Fha Roof Requirements

Any needed repairs to the roof must get completed by a roofer who is approved by the fha mortgage lender.

Fha roof requirements.

More specifically the model codes do not contain any minimum requirements for the durability of such items as doors windows gutters and downspouts painting and wall. Edition as referenced in the minimum property standards. Fha appraisals and roof requirements. It also requires that the roof be functional for at least two more years from the date of purchase.

To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. 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. Hud hoc reference guide roofs attics chapter 1 appraisal property requirements page 1 24.

The covering must prevent moisture from entering and provide reasonable future utility durability and economy of maintenance the appraiser must visually examine the roof to determine whether deficiencies present a health and safety hazard or do not allow for reasonable future utility. It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value. 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. Up in the attic the property also must offer ready access to the attic.

Section 607 1 l when cost effective. Are either built up roofing bur or non conventional. Water heaters the water heater must meet local building. Roofing single ply and others and where the slope is.

Fha mortgage source is florida s leading fha loan resource. A federal housing administration loan or fha loan has very similar requirements to the va loan. 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. Exceed requirements of the cabo model energy code 1983.

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. The appraiser notes any. November 17 2019. Now that you are aware of the roof requirements of the fha mortgage loan it is best to conduct your own investigation of the home so that you can accurately deduce the state and remaining physical life of the roof prior to an fha appraiser investigation.

As with the va loan an fha loan requires that the roof on a home not be leaking.