Fha Roof Inspection Requirements

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Fha roof inspection requirements.

Hud s primary concern is the health and safety of the home buyer who will actually live in the house. The federal housing administration has specific requirements for termite inspections when an fha loan is being used. Roof the roof must be not have any leaks. These requirements are outlined in hud handbook 4000 1 also known as the single family housing policy handbook.

But the fha did want a roof inspection. Appraisal requirements for fha mortgage loans are found in hud 40001 and include guidelines for electrical systems plumbing paint and also requirements for the roof. That means it must be worth the purchase price and have such basics as electricity drinkable water adequate heat a stable roof fire exits and more. Here are some of the key inspection areas required by hud.

The condition of the roof is important as it s a major source of headaches for a home owner if there is a problem down the line. Below you ll find a basic overview of fha inspection requirements for termites and other wood destroying insects. For a federal housing administration fha loan to be approved the home must pass an fha inspection and appraisal. And details claims calculation and documentation requirements for property p p actions.

There is no explanation for this one. Fha minimum property standards fha inspection requirements. Why don t the buyers get a full home inspection. Affected policy the policies set forth in this mortgagee letter modify or supersede where.

If the inspection reveals the need for roof repairs and the roof already has three or more layers of roofing the fha requires a new roof. These inspections are a supplement to the fha approved appraisal. Until the buyer calls me for a full home inspection i will do just the roof inspection for the seller. The primary areas of inspection are the roof the foundation lot grade ventilation mechanical systems heating electricity and crawl spaces when present.

Effective date this mortgagee letter is effective on february 1 2016. Fha loan property requirements for 2020. Reminds mortgagees of fha s inspection requirements. The fha fee appraiser is not required to enter crawlspaces walk on roofs or perform other duties for which they have no specialized equipment or safety gear for that s something to discuss with a home inspector.

I have done about a dozen of these for the fha criteria for a roof inspection.