Fha Requirement For Layers Of Roof Shingles

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.

Fha requirement for layers of roof shingles. Federal housing administration fha loans must meet safety. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. 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. O wherever there is a possibility of creating an.

This of course is a judgment call that the appraiser is required to make. If it has that many layers certification is likely out of reach unless the whole roof is replaced. It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value. A federal housing administration loan or fha loan has very similar requirements to the va loan.

O some local codes may require 30 pound felt. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. Under the roof section we find the following. O low sloped shingle roofs 2 in 12 to 4 in 12 require 2 layers of 15 pound non perforated.

Be cemented to the substrate and to each other to. 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. Regardless of the slope. Fha single family housing policy handbook cited at references.

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. Ice dam along the eaves the underlayment shall. 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.

Remove the existing shingles then roof with new shingles. Fha loan reader questions. Roofs that already have two layers of 2 shingles should not be roofed again. 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.