203k lenders in New Jersey?

[Derrick K.]

Hi folks - I am putting in an offer on a short sale that needs some work. Will require floors, roof, painting to start. The listing agent thinks that it will require a rehab loan but who makes this determination? If rather avoid this as I hear he costs are quite high. Secondly, not all lenders do hear loans so does anyone have any reputable contacts that can help me getting a quote? Thanks!!