Paragraph 3 6 c referencing bare floors badly soiled carpeting and cracked plaster and.
Fha bare floors.
Question is does fha accept the floor to be painted with a sealer.
This is a short sale and appraiser has made comment that carpet in master bedroom has been removed and has bare concrete floors yet does not pose a health hazard.
We have found contradicting info on if bare concrete slab flooring is acceptable for approval of an fha home under an as is appraisal.
Department of housing and urban development 451 7th street s w washington dc 20410 telephone.
Fha repair and inspection requirements for existing properties and revisions to fha appraisal protocol pages 2 3.
There is no fha requirement to cut open walls ceilings or floors to make the attic accessible.
Also the 3rd one car garage has been converted into a room.
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.
Water in the crawl space is a definite no no as is significant water standing in.
She has done the appraisal as is but stated floor covering is required.
This is one of the biggest hot spots for an fha appraiser and rightly so.
Federal housing administration fha loans must meet safety.
Fha single family housing policy handbook pages 15 16.
Federal housing administration fha loans have requirements including minimum property standards which help protect lenders.
A quick glance under a sink to see rotting floors and moldy walls will nix a loan every time.
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.
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.
The condo is livable and safe and has all other walls and windows etc.
Watch for soft floors around toilets and tubs leaky faucets roof leak stains in the ceiling.
Crawl spaces need to be free of debris like the one in the picture here.
Department of housing and urban development.
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.
Frequently asked questions fha resource center bulletin board accessed march 21 2020.