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Most Common

 

Required FHA Repairs


 

 

These conditions are not listed to scare you, but to help you understand and erase any worries you may have. 

 

The purpose of a repair is to correct deficiencies which may affect the health and safety of the occupants or the continued marketability of the property. If possible, we suggest that you make any repairs to your home prior to the appraisal. This will improve the marketability and help the sale or refinance of your home go smoothly.  If you are a Real Estate Agent, this can help you understand what items need to be addressed in your transaction.

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1.      If the home was built prior to 1978, chipping, peeling paint must be scraped and painted. This includes interior, exterior, garages, sheds, fences, etc.

 

2.      Any useful components (appliances, floor covering, etc.) of the home, especially the roof, should have 2 years of useful life remaining. A roof should have no more than 3 layers of shingles.

 

3.      Broken windows and doors should be replaced.

 

4.      The cause of negative drainage must be cured (i.e., improve drainage away from house, gutters, french drains, etc.

 

5.      Health and safety hazards (i.e. electric garage door opener wont reverse with resistance; burglar bars). GFIC outlets are not an FHA requirement.

 

6.      Abandoned inoperable wells must be capped and sealed by a license well sealing contractor.

 

7.      Safety handrails should be installed in open stairwells or three or more stairs.

 

8.      Infestation of any kind should be exterminated (i.e., insects, mice, bats, etc.)

 

9.      Damaged or inoperable plumbing, electric and heating systems should be repaired. The appraiser will check these areas.

 

10.  Structural or foundation problems must be repaired.

 

11.  Flammable storage tanks must be removed and filler cap sealed from the inside (i.e., buried oil tank).

 

12.  If there is a crawl space, it will be the homeowner’s responsibility to make this area accessible so that it can be thoroughly inspected.

 

13. Any exposed wiring.

 

14. Missing or inoperable smoke or carbon monoxide detectors.

 

Keep in mind that these are the most common repairs. Call us at 209-524-6000 with specific questions regarding your property.