Know Before You Owe

Jim Black

Know Before You Owe with Jim Black brings you conversations with top voices in real estate, finance, and entrepreneurship. Each episode explores practical lessons, industry insights, and personal stories from leaders shaping the future of housing and business. Whether you’re an investor, agent, or entrepreneur, this podcast helps you stay informed, inspired, and ready to grow.

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Know Before You Owe

Episodes (15)

Dec 15, 2025 How 203K Renovation Loans Actually Work
Dec 1, 2025 How Real Branding Actually Works with Liz Kroft
Nov 25, 2025 The Truth About Home Inspections with Paige Bohrer

Know Before You Owe

Dec 15, 2025
10½ minutes
13 MB

In this episode of Know Before You Owe, I break down the entire 203K renovation loan process so you can stop relying on rumors, myths, and that one uncle who “knows a guy.” I go through the limited 203K, the standard 203K, the HUD consultant process, and how I build a real scope of work instead of the classic “we’ll figure it out later” approach that destroys budgets and hope. We cover contractor requirements, loan eligibility, owner-occupied rules, refinance options, construction timelines, draw schedules, and everything else people pretend to understand. You’ll hear the story of my own 20...

Know Before You Owe

How 203K Renovation Loans Actually Work

Jim Black

00:00 -09:35