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  #1  
Old 01-25-2006, 10:13 PM
Greg davenport Greg davenport is offline
 
Join Date: Mar 2004
Location: Central Arkansas
State: Arkansas
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Ok HUD does not give a definition of a bedrooms, but does say this
Quote:

Window Type
• Enter window type: Double Hung, Single Hung, Casement, Sliders, etc. and
Identify the window frame material: wood, aluminum, steel, vinyl, etc. Rate
the condition observed.
• Bedroom windows with security bars require a quick release mechanism for
emergency egress. If not so equipped or inoperable, condition the appraisal
on a “required repair”.
Now the problem.
These are the only types of windows in this "house"
(The house started life as a metal building)

Can any room in this house be called a bedroom?
Or am I reading too much into the window thing?
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Old 01-25-2006, 10:35 PM
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CANative CANative is offline
 
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Are those fixed windows?

My copy of 4150.2 states "All bedrooms must have adeqate egress to the exterior of the home. ... Occupants of a bedroom must be able to get outside the home if there is a fire.
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  #3  
Old 01-25-2006, 10:38 PM
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Marcia Langley Marcia Langley is offline
 
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Ditto Greg,

FHA requires operable windows for emergency egress. This would be a repair item.
  #4  
Old 01-26-2006, 06:00 AM
Hall McClenahan
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Quote:
Originally posted by Greg Boyd@Jan 25 2006, 10:35 PM
Are those fixed windows?

My copy of 4150.2 states "All bedrooms must have adeqate egress to the exterior of the home. ... Occupants of a bedroom must be able to get outside the home if there is a fire.
OK ! so cost to cure would be to hang a hammer next to the window right!

or for the danger impaired how about a sign that reads!

IN CASE OF FIRE-- BREAK GLASS

Hall
  #5  
Old 01-26-2006, 06:57 AM
john eickhoff john eickhoff is offline
 
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Location: The Colony
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I got written up once by FHA for not making a repair requirement on a garage conversion where it had fixed windows and only 1 door. Like Greg said, this is a safety factor as far as FHA is concerned.
  #6  
Old 01-26-2006, 08:17 AM
Jim Onderisin Jim Onderisin is offline
 
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Location: Du Page County, Illinois
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You might be working this too hard. Based on what I can see in your picture, in an emergency I'd be through that window in 15 seconds or less without hurting myself.
  #7  
Old 01-26-2006, 08:32 AM
Greg davenport Greg davenport is offline
 
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Quote:
Originally posted by Greg Boyd@Jan 25 2006, 11:35 PM
Are those fixed windows?

My copy of 4150.2 states "All bedrooms must have adeqate egress to the exterior of the home. ... Occupants of a bedroom must be able to get outside the home if there is a fire.
I searched the "new" 4150.2 for the keyword bedroom, and I never did find that statement. Where is it, am I missing some pages?

I had my doubts that it could be called a bedroom, but it is a HUD REO, so it had to have bedrooms at some time. (unless someone missed something.)

Quote:
FHA requires operable windows for emergency egress. This would be a repair item.
I belive you, I just was not able to find this in the 4150.2.

I guess where the hang up on this is for me is that fact that FHA already loaned on this property with the windows like they are. If this was not a REO, I dont think I would be so confused.


IF windows can not be opened=safety issue. Then why did FHA accept this property in the first place?
  #8  
Old 01-26-2006, 08:37 AM
Jo Ann Meyer Stratton's Avatar
Jo Ann Meyer Stratton Jo Ann Meyer Stratton is offline
 
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Just because a home received FHA financing in the past does not make the home currently eligible. The property has to meet MPR today--based on your observation and research. If you are doing a FHA REO appraisal--they you would note that the property is uninsurable because of the lack of egress for the bedrooms. Then when the home is placed on the market, a potential buyer would either have to pay cash or apply for a different type of financing. Take lots of photos and have lots of description in your report.
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  #9  
Old 01-26-2006, 09:06 AM
john eickhoff john eickhoff is offline
 
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JoAnn is 100% correct. The house could have been changed from when it was insured or the appraiser failed to report it properly when it was appraised. You need to report to FHA what you see and back it up with photos. Just because the other appraiser made an error doesn't mean you should compound it. Give FHA the facts and let them sort it out.
  #10  
Old 01-26-2006, 11:15 AM
john eickhoff john eickhoff is offline
 
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Not to beat a dead horse but, here are some reference materials: 4150.2, paragraph 3-6B6, page 3-17 and Mortgagee Letter 2005-48 under examples of property conditions that may represent a risk to the health and safety of the occupants...the 1st item listed is: Inadequate access/egress from bedrooms to exterior of the home.
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