Fha Flooring Standards

Safety security and soundness.

Fha flooring standards.

Fha guidelines state that a house has to meet mpr minimum property standards for existing houses and mps minimum property requirements for new construction. 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 well must also be at least 10 feet back from a property line. Question is does fha accept the floor to be painted with a sealer.

She has done the appraisal as is but stated floor covering is required. Fha loan requirements important fha guidelines for borrowers. Fha carpet pad standards are listed under hud um 72 carpet cushion standards and hud capet standards um 42 for carpet and carpet with attached cushion. At a minimum the appraiser must complete the following steps.

Hud carpet standards are listed under the hud fha document use of materials bulletin no. According to the 2020 fha appraisal guidelines all properties being purchased with an fha insured mortgage loan must be appraised by a licensed hud approved home appraiser. 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. Homes and projects financed by fha insured mortgages are the collateral for these loans and their lack of durability can increase fha s financial risk in the event of default.

Federal housing administration fha loans must meet safety security and soundness standards which includes areas like roofs electrical water heaters and property access among others. Information is not required by hud the fair housing act or the guidelines. Visually inspect the subject property both inside and out. Fha requirements for wells and septic tanks.

Fha carpet cushion standards hud um 72. For example the distance between a well and a septic tank on a property must be at least 50 feet. This hud standard applies to pile yarn floor covering materials designated as first quality tufted woven bonded or knitted carpet free from objectionable visual blemishes and physical defects. The fha rule for minimum distance that must exist between wells and sources of pollution can be a potential game changer.

A reader asks i have an appraisal prepared by fha approved appraiser. When a realtor was asked what the three fha s s were he replied stupid more stupid and seriously stupid fha appraisers which i thought was. The fha or federal housing administration provides mortgage insurance on loans made by fha approved lenders. Fha insures these loans on single family and multi family homes in the united states and its territories.

Fha is very concerned with the three s s.