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  #1  
Old 05-22-2009, 03:06 PM
ashleyj ashleyj is offline
 
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Default FHA Kitchen Question

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!
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Old 05-22-2009, 03:23 PM
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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.
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Old 05-22-2009, 05:22 PM
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Can't say anthing that would trump Rex. He's got it right as usual.
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Old 05-23-2009, 10:13 AM
Mike Boyd Mike Boyd is offline
 
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Originally Posted by RSW View Post
Can't say anthing that would trump Rex. He's got it right as usual.
Double ditto
  #5  
Old 05-24-2009, 10:15 AM
ashleyj ashleyj is offline
 
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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?
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Old 05-24-2009, 10:22 AM
Samshile Samshile is offline
 
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Quote:
Originally Posted by ashleyj View Post
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?
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  
Old 05-24-2009, 11:06 AM
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Quote:
Originally Posted by Mr Rex View Post
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.
How's the reception on top of that single wide?
  #8  
Old 05-24-2009, 03:49 PM
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I wouldn't want to cook on the range if there is a matress on the counter top next to it.
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  #9  
Old 05-24-2009, 04:05 PM
ashleyj ashleyj is offline
 
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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  
Old 05-24-2009, 06:01 PM
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All that is required is a sink and four feet of counter space (gotta cut the veggies) , that's it...
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