FHA Appraisal Requirements

August 13, 2011 by Mandie Spudich.

Many of you have asked…”What will the FHA Appraiser be looking for when he comes out to do his inspection?” Here is a list of the most common issues being looked at:

FHA Appraisal Requirements

• No chipping, cracking, or peeling paint should be found anywhere on the interior or exterior of the property
• All stairs must have adequate handrail systems in place
• All utilities must be on and operable at the time of inspection
• All faucets, commodes. showers. etc. must be functional
• No standing water or moisture in the basement
• Mold is an issue in basement or throughout the house  –check attic
• No notable step cracks or split block cracks in foundation walls
• Roof cannot have more than 2 layers of shingles and should not be showing any signs of needing replaced
• All windows and doors must be able to open and close
• Flooring — No missing or broken tiles, flooring/carpeting should not be worn through
• No broken or cracked window panes
• No missing or broken soffit, fascia, gutters, down spouts, siding, etc…
• GFI breakers in bathroom and kitchen near water sources
• All outlets, switches, and junction boxes must have cover plates.  No spliced wires outside of a junction box
• Garage door openers must have safety sensors
• Must have fire-rated door between the garage and home
• Make sure inspector has access to attic and or crawl space
• Manufactured homes  must be built after July 1976, have HUD tags attached, and be properly attached to HUD approved foundation.  Requires a foundation inspection by a HUD approved engineer

Visit the HUD website for specific property circumstances and or changes.

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