FHA Flooring Requirements

[glenn walker]

And I thought Ansi was a measuring standard, but now carpeting and rugs enters into the equation. Lol

 

[J Grant]

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According to ANSI standards (ANSI Z765), concrete floors are generally not considered a finished floor in living areas unless they have a decorative finish. Specifically, exposed or painted concrete is not considered finished flooring. However, the standard allows for certain types of concrete floors with decorative finishes to be included as finished floors, such as stamped or stained concrete.

Here's a more detailed explanation:

• General Rule:
  ANSI standards typically require a finished floor covering to be considered a finished space. This includes things like carpet, vinyl, wood, tile, laminate, or stamped or stained concrete.
  
  
• Bare Concrete:
  Bare or painted concrete floors are generally not considered finished floors and would not be included in the living area square footage calculation.

 

[NC Appraising]

https://answers.HUD.gov/FHA/s/artic...GLA-areas-of-subject-properties-on-appraisals

Question
Does FHA require its Appraisers to follow the American National Standards Institute (ANSI®) Z765 Square Footage-Method for measuring, calculating, and reporting gross living area (GLA) and non-GLA areas of subject properties on appraisals?
Answer
FHA does not require appraisers to use the ANSI Z765 Square Footage Method Standards for measuring, calculating, and reporting the Gross Living Area (GLA) for the subject property.

Calculating the improvements' square footage (GLA and non-GLA areas) of the subject property and all comparables should be done consistently to avoid confusion or misleading appraisals.

GLA refers to the total area of finished, above-grade residential space calculated by measuring the outside perimeter of the Structure. It includes only finished, habitable, above-grade living space.


The Appraiser is required in the appraisal analysis and reporting to:

• identify noncontiguous living area and analyze its effect on functional utility;
• ensure that finished basements and unfinished attic areas are not included in the total GLA; and
• use the same measurement techniques for the subject and comparable sales and report the building dimensions in a consistent manner.

When any part of a finished level is below grade, the Appraiser must report all of that level as below-grade finished area, and report that space on a different line in the appraisal report, unless the market considers it to be Partially Below-Grade Habitable Space.


In the case of non-standard Properties and floor plans, the Appraiser must observe, analyze, and report the market expectations and reactions to the unique Property.


The Appraiser may apply a supplemental measurement standard if it does not conflict with these requirements and the Appraiser discloses the use of the standard.


The following guidance regarding reporting the GLA on the Sketch Addendum, which is required with all appraisals:

• The Appraiser must include a building sketch showing the GLA, all exterior dimensions of the house, patios, porches, decks, garages, breezeways, and any other attachments or outbuildings contributing value.
• The Appraiser must show the calculations used to arrive at the estimated GLA. The Appraiser must provide an interior sketch or floor plan for Properties exhibiting functional obsolescence attributable to the floor plan design.

For policy information, see Handbook 4000.1 II.D.3.c and II.D.4.a at https://www.HUD.gov/HUD-partners/single-family-handbook-4000-1

 

[alebrewer]

That whole concrete issue is vague to the point that it is meaningless. Can't count 'painted' or bare concrete - ok, easy enough. But what if its also sealed (which is the case for EVERY painted concrete floor I've set foot on). Now is it GLA? IMO - yes. Doesn't matter who disagrees with me.

 

[Tawfik Ahdab]

Ma.Grant, where did you come up with the notion that FHA requires use of the ANSI measurement standard?

 

[BRCJR]

Ma.Grant, where did you come up with the notion that FHA requires use of the ANSI measurement standard?

Figment of her imagination, not unlike a lot of her other positions........

 

[J Grant]

Ma.Grant, where did you come up with the notion that FHA requires use of the ANSI measurement standard?

I did not say FHA required it. But since it is a URAR lending form, it is required for that set of users -

 

[TerryRohrer]

I did not say FHA required it. But since it is a URAR lending form, it is required for that set of users -

A mind like Joe's!

 

[BRCJR]

I did not say FHA required it. But since it is a URAR lending form, it is required for that set of users -

Thread title:​

FHA Flooring Requirements​

Why bring something irrelevant into the equation?

 

[J Grant]

FHA appraisals are still done on a URAR form.
What have you contributed to the post ?NOTHING but snark - as usual.
The OP can judge what they think is relevant.