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FHA Kitchen Question

Discussion in 'FHA/HUD and VA' started by ashleyj, May 22, 2009.

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  1. ashleyj

    ashleyj New Member

    0
    May 14, 2009
    Professional Status:
    General Public
    State:
    Washington
    Here's a question for you experts: Does FHA require a full stove or is a hot plate sufficient. Does FHA require a full size fridge or would a small fridge be sufficient? Thoughts are appreciated!
     
  2. Mr Rex

    Mr Rex Elite Member

    114
    Jan 12, 2004
    Professional Status:
    Certified Residential Appraiser
    State:
    North Carolina
    Must a new or existing home have a stove in order to be eligible for FHA financing?

    Answer

    Neither a new home nor an existing home has to have a stove in order to be eligible for FHA financing.

    Reference 'Handbook 4905.1 REV1, Section 2-5'


    No requirement for a fridge for FHA either.
     
  3. RSW

    RSW Elite Member

    25
    Feb 18, 2002
    Professional Status:
    Certified Residential Appraiser
    State:
    Tennessee
    Can't say anthing that would trump Rex. He's got it right as usual.
     
  4. Mike Boyd

    Mike Boyd Elite Member

    0
    Jan 18, 2002
    Professional Status:
    Retired Appraiser
    State:
    California
    Double ditto
     
  5. ashleyj

    ashleyj New Member

    0
    May 14, 2009
    Professional Status:
    General Public
    State:
    Washington
    Then what is required for a "functional" kitchen? We recently received an appraisal on a duplex that indicated the kitchen in one of the units was suffering from "functional obsolescence". They checked the yes box next to the question indicating there were Safety, Soundness, or Security issues and requested a functional kitchen to satisfy this condition. Currently, the unit in question is being used as a rooming house and someone has there bed (!) on top of the kitchen counters.

    Seems to me the appraiser shouldn't have indicated this as an SSS issue but instead should have deducted the amount to cure the obsolescence from the appraised value (e.g., cost to remove bed = 0, cost for appliances = $1000). Thoughts on why this is an SSS issue and what is required to ensure that the unit is not functionally obsolete?
     
  6. Samshile

    Samshile Junior Member

    0
    May 9, 2009
    Professional Status:
    Licensed Appraiser
    State:
    California
    It is not the same as a garage. A kitchen and bath have to be functional. This is typically plumbing. He needs to indicate in more detail what needs to be changed to make it functional. A bed in the kitchen does not stop the sink/ plumbing or the Stove from lighting. Or does it? .If no built in stove it may be some one just doesnt like the idea of a bed in a kitchen.
     
  7. Otis Key

    Otis Key Elite Member

    0
    May 15, 2004
    Professional Status:
    Certified Residential Appraiser
    State:
    New Mexico
    How's the reception on top of that single wide? :rof::rof::rof:
     
  8. RSW

    RSW Elite Member

    25
    Feb 18, 2002
    Professional Status:
    Certified Residential Appraiser
    State:
    Tennessee
    I wouldn't want to cook on the range if there is a matress on the counter top next to it.
     
  9. ashleyj

    ashleyj New Member

    0
    May 14, 2009
    Professional Status:
    General Public
    State:
    Washington
    The kitchen is a u-shaped galley style kitchen and its fairly compact. There are both wall-mounted and base cabinets. The mattress sits across the top of the counters. There is space for a slide-in or free-standing range in this space (none exists in the space at present). There is no space for the fridge inside the kitchen but instead would be placed in the adjacent dining area which is much larger.
     
  10. Greg Bell

    Greg Bell Senior Member

    0
    Jul 7, 2006
    Professional Status:
    Gvmt Agency, FNMA, HUD, VA etc.
    State:
    Louisiana
    All that is required is a sink and four feet of counter space (gotta cut the veggies) , that's it...
     
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