Home Improvement Stores as Contractor for 203(k) Loan?

[Brandon Reed]

For a 203(k) loan, it’s my understanding that you can use a maximum of 2 contractors (e.g. 1 Plumber, 1 A/C Technician) before needing to actually hire a General Contractor to supervise the work and sub-contractors.

We are trying to not hire a GC, so would like to keep the work we do limited to only 2 contractors.

Does anyone know if I could list a Home Improvement Store (Home Depot, Lowes, etc) as a contractor? That way we don’t need to get a contractor to do our flooring, one to do our water heater, one to do our countertops, etc. We could essentially just list Home Depot, for example, as a single contractor and they could do several components of the work.

Anyone know if that’s possible?

Thanks so much!