FHA Inspection Concerns:
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FHA generally requires Kitchens and Bathroom outlets to be GFCI protected.
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FHA generally requires running water and and operational faucets and toilets in kitchens and bathrooms.
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What Does An FHA Inspector Look For?
As most Realtors know when your customer is purchasing a home and going with a FHA mortgage there must at least one mandatory FHA inspection that must be completed by the lender prior to the closing.
As a Home Inspector I often get asked what does a FHA inspector/appraiser look for during a FHA inspection, and what type of things will cause a property to fail a FHA inspection? So we researched this information and found a so called FHA inspection list of things that should be flagged during an FHA inspection/appraiser.
The Information below is a full list of “minimum FHA property requirements,” which basically is a FHA inspection list. This should not be taken as a formal check list used by a FHA inspector but used as a good set of guidelines. Just because you meet these entire requirement doesn’t mean you’ll pass an inspection, and just because you may not meet one or more requirement doesn’t mean you will fail an inspection. It basically comes down to the opinion of the FHA inspector/appraiser/underwriter to determine.
In other words, don’t put too much faith in this list, and don’t blame me if your inspector has other criteria that he uses. It would be very nice if an actual guide line was followed but we are dealing with houses and real people that are all different.
This list is for reference only and does not guarantee compliance with FHA Minimum Property Requirements. Minimum Property Requirements are to insure the health and safety of the occupants and/or the marketability of the property.
Here is the checklist/guidelines:
Site Hazards Presence of the following may indicate unacceptable property condition:{module Article Advertising Box Square 1|none} • Sinkholes • Active or planned gas-drilling within 300 feet • Within 75 feet of operating oil/gas well with no visible mitigation measures • Abandoned oil or gas well within 10 feet • Slush pits • Excessive noise or hazard from heavy traffic area • Dwelling or improvements within 10 feet of easement for high-pressure gas or petroleum line • Dwelling or improvements within fall distance for overhead towers (high-voltage, radio/TV, cell phone etc) • Excessive smoke, fumes, offensive noises or odors • Stationary storage tanks with more than 1000 gallons of flammable or explosive material
Soil Contamination Presence of the following may indicate unacceptable property condition: • Surface evidence of underground storage tank • Proximity to dumps, landfills, industrial sites that could contain hazardous materials • Presence of pools of liquid, pits, ponds, lagoons, stained soils or pavement
Grading and Drainage Presence of the following may indicate unacceptable property condition: • Grading does not provide drainage away from structures • Standing water near structures
Individual Water and Sewage Systems • Presence of the following may indicate unacceptable property condition: • Private sewage system show evidence of system failure • Separation between well and septic drain field less than 100 ft, (75 ft may be acceptable if local authorities allow.) • Separation between well and property line is less than 10 ft. (If local authority requires greater distance that requirement must be met.) • Property lacks connection to public water (Lender/jurisdiction may require water test and connection to public water if feasible)
Wood Destroying Insects • Presence of the following will require a termite inspection and treatment if infestation is present: • Structure is ground level and wood is touching ground • House or other structure show obvious evidence of infestation • Local jurisdiction requires inspection • Inspection is customary to the area
Private Road Access Presence of the following may indicate unacceptable property condition: • Property inaccessible by foot or vehicle • Property accessible only by private road without permanent recorded easement
Floor Support Systems Presence of the following may indicate unacceptable property condition: • Significant cracks • Evidence of water damage • Evidence of spongy/weak/rotted flooring
Framing/Walls/Ceiling Presence of the following may indicate unacceptable property condition: • Significant cracks • Visible holes in exposed areas that could affect structure • Damaged plaster, sheetrock, or ceiling materials in homes constructed before 1978 • Significant water damage
Attic Presence of the following may indicate unacceptable property condition: • Inadequate access • Evidence of holes • Support structure damaged • Significant water damage visible from interior • No ventilation by vent, fan, or window
Basement Presence of the following may indicate unacceptable property condition: • Blocked or inadequate access • Evidence of significant water damage • Significant cracks or erosion in exposed areas that affect structural soundness
Crawl Space • Presence of the following may indicate unacceptable property condition: • Blocked or inadequate access • Space inadequate for maintenance (recommended 18 inches) • Support beams not intact • Excessive dampness or pounding of water
Slab Presence of the following may indicate unacceptable property condition: • Significant cracks that could affect structural soundness
Roof Presence of the following will require a roof inspection and possible repair: • Missing tiles, shingles, flashing etc • Signs of leakage
Furnace/Heating System Presence of the following may indicate unacceptable property condition: • Unit does not turn on • Heat is not emitted • Unusual noise • Smoke or irregular smell • Significant holes or deterioration on unit
Electrical System Presence of the following may indicate unacceptable property condition: • Electrical switches don’t work • Outlets don’t work • Presence of smoke or sparks from outlet • Exposed frayed or unconnected wiring
Plumbing System Presence of the following may indicate unacceptable property condition: • Significant drop or limitation in water pressure • No hot water • Toilets don’t function or have been removed • Toilet leaks • Sinks/bathtub/shower leaks (very minor leaks may be acceptable) • Sinks/bathtub/shower does not work or have been removed • Swimming pools not operational, in bad repair or not maintained
Paint Presence of the following may indicate unacceptable property condition: • Chipped or peeling paint on interior or exterior of home and/or structures and improvements if home built before 1978. • Chipped or peeling paint on exterior surfaces if finish is unprotected (ie, bare wood) if home built after 1978.
Other Presence of the following may indicate unacceptable property condition: • Missing or inoperable exterior doors • Broken or missing stairs • Absence of built-in appliances • Absence of free-standing stove (Santa Ana HOC only)
{module Budget Truck Rental Wide Banner|none}