Connection to public sewage

[adventure0us1]

B. Individual Sewage Systems:

1. Individual sewage systems may be acceptable when the cost to connect to a public or community sewage system is not reasonable as defined by the lender.

[FONT=Verdana, Geneva, Arial, Helvetica, sans-serif]a) 3% or less of the estimated value of the property is the suggested benchmark.
b) The lender is responsible for determining if connection is feasible.[/FONT]
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The lender is asking me to determine if connection is available/feasible to public sewer. Am I mis-interpreting this section of 4150.2? What is the role of the appraiser in determining this? Thanks for the help.
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[Walter Kirk]

I think that the feasibility of public water/sewer connection is the responsibility of the underwriter. I can understand asking an appraiser whether these utilities are avaliable but not to determine feasibility.

 

[Mountain Man]

FHA no longer requires the subject to be hooked up, even if available. Just one of the many changes made this past year. So your UW needs to take an FHA update class... old rules no longer apply.

 

[RSW]

FHA no longer requires the subject to be hooked up, even if available. Just one of the many changes made this past year. So your UW needs to take an FHA update class... old rules no longer apply.

Where did you get that information? I would like to see that in writing for my records. I've had lenders ask as to if the sewer hookup was feasible and I tell them to read HB 41.50.2.