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Sticking to the parameters you provided I went to work to see what we would be able to do.. The Homestyle loan would have been perfect for you, however the seller has already agreed to pay for the work with a funded escrow holdback. Our guides allow for the LESSER of 10K or 10% of the value to be put into a escrow holdback. So I asked for an EXCEPTION and GOT ONE from way up top ;) It was all based on your high credit score, 10% down payment, you having reserves after closing and the lock being good through competition of the project.
The best part is your org fee will NOT even come close to 1%. Contact me through my profile and lets close it next month for you.
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For Sale: $229,900
For Sale: $259,900
For Sale: $249,000