respectfully request info to refinance and add water proofing loan consolidation which may take me to total of house value now

The FHA 203k loan allows repairs/improvements to be added to a mortgage. The work typically needs to be completed within 90 days of the mortgage closing. Feel free to call me at 440-953-0447 #15 with any questions. Mike Zuren

If you are asking about refinancing and incorporating a loan you took out for "water proofing" the maximum loan is probably 85% of the current value of your home. If you are inquiring about financing to make additional improvements to the home there are both conventional and FHA options where the loan would be based on the value of the home after the improvements are completed, I can help with either of those options as well - just click my profile above for contact info.

If you have good credit scores, then Conventional's "HomeStyle" renovation loan would be best.. you can go as high as 95% of the improved value, and unlike FHA's 203(K), no consultant is necessary, and your not restricted to which improvements you wish to make.. the benefit is also, no upfront MI charge, and the monthly/annual MI is less than FHA.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Berstemp98, Either the FHA 203k or the FNMA homestyle allow you to consolidate your current mortgage and the water proofing into one loan. Check out www.Ohio203k.com or give me a call 216-324-8113