“The more FHA-ready a property is before the appraiser visits, the smoother the path to closing will be.”

Exterior Requirements
The first impression matters and FHA guidelines set the bar high for curb appeal and safety. The property should be free from peeling or chipping paint, especially for homes built before 1978 because of potential lead-based paint hazards. Structural elements, such as siding, decks, and trim, should be sound with no rot. Foundations must be stable and free from large cracks, and the roof should have a minimum of two to three years of life left. Proper water drainage is critical, and any tripping hazards, such as uneven walkways or loose handrails, need to be corrected before the appraisal.

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Interior Condition & Safety
Inside the home, everything must be in safe working order. All doors and windows should function properly and lock securely. There should be no exposed wiring or other electrical risks. Walls, ceilings, and floors should be free from significant damage, mold, or water intrusion. Plumbing must work correctly with no leaks, the water heater should comply with safety codes, and the home must have an operational heating system. While air conditioning is optional, if it exists, it should be in good working order.

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Essential Safety Equipment
An FHA-compliant home must have working smoke detectors and carbon monoxide alarms. Seemingly small safety issues like loose stair railings, unstable flooring, or protruding nails need to be fixed before the inspection to prevent delays.

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Special Considerations
Older homes may have hazards such as asbestos or lead paint that must be evaluated and addressed. All utilities should be functional and meet local code requirements. Any alterations to the home must not compromise structural safety or violate zoning rules. In many cases, additional inspections may be needed, such as pest checks, septic system verification, or well water testing. Roofs and attics should be properly insulated and ventilated, with a remaining lifespan that meets FHA standards.

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Avoiding FHA-Related Delays
A proactive approach can save valuable time. Schedule a pre-appraisal check to identify potential issues in advance. Communicate with the listing agent to ensure any problems are fixed before the appraiser arrives. Educate your buyers on the repairs needed for FHA approval so expectations are clear. Keeping a reliable contractor on standby for quick fixes can prevent delays from derailing the closing timeline.