Fha Roof Layers

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.

Fha roof layers. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof. If more than two layers exist and repair is necessary all of the old roofing must be removed as part of the reroofing. One of the fha rules for the roof requires the appraiser to report if it has less than 2 years remaining life and require it to be replaced.

Water heaters the water heater must meet local building. 4905 1 rev 1 2 12 d. A federal housing administration loan or fha loan has very similar requirements to the va loan. We get many questions about the fha home loan appraisal process including specific questions about certain conditions that may or may not affect the sale of a given home.

As with the va loan an fha loan requires that the roof on a home not be leaking. Fha will accept a maximum of three layers of existing roofing. Here s one of the most recent. Can i get an fha loan on a house if it has 2 layers of shingles and the 2nd layer is less than 20.

The roof should have a remaining physical life of two years. Fha loan appraisal questions. Fha will accept a maximum of 3 layers of existing roofing. A reader asks for an fha loan are there roof requirements on a detached garage or do the requirements solely apply to the roof over the home fha loan rules for property analysis can be found in hud 4150 2.

If more than 2 layers exist and repair is necessary then all old roofing must be removed as part of the re roofing. If the roof has less than two years remaining life the appraiser must call for reroofing or repair. Fha loan reader questions. If it has that many layers certification is likely out of reach unless the whole roof is replaced.

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. This of course is a judgment call that the appraiser is required to make. 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. For this purpose the appraiser is assigned with the responsibility of evaluating the home to ensure that it meets the standards as laid down by the fha and assigns it with the.

Under the roof section we find the following.