These items are required by FHA to be addressed or inspected are as follows:

• Missing built in kitchen appliances including built in dishwashers, vent hoods and or microwave ovens that were originally a built in item above the stove. It should be noted that it is the lenders underwriter’s discretion to require a stove in the property. Most transactions will require a stove be in the property.
• Defective mechanical systems (electrical, plumbing and heating).
• Leaking or worn out roofs. If appraiser notes missing shingles or roof is in need of repair, then roof inspection/roof repairs are required.
• If the appraiser notates evidence of termites a termite inspection will be required. Conditions conducive to termite infestation: Earth to wood contact, soil slopes toward foundation, and wood debris close to the home – termite inspection should be required.
• Evidence of structural problems – such as foundation damage caused by excessive settlement (significantly large and/or several cracks in floors and walls or bulging foundation walls).
• Defective interior paint surfaces in homes constructed in or prior to 1978.
• Defective exterior paint surfaces in any home where there is exposed wood or any other otherwise unprotected surface.
• Standing water against the foundation (generally due to faulty grade).
• Inadequate access/egress from bedrooms to exterior of home. Security bars must have quick release latches.
• Hazardous materials on the site or inside the home.
• Empty swimming pools/green or cloudy water. Pools have to be filled; water has to be clear and pump has to be tested. Pools need to be in working order.