FHA Compliance Inspection
When is an FHA Compliance Inspection Needed?
While all FHA loans require property appraisals, not all of them will require the submission of an FHA compliance inspection. These are only needed in specific circumstances. For example, if you are purchasing a home that is going through major remodeling or reconstruction or if it is being built brand new then you will be required to have this inspection done. In some cases, you may need to have more than one inspection, as well as a final inspection, completed on the property in order to qualify for an FHA loan.
This type of effort is needed to ensure that problems are being corrected, if they exist, or are being prevented during the construction. By doing periodic inspections, the FHA also helps protect you because you won’t have to worry about finishing construction and having a final inspection only to find out there are more things which need attention before the government will secure the mortgage.
Items typically requiring an FHA Compliance Inspection:
- Repairs or upgrades to Manufactured Home Foundations specified by a Professional Engineer
- Home repairs specified by an FHA Appraiser
- Roof repairs specified by a Roof Inspector
- Damage by WDO, wood destroying organisms
- Grading or site issues on a new Manufactured Home or Site Built Home
- Installation issues on a new Manufactured Home
- Construction or completion issues on a new Site Built Home
- Distance separation issues regarding septic tanks, wells and chemically treated soil.
- Additions to Manufactured Homes
- Verification of the proper completion of a new Manufactured Home or new Site Built Home
Choosing the Right Compliance Inspector
Compliance Inspections are to be performed by an FHA Fee Inspector. Pacific Crest has been performing Compliance Inspections since 2002.
Always work with compliance inspectors who have completed this type of work in the past. They are different than standard inspections so you want someone who understands the requirements and who has completed the paperwork many times in the past. Also, it’s a good idea to work with the same compliance inspectors throughout the process so they can get a feel for how the work is progressing. You can also build a relationship with these inspectors and that makes it easier to communicate and to discuss your concerns and questions with them as the process continues.
Pacific Crest also provides FHA Foundation Inspections.
Pacific Crest Inspections is an licensed Home Inspection company located in Anacortes providing house and property inspections in Skagit, Snohomish, Whatcom, San Juan and Island Counties. Click here to see a map. Our Inspections include pre-listing, pre-sale and new construction inspections for residential, commercial multi-family, and condominiums. Not sure of what we are talking about? Look at our “what is a home inspection page?”
Pacific Crest Inspections territory covers Skagit, Island, San Juan and Whatcom County communities including Anacortes, Bellingham, Burlington, Camano Island, Ferndale, Mount Vernon, Sedro Woolley and Oak Harbor.
Snohomish County communities we inspect include Arlington, Bothell, Everett, Darrington, Edmonds, Granite Falls, Lake Stevens, Lynnwood, Marysville, Mountlake Terrace, Stanwood, Woodinville