FHA Repairs - VC11G "Catch All" Category

[Dorrie Klatt]

Hello Everyone-

Just looking for other opinions of what safety issues you look for that are not specifically addressed on the VC sheets and would fall under the VC-11G "Catch All" spot.

I have e-mailed REAC for a general list of those items not specifically addressed on the VC sheets, but that they would look for if a FHA appraisal got reviewed. That was on 5/28 and still no response..... :roll:

I will try them again, but just reaching out for other opinions from my peers!

Thanks in advance for everyone's opinion!

Dorrie

 

[Farm Gal]

Dorrie:

8O Don't wait by your mailbox, you'd die of old age :lol: :lol:

There are lots of specifics, but if you think of it this way you are on the right track:

Use the three "S"es
1 Safety,
2 Security
3 Sanitation

Anything which adversely contributes to any of the above, and is not specifically mentioned in any of hte other VC slots goes into 11-g...

On the other hand you are encouraged not to nit-pick, nor to adversely affect the purpose of the program: getting folks into property ownership...
As a prior poster indicated: I hope you (SHOULD) get combat pay for this!

Personally I sort of take the step back and look at the house as if I were going to put my toddler grandchild or inquisitive 8 year old into the house: what could cause them harm?

Is the 120 foot tree outside rotten? Fence, broken trim or concrete, trip hazards, holes permitting small people to zap, puncture, or otherwise damage their persons? Are there handrails for elderly or unstable person to grab in case they start to lose their balance? Think, Normal healthy adults, and then think young, old or infirm person traversing the property and attempting to perform normal living movement in and outside the house.

OK other posters, add on!

 

[larryhaskell]

Dorrie,

I agree with Lee Ann but also include windows in bedrooms that won't open (different than 11 d to me), inoperable smoke detectors or kitchen appliances, piles of junk in yard, lumber with exposed nails, electrical wiring running to breaker box possibly within reach from 2nd floor deck. Ignore realtors or LOs who tell you there are no kids going to be living in the house. HUD doesn't care. I've been told more than once, we address issues for anyone that might be on the premises. Finally, any item on the premises has to be operational and they can't just remove items that don't work, i.e. dishwasher because it will leave a vacant spot under the cabinets. I'll post more if the old gray matter remembers or encounters something yet unseen. .

 

[Atlanta CG]

Agree with LeAn - but we call it Health, Safety and Sanitation. Todler grandchild AND an 8 year old? You have a healthy lifestyle.
go h.....

 

[Ben Vukicevich SRA]

Sanitation???????

3) Saleability

 

[Brad Pack]

Three S's Rule: Saleability, Safety, Security. 4150.2, D-2

 

[Ben Vukicevich SRA]

Ha, Old guy

I beat you on the post. Not too shabby-both at 7:22pm

We got to stop thinking at the same time on opposite coasts. Could be really scary.


Ben

 

[Farm Gal]

sorry Sanitation is a hangover from my FEMA disater rat days.

Technically you gents are correct, but the reason I use MY third "S" in considering this matter: is that HUD really DOESN'T care about saleability in terms of as long as it is sanitary and safe, the cosmetics are NOT VC item fails!

Carpets can be absolutely filthy as long as it is not to the point of a health hazard, walls (interior paint or wallpaper) can be ugly as sin as long as the VC SAFETY issues are met the house can FHA

VALUE may be an issue! but again that is not a VC fail...

So I think I am going to stick with my 3 S's :wink: and I have had more than a few VC fails due to matters of health/sanitation when it comes to flooring :roll:

 

[Charlotte Dixon]

Yes, we adhere to the "Three S's" for V.A. loans too, but there is always an exception. Real Live Current Example follows....
V.A. Appraisal Subject To:
1) Two junk buildings (which are falling down) to be removed
Problem #1: Turkey buzzard lives in one. Protected species, they say.
Problem #2: Mother turkey buzzard has laid eggs in that junk building.
Problem #3: Eggs hatch and there are two babies.
What is that mean appraiser going to do? I'll tell you what, refer it to regional office, who in turn refers it to Washington, D.C. The big guys say let the old building which houses the protected species stay. Protected species? I didn't know that...but whatever. So much for the Three S's :!: