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FHA Loans - Stoves NOT Required
With the REOs out there, it isn't unusual to run into home where the appliances moved out with the former owners. Unfortunately these foreclosure bargains are also in the price range of many hoping to use FHA loans. There was a general opinion out there that a stove had to be in the home for it to meet the minimum standards for FHA. I've run into this some time ago, and found that in 2006 there where changes made and that appliances in general were no longer required, but only noted if they were there on the new Fannie Mae Uniform Residential Appraisal Report - Form 1004.
For those that still don't believe that stoves are NOT required by FHA, here's a response directly from them.
Thank you for contacting the FHA Resource Center.  Below is a summary of your request and our response.
 
If this issue is not resolved to your satisfaction, you may reopen it within the next 2 days.
 
Thank you for allowing us to be of service to you.
 
Subject
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FHA Loan Questions
 
Discussion Thread
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Response (James Talley) - 06/11/2008 04:13 PM
Thank you for contacting the FHA Resource Center.  Please see the following response to your inquiry.
 
Must a new or existing home have a stove in order to ... more

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