203k Contractor in South Jersey
Buying a fixer-upper in Camden, Burlington or Gloucester County with an FHA 203(k) loan? MatrixGC writes the lender-ready bid, works with your 203k consultant, pulls the permits and builds the work, so your loan closes on time and the house is finished right.
- Licensed & insured
- NJ permits handled
- Design-build, one team
- 203(k) & renovation financing
How a 203(k) works in South Jersey
An FHA 203(k) loan rolls the purchase price and the renovation into one mortgage with as little as 3.5% down. Camden, Burlington and Gloucester counties are part of the Philadelphia metro area, so they share its FHA loan limits.
- Limited 203(k): non-structural repairs up to $75,000, such as kitchens, baths, roofs, flooring and systems. A HUD consultant is optional.
- Standard 203(k): larger or structural projects with at least $5,000 in repairs, such as additions, layout changes and foundation work. A HUD-approved consultant is required.
- Contingency reserve: lenders usually add 10% to 20% of the repair budget for surprises found during construction.
What we do as your 203k construction company
- Lender-ready bid. Itemized to match the consultant's write-up, so underwriting does not stall.
- Draw schedule. Work is billed in stages that match inspections, the way 203(k) lenders release funds.
- NJ permits. Drawings and filing with your town's construction office.
- One team. Our own project manager from the first walkthrough to the final inspection.
203k loan calculator for South Jersey buyers
Choose your options for an instant ballpark price, then ask us for a free written estimate.
Common South Jersey 203(k) projects
- Split-level and rancher updates in Cherry Hill and Voorhees: kitchens, baths, roofs and HVAC.
- Older homes in Haddonfield and Collingswood: electrical, plumbing and window upgrades.
- Twins and rowhomes in Pennsauken and Camden: full rehabs for owner-occupants.
- Additions and finished basements under a Standard 203(k).
Our 203(k) process
Free consultation
We walk the house with you or your realtor before you make an offer, when possible.
Scope and bid
We price the work to match the consultant's write-up.
Loan closes
Your lender sets the draw schedule.
Permits
Filed with your town's construction office.
Build
Work in stages, with inspections at each draw.
Final walkthrough
Final inspection and the last draw released.
Permits and sales tax in New Jersey
In New Jersey, work that touches structure, electrical, plumbing or mechanical systems generally needs a permit from your town's construction office under the NJ Uniform Construction Code. We prepare the drawings, file the permit and schedule the building, electrical and plumbing inspections.
New Jersey treats most permanent home improvements as capital improvements, which are exempt from sales tax on the labor when the homeowner signs Form ST-8. We give you the form with your contract. 203(k) repair budgets can include the cost of permits.
Towns we serve in South Jersey
Cherry Hill
Haddonfield
Collingswood
Voorhees
Marlton
Moorestown
Mount Laurel
We also work in Pennsauken, Haddon Township, Audubon, Washington Township, Deptford and nearby towns, usually within about 30 minutes of the Ben Franklin and Walt Whitman bridges. See all South Jersey remodeling services.
Get a free 203(k) consultation
Tell us about your project. We reply within one business day to set up a free visit.
203k Contractor FAQ
Do you work with 203k loans in New Jersey?
Yes. We are a 203k contractor for South Jersey buyers in Camden, Burlington and Gloucester counties, and we work with FHA lenders and HUD consultants on both sides of the river.
What is the most a Limited 203(k) covers?
A Limited 203(k) covers up to $75,000 of non-structural repairs. Structural work or larger budgets need a Standard 203(k).
How long does a 203(k) renovation take?
Most Limited 203(k) projects take 4 to 10 weeks after closing. Standard 203(k) projects with structural work usually take 2 to 6 months.
Can a 203(k) pay for an addition or finished basement?
Yes, under a Standard 203(k). See our South Jersey home additions and basement finishing pages.
Do you also work in Philadelphia?
Yes. See our Philadelphia 203k contractor page.
Related South Jersey services
203k contractor · Home additions · Basement finishing · Deck builders · Kitchen remodeling · Bathroom remodeling · All South Jersey services