Fha Built Up Roof

One of the fha rules for the roof requires the appraiser to report if it has less than 2 years remaining life and require it to be replaced.

Fha built up roof.

Peeling paint that is a lead hazard usually on homes built before 1978. Will hud issue certification labels hud tags if my home was built before 1976. Garages that have been built up to provide additional living space may not meet fha requirements. For starters the roof must do what it s designed to do fha and hud regulations say it must not leak or allow moisture to enter the home.

Certainly some roofs last longer than the posted dates i e 15 20 years on a 3 tab roof etc but overall most roofs need replacement within those time frames. Serious issue possible fha concern this wood rot found just below the roof is caused from rain water or ice build up in the winter. Roofing single ply and others and where the slope is. Water heaters the water heater must meet local building.

Then fha inspections relaxed a little and repair guidelines softened beginning in january 2006. Possible fha concern the brick on the side of this garage has had some serious movement. In order to pass the appraisal process the roof must also provide reasonable future utility durability and economy of maintenance according to the fha official site. Less than 2 in l2.

Are either built up roofing bur or non conventional. Weatherproof and normally to insulate a building top. These systems are defined as an. Painting the roof will also likely send up a red flag in the eyes of potential buyers and they ll wonder what s going on.

It still has minimum property standards that you ll come up against if you re dealing with this type of loan but they re less stringent. Call a professional to evaluate. As the homeowner you may find a licensed engineer willing to inspect your home for compliance with your state s housing code. To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof.

Fha does not insure mortgages on manufactured homes built prior to june 15 1976. Most other mortgage insurance firms follow fha s policy. Non permitted additions additions that are not up to code are often flagged in fha loans although not always. Assembly of 4 or less interacting components designed to.

The seller often ended up paying for them. Their is no repairs that can be done the brick should be removed and replaced.