Does FHA still require exposed wood to be painted?

[Trihard]

I been searching through Handbook 4000.1, effective April 29th and did not find anything about exposed wood. I know that in the past there was a paragraph about exposed wood, but it looks like its gone now.

 

[TerryRohrer]

I been searching through Handbook 4000.1, effective April 29th and did not find anything about exposed wood. I know that in the past there was a paragraph about exposed wood, but it looks like its gone now.

Well, when you word it like that, how can we in good conscience tell you to RTFM? (FYI, I haven't yet, so can't answer)

 

[CGinMN]

It depends, search the term ‘defective paint’ and make sure you are in the correct chapter.

 

[Mike Ault]

Here is what a quick search revealed this morning from the latest handbook (issued 05/20/2024)

(11) Defective Exterior Paint Surfaces The Mortgagee must confirm that the exterior of the Property is free from any defective paint that exposes the dwelling subsurface to the elements (e.g., cracking, chipping, peeling, flaking, scaling paint, etc.).

Handbook 4000.1 Page 608


i. Defective Paint (01/24/2022) If the dwelling or related improvements were built in or after 1978, the Appraiser must report all defective paint surfaces on the exterior and require repair of any defective paint that exposes the subsurface to the elements.

Handbook 4000.1 Page 840

 

[Tom4value]

Here is what a quick search revealed this morning from the latest handbook (issued 05/20/2024)

(11) Defective Exterior Paint Surfaces The Mortgagee must confirm that the exterior of the Property is free from any defective paint that exposes the dwelling subsurface to the elements (e.g., cracking, chipping, peeling, flaking, scaling paint, etc.).

Handbook 4000.1 Page 608


i. Defective Paint (01/24/2022) If the dwelling or related improvements were built in or after 1978, the Appraiser must report all defective paint surfaces on the exterior and require repair of any defective paint that exposes the subsurface to the elements.

Handbook 4000.1 Page 840

Beat me to it. I would also add that this also applies to appraisals for conventional loans. Many people and some appraisers think that a safety issue or an issue that would harm the structure (exposed wood to the elements) that is a no-no for FHA is ok for conventional.

 

[Trihard]

Here is what a quick search revealed this morning from the latest handbook (issued 05/20/2024)

(11) Defective Exterior Paint Surfaces The Mortgagee must confirm that the exterior of the Property is free from any defective paint that exposes the dwelling subsurface to the elements (e.g., cracking, chipping, peeling, flaking, scaling paint, etc.).

Handbook 4000.1 Page 608


i. Defective Paint (01/24/2022) If the dwelling or related improvements were built in or after 1978, the Appraiser must report all defective paint surfaces on the exterior and require repair of any defective paint that exposes the subsurface to the elements.

Handbook 4000.1 Page 840

Thanks. I know it was worded differently before. It is a lot more vague now. But it looks like they want all the bare wood painted.

 

[CGinMN]

Exposed wood on the interior, no. Exposed green treated wood on the exterior, no. Pretty much everything else, yes.

 

[Mike Ault]

Thanks. I know it was worded differently before. It is a lot more vague now. But it looks like they want all the bare wood painted.

Yes they removed the word "missing" from the paint repair protocol.

 

[ZZGAMAZZ]

Beat me to it. I would also add that this also applies to appraisals for conventional loans. Many people and some appraisers think that a safety issue or an issue that would harm the structure (exposed wood to the elements) that is a no-no for FHA is ok for conventional.

I agree. It always seemed to me that a potential H&S hazard that must be reported to HUD would also be considered a H&S hazard to report to all lenders for all loans, althogh the AF often disagreed in the past.

 

[Zoe]

Remember 1978.

I am bad on exposed wood. I know I am like :