Fha Roof Inspection Requirements

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

Fha roof inspection requirements.

These requirements are outlined in hud handbook 4000 1 also known as the single family housing policy handbook. 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. 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.

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. Effective date this mortgagee letter is effective on february 1 2016. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. Reminds mortgagees of fha s inspection requirements.

Why don t the buyers get a full home inspection. 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. Below you ll find a basic overview of fha inspection requirements for termites and other wood destroying insects. Fha loan property requirements for 2020.

And details claims calculation and documentation requirements for property p p actions. 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. Fha minimum property standards fha inspection requirements. I have done about a dozen of these for the fha criteria for a roof inspection.

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. These inspections are a supplement to the fha approved appraisal. Until the buyer calls me for a full home inspection i will do just the roof inspection for the seller.

Water heaters the water heater must meet local building. The federal housing administration has specific requirements for termite inspections when an fha loan is being used. Affected policy the policies set forth in this mortgagee letter modify or supersede where. 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.

Use this fha inspection checklist to familiarize yourself with what the appraiser will look for in property requirements and considerations.