I'm a loan officer, not an appraiser, but I ran across this forum and figured I'd ask ... I've got two customers who really want to buy a house in a rural part of New Hampshire that's serviced by a dug well. It's not something we see often, and at first it looked like they could not finance with FHA. But the appraiser cited the FHA handbook which appears to allow dug wells with a complete report from an engineer. Problem is, it's not clear what type of engineer we need to be hiring: civil, sanitary, hydrogeologist with an engineering license? I'm wondering if anyone out there has ever encountered a similar situation, and what happened?