Fha Roof Certification Letter

If sellers refuse to provide a roof certification and the roof is older home buyers might decide to pay for their own inspection and make it a contingency of the sales contract.

Fha roof certification letter. As with the va loan an fha loan requires that the roof on a home not be leaking. 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. 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. Many sellers are advised to provide a roof certification to the buyer as part of the sales process.

A federal housing administration loan or fha loan has very similar requirements to the va loan. In order to pass the appraisal process the roof must also provide reasonable future utility durability and economy of maintenance according to the fha official site. Roof certifications give buyers peace of mind. For this purpose the appraiser is assigned with the responsibility of evaluating the home to ensure that it meets the standards as laid down by the fha and assigns it with the.

If it has that many layers certification is likely out of reach unless the whole roof is replaced.