Exclusions and Endorsements:  these change the coverage under the policy.  

One of them is to lookup the 203k endorsement summary on Google.

Unless we know your entire story as well as your accountant (hopefully) does, we cannot endorse or criticize it. 

I'm neither endorsing nor dismissing the DIY service they offer.

Check out the HUD 203k Endorsement Summary Reports and the HUD FHA Lender List.

Are you using a bank or lender that is a Direct Endorser/Full Eagle meaning underwrites their own loans has delegated authority with FHA, VA, USDA, HUD...makes a huge difference7.

Service Borrower did shop for: $2,689.00> Title Recording Fee: $ 25.00> Title Settlement/Closing Fee: $1640.00> Title Signing fee: $175.00> Title Endorsement Fee: $25.00> Title Insurance Fee: $824.00> Title Processing Fee: 00.00Total Loan Costs: $5342.06                               OTHER COSTSE.

I fully endorse more education and by extension attending a 4 year university. 

I don't want to start recommending products or things here as I don't want it to appear as an endorsement, so you can feel free to send me a message if you want to discuss further.

That said, I have heard however that states with a higher urban population have an endorsement on primary owner-occupied residences though that cover a rented ADU.