203K Refinancing or Bridge Loan Funding or something else - Zillow

Hello,

I currently have a 203k loan that I had got in 2010, I used the mortgage to buy n renovate. Due to unavoidable circumstances the work stopped as the work is costing more than the initial contractor's estimate who eventually walked away from the job leaving me stranded. I need more funds than what was originally approved to get the work completed.

What are my options to get the financing n get the work completed.

1) Since the original loan was in 2010, property values have increased by 10-15% in my part of NJ. Think I can get a cash-out Refi using the After Repair Value of the house?

2) If refi doesn't work, can I avail some kind of Bridge loan and what might that cost me, as the After Repair Value of the house will be lower than 75% LTV of the total funding needed.

3) Any other option that I don't know of?

Source: http://www.zillow.com/advice-thread/203K-Refinancing-or-Bridge-Loan-Funding-or-something-else/468841/

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