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Are You Buying The Home With An FHA Loan? If so, read on...

8/16/2015

2 Comments

 
If you're buying a home with an FHA loan, there are some things you need to know beforehand. FHA has certain requirements that the prospective home that you're looking to purchase must meet BEFORE they will issue a loan to you. This was created to insure the health and safety of the occupants and /or the marketability of the property.

There is a checklist which the FHA uses, titled the, "FHA Existing Property Condition Screening Checklist" which is in a nutshell the MINIMUM requirements that the home and property MUST meet.

The list is pretty extensive, beginning with the exterior of the home and which includes such items as site hazards (such as sinkholes), soil contamination (underground storage tanks), grading (and evidence of significant water leakage in a basement), wood boring insects (infestation or even wood touching the ground), framing problems (significant cracks), attic problems such as no ventilation), electrical, plumbing, HVAC and many more items. Even visible peeling paint on the interior or exterior of the home, if built before 1978 can pose a huge problem!

If you are buying  a home with a well, you'll need to have an FHA water test performed, which is far more extensive than the usual bacteria test.

Any questions you may have, just give us a call (610 681 4012) and we'll be glad to direct you and help you in any way we can!

Happy home hunting!

Marc 
2 Comments

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    Marc Shanley- Owner of Trinity Inspection

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