Fha Bare Floors

Federal housing administration fha loans have requirements including minimum property standards which help protect lenders.

Fha bare floors. Fha single family housing policy handbook pages 15 16. I am selling a condo that has scruffy carpet in most of the house and the kitchen only has bare concrete to accept tile or whatever new owner wants and the floors are safe to walk on. She has done the appraisal as is but stated floor covering is required. The condo is livable and safe and has all other walls and windows etc.

Department of housing and urban development. Fha repair and inspection requirements for existing properties and revisions to fha appraisal protocol pages 2 3. In september 2005 the federal housing administration fha issued mortgagee letter 2005 34 which announced the adoption of four of fannie mae s revised appraisal reporting forms as well as the release of revised appendix d of handbook 4150 2 chg 1. Also the 3rd one car garage has been converted into a room.

This is one of the biggest hot spots for an fha appraiser and rightly so. When observing the crawl space the appraiser will make sure that the floor joists are sufficiently above the ground level to provide access for maintaining ductwork and plumbing. Water in the crawl space is a definite no no as is significant water standing in. Question is does fha accept the floor to be painted with a sealer.

Crawl spaces need to be free of debris like the one in the picture here. Federal housing administration fha loans must meet safety. We have found contradicting info on if bare concrete slab flooring is acceptable for approval of an fha home under an as is appraisal. A reader asks i have an appraisal prepared by fha approved appraiser.

Will it pass fha inspection. Watch for soft floors around toilets and tubs leaky faucets roof leak stains in the ceiling. There is no fha requirement to cut open walls ceilings or floors to make the attic accessible. This is a short sale and appraiser has made comment that carpet in master bedroom has been removed and has bare concrete floors yet does not pose a health hazard.

On monday september 14th 2015 there are big changes when it comes to fha appraisals this is the date that hud has decided to make appraisers much more than they are qualified to be inspectors termite pest control experts title attorneys structural engineers appliance experts roofing experts etc. The home has some bare concrete slabs which aside from having no carpet are otherwise perfectly sound. Frequently asked questions fha resource center bulletin board accessed march 21 2020.