FHA MPR

[Vp@WC]

Anyone ran across a pier and beam house with no foundation walls? Also, can’t get into crawl space so did a head and shoulders which revealed dirt up to floor joist. I can attach a picture for so it’s easier to see, but is that subject to or as is and let the underwriter catch it?

 

[glenn walker]

Is this a manufactured home ?

 

[Vp@WC]

No existing dwelling

 

[Vp@WC]

Here’s a picture of it, looks like water is penetrating the crawl space?

 

[TMG]

Anyone ran across a pier and beam house with no foundation walls? Also, can’t get into crawl space so did a head and shoulders which revealed dirt up to floor joist. I can attach a picture for so it’s easier to see, but is that subject to or as is and let the underwriter catch it?

If there's dirt up to the floor joists, then there would be no crawl space anymore? How'd all the dirt get there?

 

[Vp@WC]

If there's dirt up to the floor joists, then there would be no crawl space anymore? How'd all the dirt get there?

Don’t know it was there when the appraiser took the picture, but this is from appraisal on my house. I’m not an appraiser just looking for opinions as how one would say this met the standards when it clearly doesn’t. I’m just the client of this not the intended user so I’m treading carefully

 

[Vp@WC]

Could one make an assumption/opinion that there should of been an adjustment of value taken against the lack of the foundation and crawl space? If so how do you guys determine the value of such repairs?

 

[Rlong]

previously HUD required like 18", but they have relaxed some of those (I have not run into this one). if it was untreated (typically fir) joist sitting on/near dirt, then I would probably declare a soundness issue; they WILL rot. It also looks like your in Texas, a termite area! I would have to see more pictures but "white wood" on dirt will not last long what so ever. I'd Move! : )

Bob in CO

 

[Terrel L. Shields]

Pier foundations are often with a floating slab. So I don't understand why the siding is so low down to the ground. A good Pier and post should still have some space between the ground and the bottom of the siding. I would flag it for inspection and let the UW and mortgagee determine its structural integrity.