Fha Roof Inspection Requirements

The federal housing administration has specific requirements for termite inspections when an fha loan is being used.

Fha roof inspection requirements. Fha loan property requirements for 2020. Fha minimum property standards fha inspection requirements. Water heaters the water heater must meet local building. These inspections are a supplement to the fha approved appraisal.

Reminds mortgagees of fha s inspection requirements. I have done about a dozen of these for the fha criteria for a roof inspection. The condition of the roof is important as it s a major source of headaches for a home owner if there is a problem down the line. These requirements are outlined in hud handbook 4000 1 also known as the single family housing policy handbook.

Appraisal requirements for fha mortgage loans are found in hud 40001 and include guidelines for electrical systems plumbing paint and also requirements for the roof. The fha fee appraiser is not required to enter crawlspaces walk on roofs or perform other duties for which they have no specialized equipment or safety gear for that s something to discuss with a home inspector. Why don t the buyers get a full home inspection. If you would like to purchase a home using a fha loan it is important to understand the property requirements that determine if a home is eligible to be financed using an fha mortgage.

For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. Here are some of the key inspection areas required by hud. If the inspection reveals the need for roof repairs and the roof already has three or more layers of roofing the fha requires a new roof. Effective date this mortgagee letter is effective on february 1 2016.

The primary areas of inspection are the roof the foundation lot grade ventilation mechanical systems heating electricity and crawl spaces when present. That means it must be worth the purchase price and have such basics as electricity drinkable water adequate heat a stable roof fire exits and more. But the fha did want a roof inspection. There is no explanation for this one.

And details claims calculation and documentation requirements for property p p actions. Affected policy the policies set forth in this mortgagee letter modify or supersede where. Hud s primary concern is the health and safety of the home buyer who will actually live in the house. Roof the roof must be not have any leaks.

Qualifying for an fha loan for your new home must first satisfy a strict fha inspection including criteria for health safety and security.