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FHA Inspections

By In FHA Inspections On October 13, 2009


I get a lot of questions about FHA Inspections, and it’s about time I sat down and blogged about it.  Here are the most common questions I get asked about standard FHA loans.  This information does not apply to FHA 203(k) Loans.

Can You Do The FHA Inspection? FHA loans do not require a home inspection, they require an appraisal.  The appraiser does this.  These are often mistaken for an inspection.  Home inspections are still strongly encouraged.

How Can I Pass The FHA Inspection? First, see above.  FHA appraisals require the appraiser to look for obvious defects with the house, but the appraiser never requires repair of these items – the underwriter does.  Trying to figure out exactly what might require repair is a bit of a guessing game, and often has much more to do with the people doing the appraisal and the underwriting than it does the property itself.  Nevertheless, here is a partial list of some common defects that get flagged:

  • Chipping / Peeling / Flaking Paint
  • Rotting wood
  • Electrical outlets or switches that are defective
  • Plumbing leaks
  • Non-functional heating plant or AC
  • Roofs with less than two years of life left
  • Missing or badly damaged floor coverings
  • Obvious structural problems

Do I Need A Home Inspection If I’m Getting An FHA Inspection? Again, see above.  FHA appraisals are not home inspections, and it’s unfortunate that they get confused as such.  The FHA appraisal has nothing to do with a home inspection.

Do I Need An FHA Certified Inspector If I’m Getting An FHA Loan? No.  The home inspection is completely independent of the FHA loan.

Reuben Saltzman, Structure Tech Home Inspections – Email – Minnesota Home Inspector


About the Author

Reuben

Reuben is a second generation home inspector with a passion for his work. He grew up remodeling homes and learning about carpentry since he was old enough to hold a hammer. Reuben has worked for Structure Tech since it was purchased by Neil in 1997, and is now co-owner of the company. Reuben’s favorite customers are the ones who have a lot of questions; he grew up thinking he was going to be a school teacher because he enjoyed teaching others so much. In a sense, that’s a lot of what home inspections are about, so Reuben truly does what he loves. Reuben has an A.A. degree in liberal arts and has attended most of the Building Inspection Technology classes at North Hennepin Community College. Reuben and his wife are the proud parents of two young childen, Cy Alexander and Lucy Nicole, and have a German Shepherd named Stanley. With two young children Reuben doesn’t have much free time, but he still tries to play disc golf as often as possible during the summer. Reuben lives in Maple Grove, MN. Professional Qualifications / Memberships: *ASHI Certified Inspector *President, ASHI Heartland Chapter *Member, Minnesota Society of Housing Inspectors (MSHI) *Licensed Minneapolis Truth-in-Sale of Housing Evaluator *Licensed Saint Paul Truth-in-Sale of Housing Evaluator *Licensed Maplewood Truth-in-Sale of Housing Evaluator *Licensed Hopkins Truth-in-Housing Evaluator *Licensed Robbinsdale Point of Sale Evaluator *Affiliate Member, Southern Twin Cities Association of Realtors

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