This list is not the full FHA requirements of 4150.2 – just the most common items.. Faulty railings on stairs Railings that are deemed inadequate (missing or un- Hand Railing | AppraisersForum.com – In my opine, FHA tried to put some common sense to the issue, but left it as a grey area, sort of.
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FHA shifted its historical emphasis on the repair of minor. This has replaced the old requirement of needing a handrail if there are three or more risers. Railings will also be required if there is.
How many stairs necessitate a handrail? The VA Lender’s Handbook doesn’t provide specifics. pdf fha loan inspection requirements – FHA LOAN INSPECTION REQUIREMENTS An FHA Loan can be the perfect solution for many borrowers, but there are several items that need to be avoided or repaired in order for a home to qualify for an FHA mortgage.
Deck railing requirements – InspectionNews – Home Inspection – Re: deck railing requirements In Missouri and I assume nationally, if the loan is FHA or other type of Govt. loan, a handrail is required if the deck is over 30 inches off the ground. Spindles are required and the post or spindles can have no more than 4 inches between.
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FHA specifically says to overlook missing handrails, and the 4" spacing is a housing code issue, not speccifically an appraisal repair issue. But I would mention both issues, for personal liability reasons of course since they’re both genuine safety concerns.
FHA: When an FHA loan is being used, the appraiser has two objectives. The Department of Housing and Urban Development (HUD) requires him to determine the current market value, as with any appraisal. But they also require a property inspection to make sure the home meets HUD’s minimum standards for health and safety.
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. 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.
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