard
Full rehabs, additions, foundation work, major system overhauls.
Partner Lenders + Realtors
Need a 203k lender or realtor?
We work with several FHA-approved 203(k) lenders and realtors who specialize in 203k-eligible properties across the Baltimore area. If you're shopping for a lender or agent, we can introduce you.
Request Lender + Realtor IntroductionsRecent 203k projects
Recent 203k projects.
Featured 203k projects across the Baltimore area — addresses anonymized for client privacy.
Patterson Park rowhome
203(k) Limited · Kitchen + 2 baths + HVAC
Hamilton 3BR colonial
203(k) Standard · Whole-home + roof
Reservoir Hill rowhome
203(k) Standard · Gut + addition
★★★★★ 4.6 on Google · 40 reviews
What Baltimore homeowners say
★★★★★
Steve and his team did a great job on my kitchen remodel. Sergio and Frank were respectful and did clean, quality work. From the demo phase to installing cabinets, granite and plumbing, the process went smoothly. The kitchen looks great and I will be going back to these guys for more work in the future!
★★★★★
Monarch Bay did an incredible job with the complete renovation of our master suite bathroom. All the old fixtures, cabinets, tub, shower, toilet, walls and flooring were removed and an extraordinary new bathroom resulted. We told them what we wanted and the team delivered. Our bathroom is stunning. We highly recommend Monarch Bay Renovations.
★★★★★
Steven and his team completed a 3-level renovation of my newly purchased home. They took the time to ensure my vision was possible and within budget while keeping quality. Even after construction was completed they were just as attentive, answering any questions I had. I would choose Monarch Bay for any of my future renovation needs.
Begin
Send us the property. We'll send back a lender-ready bid.
Walk-through within 5 business days. Lender-ready bid package — itemized scope, line-item costs, draw schedule — within 5 business days of the walk.
Or call (443) 602-9300.
Begin
Have a property in mind? Let's walk it together.
Free walk-throughs across the Baltimore metro. Lender-ready bid package within 5 business days.