• Welcome to AppraisersForum.com, the premier online  community for the discussion of real estate appraisal. Register a free account to be able to post and unlock additional forums and features.

couple of FHA questions

Status
Not open for further replies.

moekelly24

Freshman Member
Joined
Jan 28, 2008
Professional Status
General Public
State
Alabama
is there a limit to ceiling height.. this one has a 6 1/2 foot ceiling, will that be considered deficient? It is a farm house out in the country.

will a window unit ac installed thru the wall be considered a/c? What is acceptable for heat?
 

Anthem

Senior Member
Joined
Mar 10, 2004
Professional Status
Certified Residential Appraiser
State
North Carolina
Is 6 1/2 feet the lowest point? Or the ceiling height for the entire home?

ANSI standard is 7'

This is from the HUD Handbook 4150.2
4-4 UNIQUE PROPERTY APPRAISALS
Appraisers are sometimes faced with unique properties: a log home, an extra small home, lower than
normal ceiling heights, etc. Eligibility of these properties depends on whether or not the property is
structurally sound and readily marketable. If a property meets these criteria, the appraiser estimates
market value. However, depending on the uniqueness of a property, the final determination to accept or
reject the property is made by the lending institution's underwriter.
 

Rufus

Junior Member
Joined
Apr 3, 2008
Professional Status
Licensed Appraiser
State
Indiana
Also from 4150.2:

14. Heating

Heating must be adequate for healthful and comfortable living conditions: Dwellings that use wood-burning stoves or solar systems as a primary heat source must have permanently installed conventional heating systems that can maintain a temperature of at least 50 degrees F. in areas containing plumbing systems. These systems must be installed in accordance with the manufacturer's recommendations.

Properties with electric heating sources must have an acceptable electric service that meets the general requirements of the local municipal standards.

All water heaters must have a non-adjustable temperature and pressure-relief valve. If the water heater is in the garage, it must comply with local building codes.

All non-conventional heating systems - space heaters and others - must comply with local jurisdictional guidelines.
 

moekelly24

Freshman Member
Joined
Jan 28, 2008
Professional Status
General Public
State
Alabama
Thanks for the help.. the room I am talking about with the heat is an add on without a/c running to it.. rest of house has cha and the owners use a window unit..
 

Mike Boyd

Elite Member
Joined
Jan 18, 2002
Professional Status
Retired Appraiser
State
California
Cooling is not a requirement for FHA loans.
 

moekelly24

Freshman Member
Joined
Jan 28, 2008
Professional Status
General Public
State
Alabama
so just heat is a requirement? Is that true for all states ? This is in Alabama. They could just get a permanent heat source then and be ok to consider it as square footage?
 

Mike Boyd

Elite Member
Joined
Jan 18, 2002
Professional Status
Retired Appraiser
State
California
so just heat is a requirement? Is that true for all states ? This is in Alabama. They could just get a permanent heat source then and be ok to consider it as square footage?

Yes, yes and yes.
 

moekelly24

Freshman Member
Joined
Jan 28, 2008
Professional Status
General Public
State
Alabama
thank you so much.. we checked into the ceiling height some more, the amount of room my husband can reach to touch and he thinks it is closer to 6ft 10.. maybe this will be close enough... thank you all for the help
 
Status
Not open for further replies.
Find a Real Estate Appraiser - Enter Zip Code

Copyright © 2000-, AppraisersForum.com, All Rights Reserved
AppraisersForum.com is proudly hosted by the folks at
AppraiserSites.com
Top

AdBlock Detected

We get it, advertisements are annoying!

Sure, ad-blocking software does a great job at blocking ads, but it also blocks useful features of our website. For the best site experience please disable your AdBlocker.

I've Disabled AdBlock
No Thanks