Crawl spaces need to be free of debris like the one in the picture here.
Fha worn floors.
Missing carpet over a wood sub floor if carpet is missing over a concrete floor not an issue fha considers concrete to be a permanent floor.
Some houses have stained ceilings due to leakage in the roof.
Stained ceiling or roof.
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In addition the fha doesn t place too much emphasis on minor cosmetic defects delayed maintenance and normal wear and tear.
It is considered to be exposed foundation to fha and must be covered.
There is no fha requirement to cut open walls ceilings or floors to make the attic accessible.
A well must also be at least 10 feet back from a property line.
However most lenders may want this addressed.
The fha rule for minimum distance that must exist between wells and sources of pollution can be a potential game changer.
Marred sheetrock and doors with holes or nails punched in them or worn out carpets and tiles will also have an adverse effect on the appraisal of your home.
When reviewing your closing checklist or simply trying to plan for all the expenses of your fha home loan the appraisal and the optional but vital home inspection are two of the expenses you ll need to save for.
Fha requirements for wells and septic tanks.
Overview of fha appraisal guidelines for 2020.
At a minimum the appraiser must complete the following steps.
The federal housing administration fha does not require the repair of cosmetic or minor defects deferred maintenance and normal wear if they do not affect the safety security or soundness of.
For example the distance between a well and a septic tank on a property must be at least 50 feet.
If the damage is current you cannot do much about it but if in past you had a leaking roof that is now repaired take the time to repaint the ceiling.
Exposed concrete concrete flooring or concrete floor that is acid stained or painted is no longer acceptable flooring.
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Fha safety requirements may seem excessive.
Broken or missing windows.
The appraisal is required as a condition of loan approval the inspection is optional but borrowers cannot make a truly.
When observing the crawl space the appraiser will make sure that the floor joists are sufficiently above the ground level to provide access for maintaining ductwork and plumbing.
According to the 2020 fha appraisal guidelines all properties being purchased with an fha insured mortgage loan must be appraised by a licensed hud approved home appraiser.
Appraisal rules for fha loans.
Visually inspect the subject property both inside and out.
But keep in mind many of these issues can be solved.
