A lender is requesting the following: The lender is wanting this exact verbiage "the subject property meets minimum property standards for existing dwellings as outlined in HUD Handbooks 4150.2 & 4905.1". Please have the appraiser add this exact wording. thank you. I have a "meets or exceeds minimal FHA/HUD property standard" verbiage in my report. Is the lender going a little overboard on this? I cannot find the usage of this verbiage in the manual, unless I am overlooking this!