The Homestyle Loan is designed to ensure that renovations meet specific quality and safety standards, and using licensed contractors helps achieve this goal. DIY projects, where the homeowner is performing the renovations personally, may not align with these requirements.

However, certain tasks within the renovation project that do not require professional licensing, such as painting or certain landscaping elements, may be eligible for a DIY approach. It’s crucial to communicate with your lender and clarify the specific details of your proposed DIY work to ensure compliance with the Homestyle Loan guidelines.