FHA Inspection Concerns for Minnesota Realtors
FHA loans require an appraisal with minimum property standards focused on safety, security, and soundness — not a home inspection. Advise FHA buyers to get a separate home inspection, and watch for the FHA-specific items that can hold up a Minnesota closing.
FHA loans require an appraisal with minimum property standards focused on safety, security, and soundness — not a home inspection. Advise FHA buyers to get a separate home inspection, and watch for the FHA-specific items that can hold up a Minnesota closing.
FHA minimum standards
Working utilities, safe electrical and heating, a sound roof, proper drainage, and — on pre-1978 homes — no peeling lead-based paint. These are appraisal conditions, not a condition survey.
Items that commonly trigger conditions
Roof condition, peeling paint, missing handrails, and inoperable systems are frequent FHA flags on older Minnesota housing stock.
Why pair it with an inspection
A full inspection covers everything FHA standards do not — EIFS, the sewer, the structure, and end-of-life systems.
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