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FHA revised repair standards for existing homes
FHA Revised Repair Standards for Appraisals:
FHA no longer requires the repair of minor cosmetic defects to bring a property into compliance with FHA requirements.
Examples of minor property conditions that no longer require automatic repair for existing properties are:
Missing handrails
Cracked or damaged exit doors that are otherwise operating
Cracked window glass
Defective paint surfaces in homes constructed after 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 un-repaired structural damage
Rotten or worn out counter tops
Damaged plaster, sheetrock or other wall and ceiling materials in homes constructed after 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
FHA will no longer require automatic inspections for the following items or conditions in existing properties:
Wood destroying Insects or Organisms: inspections only required if evidence of active infestation is present, state or local requirement or at lenders discretion
Well (individual water system): test or inspection required if mandated by state or local jurisdiction, if there is any knowledge that well water may be contaminated, when water supply relies upon a water purification system due to contaminants, when there is evidence of corrosion of pipes or potential contaminating industry nearby (intense farming , coal mining or gas drilling, dump/junkyard, landfill, factory, gas station or dry cleaning ¼ mile away) or objectionable smell, taste or appearance of water.
Septic: test or inspection required only if evidence of system failure, if mandated by state or local jurisdiction or if customary to area or at lenders discretion.
Flat and/or unobservable roof
Examples of property conditions that may represent a risk tot the health and safety of the occupants of the soundness of the property for which FHA will continue to require automatic repair for existing properties include but are not limited to:
Inadequate access from bedrooms to exterior of home
Leaking or worn out roof (if 3 or more layers of shingles on leaking or worn out roof, all existing shingles must be removed before re-roofing)
Evidence of structural problems (such as foundation damage caused by excessive settlement)
Defective paint surfaces in homes constructed after 1978
Defective exterior paint surfaces in home constructed after 1978 where the finish is otherwise unprotected
Examples of conditions that will continue to require automatic inspections:
Standing water against the foundation or excessively damp basements
Hazardous material on the site or within the improvements
Faulty or defective mechanical systems (electrical, plumbing or heating)
Evidence of possible structural failure (settlement or bulging foundation wall)
