Fha Bare Floors

Federal housing administration fha loans must meet safety.

Fha bare floors.

This is one of the biggest hot spots for an fha appraiser and rightly so. Question is does fha accept the floor to be painted with a sealer. There is no fha requirement to cut open walls ceilings or floors to make the attic accessible. Fha repair and inspection requirements for existing properties and revisions to fha appraisal protocol pages 2 3.

Will it pass fha inspection. Paragraph 3 6 c referencing bare floors badly soiled carpeting and cracked plaster and. 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. The condo is livable and safe and has all other walls and windows etc.

We have found contradicting info on if bare concrete slab flooring is acceptable for approval of an fha home under an as is appraisal. The home has some bare concrete slabs which aside from having no carpet are otherwise perfectly sound. Water in the crawl space is a definite no no as is significant water standing in. Department of housing and urban development 451 7th street s w washington dc 20410 telephone.

Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. Crawl spaces need to be free of debris like the one in the picture here. 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. 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.

A reader asks i have an appraisal prepared by fha approved appraiser. A quick glance under a sink to see rotting floors and moldy walls will nix a loan every time. 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. Department of housing and urban development.

Fha single family housing policy handbook pages 15 16. Also the 3rd one car garage has been converted into a room. She has done the appraisal as is but stated floor covering is required.