Great information to know when considering using the FHA

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Are you a buyer or seller considering working with the FHA? Below is helpful information about what an FHA appraiser will be looking for when you are buying or selling a property.

Types of FHA Repairs That Must be Completed Prior to Closing an FHA Loan

  • Peeling paint in homes built before 1978
  • Broken rain gutters
  • Rotting out-building in need of demolition
  • Exterior doors missing
  • Exposed wiring and uncovered junction boxes
  • Major plumbing issues and leaks
  • Inoperable HVAC systems
  • Leaky or defective roofs, roofs with a life expectancy of less than 3 years, composition over shake
  • Active and visible pest infestation
  • Rotting window sills, eaves, and support columns on a porch
  • Missing cooking surface
  • Foundation or structural defects
  • Wet basement
  • Evidence of standing water in the crawl space
  • Empty swimming pool without a working pump and pools with mosquito fish
  • Ripped screens
  • No pressure relief valve on water heater
  • Leaning/broken fence
  • More than three steps without hand rail if it looks to be a safety issue (based on appraiser’s opinion in most cases)


Types of FHA Repairs That Are Not Necessary to Fix Before Closing

  • Peeling paint in homes built AFTER 1978
  • Cracked glass in windows
  • Minor plumbing defects such as a dripping faucet
  • Missing handrails with less than three steps
  • Damaged wall coverings or defective floor finishes
  • Beat-up or damaged exterior doors that still open and close
  • Trip hazards such as heaving sidewalks
  • Removal of debris under the house
  • Lousy workmanship
  • Evidence of previous or inactive pest infestation
  • Test of wells unless required by local jurisdictions or if water is suspected of contamination
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