Partial FHA Home Loan check list for Health and Safety-Redding

FHA will require the home to be sound and safe. This is a partial list to consider when previewing homes with an FHA loan in mind.

Site Hazards such as household trash, paint cans, toxic substances laying around the property

Excessive hazards from smoke, fumes, or noise from neighboring properties

Large storage tanks of flammable liquids (over 1,000 gallons)

Septic systems wtih obvious signs of failure

High voltage towers in the fall distance

Bad grading with water pooling under or around house

Obvious signs of dry rot or insect infestations

Large foundation cracks

Pier and Post foundations with obvious unevenness will require inspection

Water damage in bathrooms or kitchen (requires inspection)

Blocked access to crawl space or attic (appraiser must inspect)

Evidence of deterioration of roofing materials (appraiser will require 2 year roof certificate or replacement)

Water heater must be working

Home must have an operational permanent heat source adequate to heat the entire dwelling

Wood stove as primary heating source is not allowed, permanent heat source must be installed

All plumbing fixtures should be operational with no leaking faucets, toilets, etc.

No exposed electrical wires in living areas, If wiring has been modified, appraiser may ask for an electrical inspection and certification

Appliances must be present and operational (minimum of a range/oven)

Broken windows or exterior doors, holes in wall, missing locks

Security bars with no quick release

Blocked accesses (doors, windows)

High decks with no railing

All peeling paint must be removed and surfaced repainted on homes built before 1978 (possible oil base paint)

Dangerous, dilapidated outbuildings may require repair or removal

Pool water must be blue with functioning pump