Fha Bare Floors

On monday september 14th 2015 there are big changes when it comes to fha appraisals this is the date that hud has decided to make appraisers much more than they are qualified to be inspectors termite pest control experts title attorneys structural engineers appliance experts roofing experts etc.

Fha bare floors.

Federal housing administration fha loans must meet safety. When observing the crawl space the appraiser will make sure that the floor joists are sufficiently above the ground level to provide access for maintaining ductwork and plumbing. She has done the appraisal as is but stated floor covering is required. Department of housing and urban development 451 7th street s w washington dc 20410 telephone.

Water in the crawl space is a definite no no as is significant water standing in. Department of housing and urban development. A reader asks i have an appraisal prepared by fha approved appraiser. The condo is livable and safe and has all other walls and windows etc.

In september 2005 the federal housing administration fha issued mortgagee letter 2005 34 which announced the adoption of four of fannie mae s revised appraisal reporting forms as well as the release of revised appendix d of handbook 4150 2 chg 1. This is one of the biggest hot spots for an fha appraiser and rightly so. A quick glance under a sink to see rotting floors and moldy walls will nix a loan every time. Fha single family housing policy handbook pages 15 16.

Crawl spaces need to be free of debris like the one in the picture here. Watch for soft floors around toilets and tubs leaky faucets roof leak stains in the ceiling. Frequently asked questions fha resource center bulletin board accessed march 21 2020. Paragraph 3 6 c referencing bare floors badly soiled carpeting and cracked plaster and.

The home has some bare concrete slabs which aside from having no carpet are otherwise perfectly sound. I am selling a condo that has scruffy carpet in most of the house and the kitchen only has bare concrete to accept tile or whatever new owner wants and the floors are safe to walk on. Question is does fha accept the floor to be painted with a sealer. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders.

There is no fha requirement to cut open walls ceilings or floors to make the attic accessible. We have found contradicting info on if bare concrete slab flooring is acceptable for approval of an fha home under an as is appraisal. Will it pass fha inspection.