FHA Repairs (most common)
(updated January 4, 2010)
Presented by: Deanna Thompson
Sun Nations Mortgage, Inc.
15849 N 71st Street, Scottsdale, AZ 85254
602 993-0000 or 602 410-2026 cell, 602 680-4991 fax
(Taken directly from HUD Manual 4150.2 –refer to the manual in its entirety for specific details)
Required Repairs: Required repairs are limited to those repairs necessary to preserve the continued marketability of the property and to protect the health and safety of the occupants, A.K.A. the threes S’s:
SAFETY: protect the health and safety of the occupants
SECURITY: protect the security of the property (security for the FHA insured mortgage)
SOUNDNESS: correct physical deficiencies or conditions affecting structural integrity
The following is a list of the most common repairs required for FHA financing.
This list is meant to be a preliminary guideline, and is not intended to be comprehensive, or all-inclusive.
UTILITIES (all systems must be tested and functioning)-
- Electricity is on
- Water is on
- Gas is on (propane included)
WATER HEATER
- Turned on and functioning
- Adequate gas exhaust ventilation
- Seismic (earthquake) straps properly installed
- PRV (pressure relief valve) installed
- ¾” copper PRV overflow pipe properly installed
HEATING AND COOLING UNITS
- Must be in place AND in working order
KITCHEN APPLIANCES (functional)-
- Range/oven is required (only IF a built-in unit)
- (Free standing/Slide in units NOT required)
- Dishwasher is required (only IF a built-in unit)
PAINT
- Correct chipping or peeling paint (pre-1978)
- No Bare Wood (must be sealed-painted or sealant)
ELECTRICAL WIRING (adequate and not exposed)
- Adequate GFI plugs (1 per circuit near water)
- Main electrical panel (exterior & interior covers)
- Plug/switch covers must be installed
- Fixture sockets must be covered
- No exposed wiring (or romex) below 8 feet in garage
PLUMBING
- Adequate hot water
- Adequate water flow in all faucets and toilets
FIREWALL (no breaches)
- Fire door with an automatic closing mechanism
- (must close & latch automatically)
- No holes in wall, fire door or finished garage ceiling
- (including animal doors or missing handles)
WINDOWS
- Replace broken window panes (cracked ok)
- Windows must open adequately
- Security bars – must have on quick release per room
POOL/SPA
- Must be filled with clean water
- Filter must be functional
MISC ITEMS (requiring repair or action)
- Floor coverings (No bare concrete)
- Roof coverings (roof certification needed if excessively worn OR missing shingles)
- Signs of water leaks on ceilings
- Trash and Debris must be removed
- Exposed metal support brackets in patio
- Standing water – not OK
- Very green (lush) area in yard (possible septic leak?)
- Inadequate smoke alarms
- Garage door opener (IF there is one, it must be working, and properly adjusted)
ANY OTHER CONDTIONS which are a risk to The Health and Safety of the occupants
For additional information and a more comprehensive description of the Minimum Property Standards (MPS) for HUD (FHA Insured Financing, refer to the HUD website as follows:
Go to www.hud.gov
Click: “a-z” (upper right corner)
Click: “Appraisals” (in alphabetical list)
Click- “Repair Conditions 1-22”
Then- SURF ARROUND!
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