Are Gutters Required For Fha

One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home.

Are gutters required for fha.

The consultant inspects the property and prepares the architectural exhibits the. Fha requirements for wells and septic tanks. Roofs that are at or near the end of their useful life or in tough shape. It could be that some local or state codes might require them but nothing on a national level.

In order to decide for yourself whether rain gutters are necessary for your home it is best to first weigh the facts. Roofs that already have two layers of shingles should not be roofed again. More specifically the model codes do not contain any minimum requirements for the durability of such items as doors windows gutters and downspouts painting and wall coverings kitchen cabinets and carpeting. Rain gutters are the most controversial type of gutter.

The fha rule for minimum distance that must exist between wells and sources of pollution can be a potential game changer. They are a nice feature but i know of no requirement for them. A well must also be at least 10 feet back from a property line. Gutters are not required by hud fha or the irc.

Roofs gutters downspouts grading. The fha appraiser that values the home for your bank loan will be watching for these items as well. For example the distance between a well and a septic tank on a property must be at least 50 feet. It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value.

Homes and projects financed by fha insured mortgages are the collateral for these loans and their lack of durability can increase fha s financial risk in the event of default. 7 a federal housing administration fha approved 203 k consultant is required for all 8 standard 203 k mortgages and may be used for limited 203 k mortgages. According to hud model building codes fail to address any minimum requirements for the durability of such items as doors windows gutters and downspouts painting and wall coverings kitchen cabinets and carpeting. Curling and missing shingles gutters that are missing lots and lots of moss.

Any 9 consultant performing work on a 203 k must be listed on the fha 203 k consultant 10 roster.