Fha Requirement For Layers Of Roof Shingles

It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value.

Fha requirement for layers of roof shingles.

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. Federal housing administration fha loans must meet safety. The condition of the roof is important as it s a major source of headaches for a home owner if there is a problem down the line. Appraisal requirements for fha mortgage loans are found in hud 40001 and include guidelines for electrical systems plumbing paint and also requirements for the roof.

Hud hoc reference guide roofs attics chapter 1 appraisal property requirements page 1 24. Another thing to keep in mind is that the roof cannot have three layers of shingles or more. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. Be cemented to the substrate and to each other to.

To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof. This of course is a judgment call that the appraiser is required to make. The covering must prevent moisture from entering and provide reasonable future utility durability and economy of maintenance the appraiser must visually examine the roof to determine whether deficiencies present a health and safety hazard or do not allow for reasonable future utility. Here is a typical excerpt limiting the number of shingle layers on a residential roof to two.

Remove the existing shingles then roof with new shingles. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. If it has that many layers certification is likely out of reach unless the whole roof is replaced. O low sloped shingle roofs 2 in 12 to 4 in 12 require 2 layers of 15 pound non perforated.

Roof requirement for the fha mortgage loan this page updated and accurate as of october 5 2020 fha mortgage source among the most frequently asked questions that figure on most people s minds when it comes to borrowing an fha loan pertain to fha appraisals and the minimum qualifying criteria for the roof of the borrower s home. A reader asks for an fha loan are there roof requirements on a detached garage or do the requirements solely apply to the roof over the home fha loan rules for property analysis can be found in hud 4150 2. Roofs that already have two layers of 2 shingles should not be roofed again. Fha single family housing policy handbook cited at references.

Under the roof section we find the following. O wherever there is a possibility of creating an. Fha loan reader questions. Regardless of the slope.