First time with FHA

[Zoe]

Okay, I'll dig deeper. Do you own the property free and clear? You should be able to get a mortgage loan to help you fix the heat source problem. Is your credit score okay?

Electric can be reliable heat source that FHA will approve as long as it is considered a fixture to the real property.

Take a mini split or wall baseboard electric unit that is electric. FHA will approve that.

What type of heating system does your home have presently?

I assume it is gas fired propane. Is it adequate to keep the house 50 degrees? You just need propane fuel or a new tank or what?

I have the money part down. You need money.

 

[OV79]

Okay, I'll dig deeper. Do you own the property free and clear? You should be able to get a mortgage loan to help you fix the heat source problem. Is your credit score okay?

Electric can be reliable heat source that FHA will approve as long as it is considered a fixture to the real property.

Take a mini split or wall baseboard electric unit that is electric. FHA will approve that.

What type of heating system does your home have presently?

I assume it is gas fired propane. Is it adequate to keep the house 50 degrees? You just need propane fuel or a new tank or what?

I have the money part down. You need money.

First, Zoe I like how you keep to the point. The truth is hard like a rock, keep being like this with me. Much respect!

Her mom owns the property. Problem is that if she goes to a nursing home, the state will come for the house for payment.

My credit is around 530. It was 640. Things happen.

We have a broiler water heat system. Very inefficient and expensive to fill tank.

[[ Side note and not to sabotage my thread, the secondary pressure gage is in the house and vented out. Will this be a problem? If I need a new thread, I will do so. ]]

As for 50 degrees, we have a septic tank so running the water is not an option. It will also wear out the pump over time.

We have had good luck with staying above 50 because someone is always at the house.
6 people live here. One being a 3rd shifter.


All of you have been a big help!

 

[Tom D]

Call an appraiser in the area. They will walk thru the house and verbally tell you what is needed. We can kinda can generally tell you, but this house is apparently a fixer upper, which is whole different issues. You don't need a report if your questions are only FHA repairs specific. And it shouldn't cost you much to do it. And they might have some good repair suggestions about doing this, or that.
If you miss something, you would have to pay a reinspection fee anyway. Good luck, you have many issues to deal with. Long time appraiser will have seen everything and is a good source of fix its.

 

[OV79]

Okay, I'll dig deeper. Do you own the property free and clear? You should be able to get a mortgage loan to help you fix the heat source problem. Is your credit score okay?

Electric can be reliable heat source that FHA will approve as long as it is considered a fixture to the real property.

Take a mini split or wall baseboard electric unit that is electric. FHA will approve that.

What type of heating system does your home have presently?

I assume it is gas fired propane. Is it adequate to keep the house 50 degrees? You just need propane fuel or a new tank or what?

I have the money part down. You need money.

First, Zoe I like how you keep to the point. The truth is hard like a rock, keep being like this with me. Much respect!

Her mom owns the property. Problem is that if she goes to a nursing home, the state will come for the house for payment.

My credit is around 530. It was 640. Things happen.

We have a broiler water heat system. Very inefficient and expensive to fill tank.

[[ Side note and not to sabotage my thread, the secondary pressure gage is in the house and vented out. Will this be a problem? If I need a new thread, I will do so. ]]

As for 50 degrees, we have a septic tank so running the water is not an option. It will also wear out the pump over time.

We have had good luck with staying above 50 because someone is always at the house.
6 people live here. One being a 3rd shifter.


All of you have been a big help

 

[OV79]

@Zoe
I found this. See attachment.

 

[Dublin ohio]

@Zoe
I found this. See attachment.

Permanently installed baseboard heat has been acceptable for years. But one thing to consider is the size of your electric service. The "rule of thumb" for baseboard heat is 10 watts per sf. So a 10 ' x 10' room would need a 1000w baseboard unit. They are typically rated at 250 watts per foot, so that would be a 4' baseboard heater. Calculations are generally based on 8' ceilings and typical wall insulation. The one disadvantage of electric baseboard is that not to place furniture in front of it in close proximity, the same with curtains

 

[OV79]

Permanently installed baseboard heat has been acceptable for years. But one thing to consider is the size of your electric service. The "rule of thumb" for baseboard heat is 10 watts per sf. So a 10 ' x 10' room would need a 1000w baseboard unit. They are typically rated at 250 watts per foot, so that would be a 4' baseboard heater. Calculations are generally based on 8' ceilings and typical wall insulation. The one disadvantage of electric baseboard is that not to place furniture in front of it in close proximity, the same with curtains

Just to be clear. 240v electric baseboard heater installed will pass an appraisal?

​

 

[Dublin ohio]

Just to be clear. 240v electric baseboard heater installed will pass an appraisal?

​

As long as it correctly permanently installed

 

[Tom D]

Some of you are giving advice on a house you haven't seen 1 part of. Do some of you have a contractors license in that state. Yea george, you can do that, i'm an appraiser expert. When the house burns down after your free unseen advice. We don't give values here, why the explicit remediation for something you haven't seen 1 part of.

 

[OV79]

Some of you are giving advice on a house you haven't seen 1 part of. Do some of you have a contractors license in that state. Yea george, you can do that, i'm an appraiser expert. When the house burns down after your free unseen advice. We don't give values here, why the explicit remediation for something you haven't seen 1 part of.

Do have any advice? I can take pictures if you like.