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The FHA 203(k) Loan will allow you to refinance your current mortgage and include in your new loan amount the cost of those repairs, up to $35,000.The Appraisal on your home would be based on the 'as improved' value of the home, so this could make up the difference between what you need for Equity and what you have.You can google the FHA 203(k) loan program to get more information, but this would be one of the better options at your disposal.Best of luck to you and happy holidays!
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For Sale: $135,000
For Sale: $169,900
For Sale: $199,900