FHA Loan Requirements in 2026: A Complete Guide for Tucson Homebuyers
May 01, 2020By Derrick Polder • NMLS #207630 • Published: Original Publication Date 6.22.26 • Updated: June 30, 2026
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Home Improvement Wisdom, Straight from the Experts
It's no surprise that HGTV's popular DIY home improvement shows inspire homeowners to tackle renovation projects themselves. With millions of viewers tuning in, these programs make home upgrades look exciting—and often easier than they really are.
While some do-it-yourself projects can improve your home's appearance and even increase its value, not every renovation is ideal for a weekend project. Taking on work beyond your experience can lead to costly repairs, safety hazards, and code violations.
At The Polder Group at CrossCountry Mortgage, we encourage homeowners to start with smaller projects, understand their skill level, and know when it's time to call a professional. Here are several home improvement projects that are best left to the experts.
Replacing a toilet flapper or fixing a dripping faucet can be manageable DIY tasks. However, larger plumbing projects are another story.
Installing a new bathroom, relocating plumbing lines, or making major modifications to your home's plumbing system requires specialized knowledge and permits. Mistakes can lead to water damage, mold growth, and expensive repairs that often cost far more than hiring a licensed plumber from the beginning.
According to remodeling industry data, a professionally completed minor bathroom remodel may recoup a significant portion of its cost when it's time to sell your home, making professional installation a worthwhile investment.
Painting a bedroom or accent wall can be a satisfying DIY project. However, painting an entire home—especially one with vaulted ceilings, multiple stories, or intricate architectural details—can quickly become overwhelming.
If your home was built before 1978, there's another important consideration: lead-based paint. Disturbing older paint without proper safety procedures may create serious health risks for you and your family. In these situations, hiring certified professionals is the safest choice.
When it comes to electrical projects, safety should always come first.
Simple tasks such as replacing a light bulb or plugging in a new lamp are perfectly suitable for most homeowners. Beyond that, electrical work should generally be performed by a licensed electrician.
Projects like installing outlets, upgrading electrical panels, rewiring circuits, or adding new fixtures require specialized training and must comply with local building codes. Improper electrical work can increase the risk of electrical fires, electrocution, and costly code violations.
Flooring projects often appear straightforward on television, but they require precision, experience, and specialized equipment.
Refinishing hardwood floors involves powerful sanding equipment that can permanently damage flooring if used incorrectly. Likewise, installing hardwood, laminate, luxury vinyl plank, or tile flooring requires careful measurements, proper subfloor preparation, and expert installation techniques to achieve professional results.
Hiring an experienced flooring contractor can save considerable time, reduce stress, and help avoid expensive mistakes.
Fortunately, there are plenty of home improvement projects that homeowners can confidently tackle themselves, including:
The internet offers countless tutorials, videos, and design inspiration to help you complete these smaller projects successfully. Following trusted resources—and knowing when to ask for professional help—can make homeownership both rewarding and enjoyable.
One of the greatest benefits of owning a home is the ability to customize your living space to fit your lifestyle. Whether you're planning small cosmetic improvements or dreaming about larger renovations in the future, owning your home gives you the freedom to make it uniquely yours.
If you're thinking about buying a home in Tucson or anywhere in Southern Arizona, The Polder Group can help you explore financing options that fit your goals. Learn more about our Buy a Home resources (https://www.thepoldergroup.com/buy), explore available Loan Programs (https://www.thepoldergroup.com/mortgage-loan-programs-tucson), or review our Loan Process (https://www.thepoldergroup.com/loan-process) to better understand what to expect.
Some projects may add value, especially cosmetic improvements and routine maintenance. However, poor workmanship or unfinished projects can reduce buyer appeal and potentially lower your home's value.
Electrical work, plumbing modifications, structural changes, roofing, HVAC installations, and room additions often require permits. Requirements vary by municipality, so always check with your local building department.
For projects involving plumbing, electrical systems, structural work, or flooring, professional installation often provides better long-term value by ensuring safety, code compliance, and quality workmanship.
Whether you're purchasing your first home, upgrading to a new one, or exploring your financing options, The Polder Group at CrossCountry Mortgage is here to help. Our team proudly serves Tucson and communities throughout Southern Arizona with personalized mortgage guidance and loan solutions tailored to your needs.
Contact us today to discuss your home financing goals or get started with a mortgage pre-approval.
This article is for educational purposes only and does not constitute financial or mortgage advice. Loan programs, rates, and guidelines may change at any time. All loans are subject to credit approval and underwriting. For guidance tailored to your situation, consult a licensed mortgage professional.
By Derrick Polder • NMLS #207630 • Published: Original Publication Date 6.22.26 • Updated: June 30, 2026
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