List of required repairs for FHA loans

The following is a list of items will not meet FHA’s Minimum Property Requirements.

**This information has been provided by HUD, 2005-ML-48

Exterior

¨ No railings on stairs of front porch or rear patio (Typical for homes that are elevated or have a crawl space)

¨ Visible damage to roof covering (Large portion of missing shingles, tile, etc..)

¨ Evidence of structural problems or settlement

¨ Defective paint surfaces on homes constructed pre – 1978

¨ Cracked/ damaged windows or doors that allow access from exterior of property

¨ Window bars with no emergency release latches (Emergency release latches cannot be locked by key)

¨ Crawl space with no access for inspection, cleaning, etc….

¨ Visible evidence of hazards or pollutants (Car oil in yard, storage of toxic chemicals of any kind, etc…)

¨ If property has a septic tank inspection is required to determine adequate function

¨ If property has a well/ individual water supply an inspection will be required to determine the water is of adequate quality and the well can support the needs of the property.

¨ Evidence of Termites or Wood Destroying Organisms (If evidence or termites is observed treatment will be required, this is usually triggered by the appraisal report)

¨ Pool is empty, has green water, is missing pump or any other systems needed for it to operate.

¨ Missing A/C compressor

¨ Duplex, Triplex, and Fourplex properties must have individual meters for each unit.

Interior

¨ Visible damage to kitchen cabinets, countertops, drywall, flooring, and/or ceiling

¨ Evidence of moisture or leakage in ceiling

¨ Water and electricity is not working (Needs to be turned on for appraisal inspection)

¨ Bathrooms missing bathtub, sink, toilet, and/or any other fixtures

¨ Exposed wires due to missing lighting fixtures, fans, etc….

¨ Inadequate division of the property and/ or illegal efficiency (Converted Garage’s are ok as long as it does not have a kitchen)

¨ Each bedroom must have access to the exterior of the property via a window, sliding glass door, etc…

¨ Plumbing systems must operate properly

¨ Missing a sink, stove, countertops, kitchen cabinets - note – no stove is ok if it nota part of a built-in with cabinets

*The basic rule that FHA abides by is that the property must be habitable and safe for the occupants. The FHA no longer requires many repairs that they used to. They have standardized their appraisal requirements to include that only conditions that affect the structural soundness of a property and the safety of the occupants be repaired. In the state of Florida the FHA prefers that all single family residences have a termite inspection completed, if the property has a well or septic tank an inspection will be required to determine that they are in operable condition.

I