I get a lot of questions about FHA Inspections, and it's about time I sat down and blogged about it. Here are the most common questions I get asked about standard FHA loans. This information does not apply to FHA 203(k) Loans.
Can You Do The FHA Inspection? FHA loans do not require a home inspection, they require an appraisal. The appraiser does this. These are often mistaken for an inspection. Home inspections are still strongly encouraged.
How Can I Pass The FHA Inspection? First, see above. FHA appraisals require the appraiser to look for obvious defects with the house, but the appraiser never requires repair of these items - the underwriter does. Trying to figure out exactly what might require repair is a bit of a guessing game, and often has much more to do with the people doing the appraisal and the underwriting than it does the property itself. Nevertheless, here is a partial list of some common defects that get flagged:
Do I Need An FHA Certified Inspector If I'm Getting An FHA Loan?No. The home inspection is completely independent of the FHA loan.
Reuben Saltzman, Structure Tech Home Inspections - Email - Minnesota Home Inspector
Can You Do The FHA Inspection? FHA loans do not require a home inspection, they require an appraisal. The appraiser does this. These are often mistaken for an inspection. Home inspections are still strongly encouraged.
How Can I Pass The FHA Inspection? First, see above. FHA appraisals require the appraiser to look for obvious defects with the house, but the appraiser never requires repair of these items - the underwriter does. Trying to figure out exactly what might require repair is a bit of a guessing game, and often has much more to do with the people doing the appraisal and the underwriting than it does the property itself. Nevertheless, here is a partial list of some common defects that get flagged:
- Chipping / Peeling / Flaking Paint
- Rotting wood
- Electrical outlets or switches that are defective
- Plumbing leaks
- Non-functional heating plant or AC
- Roofs with less than two years of life left
- Missing or badly damaged floor coverings
- Obvious structural problems
Do I Need An FHA Certified Inspector If I'm Getting An FHA Loan?No. The home inspection is completely independent of the FHA loan.
Reuben Saltzman, Structure Tech Home Inspections - Email - Minnesota Home Inspector
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