There are some issues detected during an FHA inspection that definitively we include in a list of what won\u00b4t pass an FHA inspection. This FHA inspection is key to fulfill all the FHA loan requirements<\/a>.<\/p>\n\n\n\n These are issues included in the law, such as the violation of the peeling paint guidelines and others that come from practice that makes FHA inspections harder to pass than conventional loan appraisals<\/a>.<\/p>\n\n\n\n It is assumed that these houses have lead-based paint. Therefore, if there is peeling paint present, it would violate these FHA peeling paint guidelines<\/a>.<\/p>\n\n\n\n The roof must be sturdy enough to reasonably last two to three years and it must keep moisture out. In addition, the roof cannot have more than three layers. If it does and the inspectors find enough damage, they would require a new roof.<\/p>\n\n\n\n The overall structure of the property must be in good enough condition to keep its dwellers safe. This means severe structural damage, leakage, dampness, decay, or termite damage can cause the property to fail the FHA inspection. In such a case, repairs must be made in order for the FHA loan to move forward.<\/p>\n\n\n\n Each inhabitable room must have an adequate heating source. However, certain exceptions apply in areas that experience mild winters. In addition, the water heater must adhere to local building codes. <\/p>\n\n\n\n Furthermore, electric boxes cannot have damaged or exposed wires. No aluminum wiring, or at least it has to be pigtailed by a professional, as it is explained here<\/a>.<\/p>\n\n\n\n An appraiser would inspect the property for potential safety hazards such as asbestos. In the event that the inspector finds asbestos that may be damaged, an asbestos expert must conduct another examination. <\/p>\n\n\n\n Asbestos has to be removed completely, which comes at a high cost<\/a>. <\/p>\n\n\n\n Some hazards are not obvious such as contaminated soil.<\/p>\n\n\n\n The property may not pass inspection if it sits in an area that\u2019s too noisy or within proximity to a hazardous waste site, as defined by the federal government. We list a few area-specific nuisances that may prevent a home from passing FHA inspection:<\/p>\n\n\n\n To pass inspection, the home must provide access to pedestrians and vehicles, particularly emergency vehicles. These must be able to access the home under all weather conditions.<\/p>\n\n\n\n This is an overview of what issues an FHA inspector looks for. For a complete guide, access the Department of Housing and Urban Development\u2019s Homeownership Center (HOC) Reference Guide.<\/p>\n\n\n\n See our more detailed list of FHA appraisal red flags here<\/a>.<\/p>\n\n\n\n An FHA re-inspection is required when 180 days have passed and the operation did not close, or if there are issues that will not pass an FHA inspection, as we explain here<\/a> in a bit more detail.<\/p>\n\n\n\n All government-backed loan programs have specific appraisal and inspection guidelines that usually exceed what is typically required in a conventional mortgage loan. <\/p>\n\n\n\n Any required repairs for an FHA loan should be about bringing the property up to FHA Minimum Property Requirements (MPR) so the property can be guaranteed a loan by HUD. The appraiser acts as the eyes of the lender and the eyes of the HUD.<\/p>\n\n\n\n If the appraiser notes any of the issues that won\u00b4t pass FHA inspection, the appraisal is then completed subject-to repairs or re-inspection. <\/p>\n\n\n\n Once those repairs are complete, the appraiser is called back out to verify that the home now meets the guidelines.<\/p>\n\n\n\n While the underwriter can overrule the re-inspection, the client will want to ensure that the required repairs are performed, so will arrange a reinspection in any case.<\/p>\n\n\n\n The appraiser has to perform the reinspection and cannot verify repairs were completed simply by someone else photos. If the client hired the appraiser to go back to the property after the necessary repairs were allegedly performed, he has to go. An appraiser will not sign something that was not seen in person. <\/p>\n\n\n\n That is the reason why in the real estate industry we usually think that the appraiser is behaving weirdly about the reinspection, but he simply has instructions from the client and also, represents the interests of the FHA in that reinspection. <\/p>\n\n\n\n FHA appraisals are good for up to 180 days. In some instances, an appraiser can recertify the value if they agree to do so before the original appraisal expires.<\/p>\n\n\n\n The prospective buyer is interested that the inspection takes place as required by law, in order to continue with the next stages until closing. The seller, instead, can sell the real estate residential object to any party, even those without FHA mortgages.<\/p>\n\n\n\n However, sometimes the seller cannot prepare the property for an FHA inspection because he does not know that the prospective buyer can require an FHA loan.<\/p>\n\n\n\n For an understanding of what won\u00b4t pass FHA inspection, please refer to this PDF HUD document<\/a> which is an official document and kind of a guide for FHA home inspections, a checklist. <\/p>\n\n\n\n If you require each item explained, you can refer to our FHA appraisal and inspection guidelines<\/a>.<\/p>\n\n\n\nPeeling Paint In Houses Built Before 1978<\/h3>\n\n\n\n
Roofing<\/h3>\n\n\n\n
Structure Quality<\/h3>\n\n\n\n
Heating And Water<\/h3>\n\n\n\n
Electrical Installations<\/h3>\n\n\n\n
Safety Hazards<\/h3>\n\n\n\n
Location<\/strong><\/h3>\n\n\n\n
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Access<\/strong><\/h3>\n\n\n\n
FHA Appraisal Red Flags<\/h2>\n\n\n\n
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FHA Appraisal Re-Inspection<\/h2>\n\n\n\n
FHA\u00a0Home\u00a0Inspection\u00a0Checklist PDF<\/h2>\n\n\n\n
FHA Inspection Form<\/h2>\n\n\n\n