Fha Max Roof Layers

The appraiser must clearly state whether the subject is to be repaired or re roofed.

Fha max roof layers.

We get many questions about the fha home loan appraisal process including specific questions about certain conditions that may or may not affect the sale of a given home. The two layer maximum is the rule of thumb because the weight of the shingles plus a load of winter snow can stress the framing of the roof. A federal housing administration loan or fha loan has very similar requirements to the va loan. Steep sloped roof products such as tile slate metal and shakes only allow one layer.

Also with multiple layers of roofing the nails or. Water heaters the water heater must meet local building. On most flat roofs such as epdm tpo or modified it is perfectly acceptable to two layers of roofing. This of course is a judgment call that the appraiser is required to make.

As with the va loan an fha loan requires that the roof on a home not be leaking. For many years it was acceptable to put even the third layer. One of the fha rules for the roof requires the appraiser to report if it has less than 2 years remaining life and require it to be replaced. If more than 2 layers of existing roofing and repair is necessary then all old roofing must be removed as part of the re roofing.

If more than 2 layers exist and repair is necessary then all old roofing must be removed as part of the re roofing. Can i get an fha loan on a house if it has 2 layers of shingles and the 2nd layer is less than 20. Here s one of the most recent. Asphalt shingles typically can have one more layer added over the top two roofs total.

To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof. Fha will accept a maximum of 3 layers of existing roofing. If the inspection reveals the need for roof repairs and the roof already has three or more layers of roofing the fha requires a new roof. If the roof has less than two years remaining life then the appraiser must call for re roofing or repair.

But that s not all the fha also requires a minimum amount of durability. Fha will accept a maximum of 3 layers of existing roofing. The roof should have a remaining physical life of at least two years.