![]() ![]() Paint must not be chipping, peeling, or flaking on homes built before 1978 because of the danger of lead-based paint (lead was used in paint prior to 1978).Excessive debris in the attic or crawl space should be removed. When inspecting the crawl space, appraisers make sure there are no signs of standing water or any other foundation support issues. When viewing the attic, appraisers make sure there are vents, no damage, no exposed or frayed wires, and that sunlight is not beaming through. Attics and crawlspaces are to be viewed at minimum from the shoulder up by the appraiser.The water heater must be in working order and strapped according to local code.Appraisers flush toilets, turn on all faucets and ensure that both hot and cold water are working. Water pressure must be adequate for the house.The heating unit must be in working order (and AC if applicable). ![]() There should be proper drainage around the perimeter of the house.Utilities should be turned on so the appraiser can test systems and appliances.If you have a sliding glass door with a lock on the handle, the lock should work. For example, a window that is supposed to open must open, and a built-in appliance should do what that appliance is supposed to do. The basic concept of meeting FHA minimum requirements is that everything must work as it was designed to work. ![]() The Main Idea with FHA: FHA is primarily concerned that everything in the house functions properly and that there are no health and safety issues. For instance, appliances are basically only required if they contribute to value. NOTE: This blog post was written in 2015, and there may be some slight variations today (2023). This checklist has all the information from this post as well as one additional page. You can also download an FHA checklist to study or share with clients. Let’s talk through some of the most common FHA issues below. What do appraisers look for when doing an FHA appraisal? These days it’s important to be in tune with FHA appraisal standards so your home can be FHA-ready or so you can know what to expect if accepting an FHA offer. ![]()
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