Fha Roof Inspection Requirements

But the fha did want a roof inspection.

Fha roof inspection requirements.

Fha loan property requirements for 2020. These inspections are a supplement to the fha approved appraisal. Affected policy the policies set forth in this mortgagee letter modify or supersede where. The federal housing administration has specific requirements for termite inspections when an fha loan is being used.

Until the buyer calls me for a full home inspection i will do just the roof inspection for the seller. 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. Reminds mortgagees of fha s 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.

Roof the roof must be not have any leaks. There is no explanation for this one. 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 requirements are outlined in hud handbook 4000 1 also known as the single family housing policy handbook.

For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. Use this fha inspection checklist to familiarize yourself with what the appraiser will look for in property requirements and considerations. The primary areas of inspection are the roof the foundation lot grade ventilation mechanical systems heating electricity and crawl spaces when present. 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.

Why don t the buyers get a full home inspection. Hud s primary concern is the health and safety of the home buyer who will actually live in the house. Below you ll find a basic overview of fha inspection requirements for termites and other wood destroying insects. And details claims calculation and documentation requirements for property p p actions.

Effective date this mortgagee letter is effective on february 1 2016. Water heaters the water heater must meet local building. 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. Here are some of the key inspection areas required by hud.

I have done about a dozen of these for the fha criteria for a roof inspection.