FHA/VA Property Checklist

  • Attic Access - If it's blocked, locked or screwed shut, a re-inspection will be required. Make sure there is access!

  • Crawl Space - it will be the homewoner's responsibility to make this area accessible, so that it can be inspected

  • Chipped/Peeling Paint - if the home is 1978 or older, chipped/peeling paint will need to be scraped & painted

  • Smoke detectors - must have one on each floor and outside each separate sleeping area.

  • GFI Outlets - need in the bathrooms and near open sinks in kitchen (per most local codes, not FHA)

  • Electrical - Exposed wiring or uncovered juntion boxes.

  • Broken - windows or doors will need to be repaired

  • Safety handrails - Should be installed in open stairwells of three or more stairs.

  • Appliances - must have operable stove & refrigerator

  • Plumbing - no leaking faucets and good pressure

  • Trip Hazard - cracked walkways, driveway, poorly installed carpeting

  • Roof - no more than 3 layers of shingles; must have 3-year life expectancy (determined by appraisers visual inspection)

  • Well & Septic - Appraiser will need to confirm the isolation distances from the Well to: Property line / 10', Septic tank / 50', *Drain field/100' (drain field reduced by 75' if allowed by local authority)

USDA (Rural Development) & VA Loans follow same handbook, but will also require....

USDA:

  • Water Test - Required if property has private water source.

VA:

  • Water Test - Required if property has private water source.

  • Termite Inspection - Required on ALL property types (This can be paid for by the buyer)

Michael Bloomquist

Senior Loan Officer

Leadership - Integrity - Focus - Excellence

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