The seller is responsible for making repairs after an FHA appraisal. However, buyers with FHA loans can exercise a few options. One solution is to switch from a standard FHA loan to an FHA 203(k) loan. This common strategy folds repair costs into the loan. Buyers interested in fixer-uppers can choose a 203(k) loan to save themselves from inconveniences and delays. If you want to refinance a home the FHA may deem hazardous, consider an FHA 203(k) refinance.