FHA Missing Garage Door

[Dirty Harry]

reading may be a wonderful thing but.

The first line of post #1 reads, "Subject is 88 years old and is being used for a FHA reverse mortgage."

That is why the advice of Brad Pack (who just happens to work for HUD) to require a garage door be installed is quite definitive on the matter.

Mr. Potato Head,

Reading may be a wonderful thing, but a conversation about "pre-screening" can apply to any loan type. Matt and I were getting down to the nitty-gritty of FHA pie in the sky verbiage analysis. I just gave him my take on the new questions he asked.

But, if you want to get back to garage doors, let's do it!

Hmmm... Did anyone ask whether the garage was attached or detached?
Does that make a difference? Why would you require a garage door to be installed, is it really considered a health or safety issue?

Maybe Brad can clue us in on the "return the unfinished appraisal to the lender." verbiage. I still want to know what that looks like?



By the way I have a weakness for tater tots.

 

[Couch Potato]

I apologize for staying in topic. It won't happen again.

 

[Wyoming]

Good question about the garage being attached or not. It is attached.

In my experience, most attached garages have only a typical wall (drywall, frame, insulation) separating them from the GLA. However, there is usually siding between a carport and GLA.
Would this make a difference in its acceptability for FHA?
Also, this is in Wyoming where the snow can fall sideways and tends to get into everything.
Does that make a difference?

 

[RSW]

Mr. Potato Head,

Reading may be a wonderful thing, but a conversation about "pre-screening" can apply to any loan type. Matt and I were getting down to the nitty-gritty of FHA pie in the sky verbiage analysis. I just gave him my take on the new questions he asked.

But, if you want to get back to garage doors, let's do it!

Hmmm... Did anyone ask whether the garage was attached or detached?
Does that make a difference? Why would you require a garage door to be installed, is it really considered a health or safety issue?

Maybe Brad can clue us in on the "return the unfinished appraisal to the lender." verbiage. I still want to know what that looks like?



By the way I have a weakness for tater tots.

I doubt it very seriously if we will hear from Brad anymore on this forum. Some of the other posters made him mad and he has left. That is too bad because he gave us really good insight on FHA appraisals from HUD's point of view. :icon_cry::icon_cry:

 

[Mr Rex]

The interesting thing to me about the attached/detached garage scenario is that FHA doesn't address the fire separation between the garage and the house. An unfinished garage with a wood door from the garage to the house is acceptable to FHA and the dreaded 3 S's? I think they dropped the VC sheets for more nefarious reasons, they realized that the VC sheets implied that they covered all the real safety and health concerns and they only barely scratched the surface and didn't even cover all the FHA required stuff. So they do away with the VCs and continue to reference old references that reference older references until FHA can't be held liable, the appraiser is supposed to read between the lines. So yes, FHA is trying to become more like Fannie. Vaseline on the lens of clarity. Sorry Brad, not your fault I'm sure.:new_all_coholic:

 

[Farm Gal]

OK the ONE thing I might concede is that if it is attached and the missing door give your local crime wave a place to hide while they kick in the door - THAT might fall into the realm of Mr. R's 'appraiser must safety-pad all the corners' ...

My bad, somehow I envisioned a detached garage - cause around here most homes with attached garages don't fall into terrible disrepair!

And that snowfall thing might be an issue up in windy WY.

But still... is it a gotta have it for unfinished reasons?

Since they allow things like :new_2gunsfiring_v1:cracked window glass and all

m2: hate that I mean REALLY!

 

[JSmith43]

A few years back, some guy in WI that kept having people break into the garage at his cabin & swipe his toys, rigged a shotgun at about kneecap level.

When the lock was cut and the door started to open, the shotgun went off. It hobbled the intruder pretty good, but he got caught probably by the blood trail. The owner got into trouble as I recall. Maybe he promised to use rock salt next time. Not sure.

What if he refinanced and forgot to tell the appraiser, just told him where he hid the key. You never know what will turn out to be dangerous

 

[RSW]

I went back an read the OP. It stated that it was a two car garage and one of the garage doors was missing. I think that Brad had it correct when he said the door has to be installed. I don't think that that would fall under cosmetic items.

 

[Mr Rex]

I went back an read the OP. It stated that it was a two car garage and one of the garage doors was missing. I think that Brad had it correct when he said the door has to be installed. I don't think that that would fall under cosmetic items.

What if they took down the other door? Instant enclosed carport:Eyecrazy:

 

[RSW]

What if they took down the other door? Instant enclosed carport:Eyecrazy:

I'd call it a three sided carport.