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FHA And Tandem Bedrooms

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bororke

Freshman Member
Joined
Jun 14, 2013
Professional Status
General Public
State
Florida
I am an UW reviewing an FHA appraisal. There is a tandem bedroom and a tandem den (meaning the only access to the 3rd bedroom is through the through the 2nd bedroom and the only access to the den is through the 3rd bedroom). Does FHA allow this? I cannot find anything in the handbook.
 

nstanbru

Senior Member
Joined
Feb 19, 2009
Professional Status
Certified General Appraiser
State
California
There are people on this forum who have a greater knowledge of FHA issues than I do. So, FWIW, unless there is a safety problem (emergency exit, e.g.), to me this is a functional issue, not an FHA issue.
 

Randolph Kinney

Elite Member
Joined
Apr 7, 2005
Professional Status
Retired Appraiser
State
North Carolina
I am an UW reviewing an FHA appraisal. There is a tandem bedroom and a tandem den (meaning the only access to the 3rd bedroom is through the through the 2nd bedroom and the only access to the den is through the 3rd bedroom). Does FHA allow this? I cannot find anything in the handbook.

What you are describing is a functional problem and lack of privacy of a bedroom. Because of that, the second bedroom has lost its utility as a bedroom. The same for the third bedroom when accessing the den.
 

RSW

Elite Member
Joined
Feb 18, 2002
Professional Status
Certified Residential Appraiser
State
Tennessee
Why not call the den the bedroom?
 

Rlong

Member
Joined
Jan 31, 2002
Professional Status
Certified General Appraiser
State
Colorado
I concur it is a funcional issue, and i never describe those as a bedroom. In addition i believe it also does not meet building code for egress, occupant needs direct egress to a hall that does not pass through another room. (I still maintain an ICC A test/ contracting license, but don't remember it in detail because mine is primarilly in Commercial)
Bob in CO
 

glenn walker

Elite Member
Joined
Oct 11, 2006
Professional Status
Certified Residential Appraiser
State
California
Call your HOC and get some guidance. No hard fast rule but a Functionally obsolescent floor plan and lack of bedroom privacy may be enough for HUD to recommend you "reject" the property ?
 

Howard Klahr

Senior Member
Joined
Oct 4, 2004
Professional Status
Certified General Appraiser
State
Florida
I am not an appraiser but I have been an UW and have reviewed appraisals for over 30 years.

I review appraisals for a major lender

Could you please tell me what qualifies you with your 30 years of appraisal review experience and your current position as a reviewer for a major lender to perform these reviews and yet not have a firm grasp on functional obsolescence and what FHA will or won;t accept?

I can appreciate your continuing to come here to an appraisal forum asking valuation questions, however, you continue posting underwriting questions to appraisers. You are not asking valuation questions.
 

glenn walker

Elite Member
Joined
Oct 11, 2006
Professional Status
Certified Residential Appraiser
State
California
The OP stated he/she was an underwriter NOT a reviewer *** FHA/HUD does hold the DE Underwriter responsible for reviewing the appraisal BUT either he-she has no in-house support or is not a DE Endorsed Underwriter and working files for others. No matter what I am not hear to beat him-her up but personally I would just call my appraisal division at HOC and tell them the situation. The Hoc is very helpful to FHA/HUD De-Underwriters because they are the last line in the sand .
 

Howard Klahr

Senior Member
Joined
Oct 4, 2004
Professional Status
Certified General Appraiser
State
Florida
The OP stated he/she was an underwriter NOT a reviewer
I didn't know you wanted to join the conversation Mr. Helper. Contrary to your statement, I can actually follow more than one thread at a time and the OP did in fact state that they're not only an underwriter but also a reviewer for OVER 30 yrs. I find it interesting that someone with such tenure performing these functions has the need to keep coming to a group of appraisers for conformation on how to address underwriting functions.
 
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