Fha Max Roof Layers

If it has that many layers certification is likely out of reach unless the whole roof is replaced.

Fha max roof layers.

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. For many years it was acceptable to put even the third layer. Hud requires that the roof have at least 2 years remaining life the condition must clearly state whether the roof is to be repaired or re roofed.

Fha will accept a maximum of 3 layers of existing roofing. 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. The two layer maximum is the rule of thumb because the weight of the shingles plus a load of winter snow can stress the framing of the roof. Fha will accept a maximum of 3 layers of existing roofing.

On most flat roofs such as epdm tpo or modified it is perfectly acceptable to two layers of roofing. But that s not all the fha also requires a minimum amount of durability. 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 inspection reveals the need for roof repairs and the roof already has three or more layers of roofing the fha requires a new roof.

If the roof has less than two years remaining life then the appraiser must call for re roofing or repair. As with the va loan an fha loan requires that the roof on a home not be leaking. Water heaters the water heater must meet local building. A federal housing administration loan or fha loan has very similar requirements to the va loan.

Also with multiple layers of roofing the nails or. Fha loan appraisal questions. The roof should have a remaining physical life of at least two years. Asphalt shingles typically can have one more layer added over the top two roofs total.

This of course is a judgment call that the appraiser is required to make. 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. If more than 2 layers of existing roofing and repair is necessary then all old roofing must be removed as part of the re roofing.