Yes. The full FHA 203(k) lets you finance the repairs yourself, so the seller's cooperation stops being the bottleneck. The Standard 203(k) rolls the renovation cost into the mortgage. It requires contractor bids and approvals, runs slower than a standard loan, and typically carries a slightly higher rate to reflect the added complexity. On the conventional side, Fannie Mae's HomeStyle Renovation program does much the same job. The single most important move is choosing a lender or team that handles 203(k) loans regularly. Relatively few loan officers do them well, and a botched renovation loan is a painful way to find that out. Also make sure your contractor is comfortable with the draw and inspection process these loans require, and confirm the current program requirements for your situation before you write the offer.