FHA Repairs and Inspections – Beware of What They Seek

Staying ahead of the curve is your best defense in this real estate market. When buying a home with an FHA Loan, it is much easier to know what you need to look for going in, rather than trying to remember which ones will hit FHA’s hot buttons after you’ve seen 15 homes.

You probably already know that FHA requires repairs and inspections of very specific items that meet their standards. HUD is looking to cover three primary points in their inspections:

  1. Safety – protect the health and safety of the occupants
  2. Security – protect the security of the property (security for the FHA insured mortgage)
  3. Soundness – correction of physical deficiencies or conditions affecting structural integrity
FHA requires repairs and inspections of very specific items that meet their standards

Here are the Top 15 things FHA is either looking for or requires:

  1. Missing floor covering leaving an exposed subfloor
  2. Missing/Damaged exterior siding leaving underneath exposed
  3. Rotted wood (typically at roof trim/soffit/fascia and exterior door trim)
  4. Exposed electrical wiring, missing outlet covers/switch plates (spliced wires must be inside a conduit/box)
  5. Faulty outlets: Reverse polarity/Open grounds/GFI not tripping
  6. Defective lead based paint if built prior to 1978, chipping or peeling (Post 1978, only peeling paint revealing exposed bare wood or block)
  7. Dysfunctional windows: at least one window per room must function for ingress/egress
  8. No bars allowed on windows without a safety latch to open
  9. Roof must have at least 2 years of remaining economic life
  10. No deteriorated/worn shingles, damaged tiles, or water damage/stains
  11. Homes with crawl spaces must have access (should be at least 18”) under home and no water or debris should be found in the crawl space
  12. No wood-to-ground connection for Frame houses, wood should be at least 8” from ground
  13. Attic must have insulation and access to HVAC, plumbing, electrical must function properly
  14. Swimming pools must be working or filled in
  15. BE SURE THAT WATER & POWER ARE TURNED ON for the inspection

At the end of the day, it sounds like a lot of stuff to consider, but actually none of these items are ones you probably want to find on the home you are buying anyway! Overall, you are just better off entering into your real estate purchase from a proactive approach.

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