Forgotten Your Password?

Need to Register?

Question Icon

what should I expect from an FHA home inspection for a loan

by doglover_sarah89870 from Hereford, Arizona. Mar 31st 2015 Reply

William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,726 contributions

If the property has any deficiencies that affect safety or health concerns.. then the appraiser will make his valuation "Subject to" the deficiencies being corrected.. typically, exposed wiring, leaking pipes, mold, broken windows or doors, leaking roof, etc.. keep in mind that the appraisal inspection is not the same as a home inspection.. the appraiser will only note visible deficiencies.. he will not crawl into attics or basements, or check electrical panels, etc.. but only note the obvious.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714

Mar 31st 2015
Linda Wintersteen (Linda123)
#62 ranked lender in Arizona - 1,256 contributions

William covered most, but also they will look at the flooring, ie, tile or carpet, to make sure that there are no problems with safety, like a hole in the carpet that someone could get their foot trapped.. Think of a home inspection as a safety check.Depends on the conditions of your home area, they will look at attics and crawl spaces. For example, I live in AZ BUT I live in the mts , yes we get snow, I live in a ski resort area, so they will look at crawl spaces and attics, for squirrels, raccoons, etc.. because they can chew up electrical cords and cause damage. linda in AZ my email is

Apr 1st 2015
Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,246 contributions

Make note of the difference between a FHA appraisal and a home inspection which William also mentioned. FHA renovation loans that involve structural repairs OR total costs over $35,000 (including contingency and related fees) do also require a Feasibility Study which is done by a certified inspector who will identify required repairs along with working with the buyer to specify additional improvements they also want included in the scope of work being included in the mortgage.

Apr 1st 2015
Subscribe to our news feed.