FHA MINIMUM PROPERTY STANDARDS

 

FHA does not require the repair of cosmetic or minor defects, deferred maintenance and normal wear if they do not affect the safety, security or soundness of the home. The FHA says that examples of such problems include but are not limited to the following:

 

•       Missing handrails

•       Cracked or damaged exit doors that are otherwise operable

•       Cracked window glass

•       Defective paint surfaces in homes constructed post-1978

•       Minor plumbing leaks (such as leaky faucets)

•       Defective floor finish or covering (worn through the finish, badly soiled carpeting)

•       Evidence of previous (non-active) wood-destroying insect/organism damage where there is no evidence of unrepaired structural damage

•       Rotten or worn-out counter tops

•       Damaged plaster, sheetrock or other wall and ceiling materials in homes constructed post-1978

•       Poor workmanship

•       Trip hazards (cracked or partially heaving sidewalks, poorly installed carpeting)

•       Crawl space with debris and trash

•       Lack of an all-weather driveway surface

 

There are many areas where the FHA does require problems to be remedied in order for the sale to close. Here are some of the most common issues that homebuyers are likely to face.

 

Electrical and Heating

•       The electrical box should not have any frayed or exposed wires.

•       All habitable rooms must have a functioning heat source (except in a few select cities with mild winters).

 

Roofs and Attics

•       The roofing must keep moisture out.

•       The roofing must be expected to last for at least two more years.

•       The appraiser must inspect the attic for evidence of possible roof problems.

•       The roof cannot have more than three layers of roofing.

•       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.

 

Water Heaters

•       The water heater must meet local building codes and must convey with the property

 

Hazards and Nuisances

A number of conditions fall under this category. They include but are not limited to the following:

 

•       Contaminated soil

•       Proximity to a hazardous waste site

•       Oil and gas wells located on the property

•       Heavy traffic

•       Airport noise and hazards

•       Other sources of excessive noise

•       Proximity to something that could explode, such as a high-pressure petroleum line

•       Proximity to high-voltage power lines

•       Proximity to a radio or TV transmission tower

 

  

Property Access

The property must provide safe and adequate access for pedestrians and vehicles, and the street must have an all-weather surface so that emergency vehicles can access the property under any weather conditions.

 

 

Structural Soundness

Any defective structural conditions and any other conditions that could lead to future structural damage must be remedied before the property can be sold. These include defective construction, excessive dampness, leakage, decay, termite damage and continuing settlement.

 

 

Asbestos

If an area of the home contains asbestos that appears to be damaged or deteriorating, the FHA requires further inspection by an asbestos professional.

 

Bathrooms

The home must have a toilet, sink and shower. (This might sound silly, but you'd be surprised what people will take with them when they're foreclosed on.)

 

 

Appliances

Anecdotal evidence suggests that the FHA requires properties to have working kitchen appliances, particularly a working stove. However, FHA documents do not mention any requirements regarding appliances.

 

 

This is not an exhaustive list. For additional information, consult the Department of Housing and Urban Development's Homeownership Center Reference Guide.

( https://archives.hud.gov/offices/hsg/sfh/ref/fhaintro.cfm )

 

 

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1220A East Joppa Road Suite 118; Towson, MD 21286

PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Maryland Department of Labor, Licensing and Regulation Commissioner of Financial Regulation #5511.