Fha Loan Inspection Apr 2026

The appraiser evaluates the property based on "The Three S’s": (protecting occupants), Security (protecting the FHA's investment), and Soundness (structural integrity) . 1. Structural & Exterior Standards

Must be free of leaks and have at least two years of remaining useful life . It cannot have more than three layers of shingles . fha loan inspection

Soil must slope away from the foundation to ensure proper drainage . The appraiser evaluates the property based on "The

For an FHA loan, the "inspection" is technically part of the . While a standard appraisal only estimates market value, an FHA-approved appraiser must also verify that the home meets the Department of Housing and Urban Development's (HUD) Minimum Property Requirements (MPR) for safety, security, and structural soundness . Key FHA Inspection Categories It cannot have more than three layers of shingles

Any staircase with three or more steps must have a secure handrail . 2. Health & Environmental Hazards FHA Home Inspection Checklist: What Appraisers Look For

Must be stable and free of significant cracks, shifting, or water intrusion .