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Question on a FHA from today

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Robert Rodgers

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Feb 18, 2004
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Certified Residential Appraiser
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New Jersey
Ok from the FHA standpoint we are supposed to look at everything from a health and safety vantage point. This is the first time I have run into this see picture attached.

My opinion is this is a safety issue. This is the interior view of the exterior door on the kitchen. I say safety because if there was a fire in the dining room this would be one of the only way outs, the other 2 being windows, if the key is not left in the door then you are left in the house.

Any opinions or ideas
 

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JoTetherow

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Nov 29, 2006
Professional Status
Certified Residential Appraiser
State
Nebraska
i agree

I agree with you, Robert. I consider this a huge safety hazard.

I havent seen one on an FHA inspection but I have seen it in other homes and generally mention it to the homeowner. They generally reply with "gee, havent thought of that"

i had one old lady..her son had built her a wonderful new colonial and it had one of those locks. I had to wait at the front door until she went upstairs, got the key and then came back down to let me in. She said her son was going to put in a high end security system. I asked her to talk to her son about her doorlock and recommended she have the key around her neck on a chain or have it very convenient to the door. I hope they changed it. I know it is not our job but i do worry about some of the people i run into.

try calling HUD and see what they say then let us know.

Jo
 

CANative

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Jun 18, 2003
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Retired Appraiser
State
California
When I find exterior doors with key only deadbolts I call it out in the report. I would make this an issue.
 

Mztk1

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Dec 3, 2006
Professional Status
Certified Residential Appraiser
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Florida
Definately bring it out and make it a safety issue subject to. If the DU doesn't like it they can over ride it. I had an above ground pool dug into the ground so only 6" was above the ground. The family had a 2 year old and there was no fence nearby, so the kid, or any kid, could just plop right in and be gone. I called for a fence. The LO sent me something from the county saying because it was an above ground pool fences were not required. I said it isn't about the county but about a safety concern with the FHA. The underwriter called FHA in Atlanta, they said it is NOT a safety issue as their concern is frayed wires and shotty electrical boxes and that is about all. FHA told him if that is what they meant by a safety issue they'd require all houses on a through street or moderately travelled road to have a fence! I couldn't believe my ears. But anyway the UW said I did the right thing and to continue to call it a safety issue to cover my butt, make the report subject to, and if he feels it is not a concern for FHA he'll override it, which is what he did.
 

c w d

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Oct 2, 2006
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Florida
2 windows and a door with a deadbolt a safety issue? Come on. You can make the same argument for 2 windows and a door with a latch lock. They're probably more likely to have a home invasion attempt as they are a fire. And latch locks are easy to get at as a lot of doors have small side window panes. Or do we not consider home invasion a threat to safety? Those folks have 2 sure fire means of escaping the room plus the door which may or may not be dead bolted. Ok folks, lets take a deep breath...in through the mouth, out through the nose......in......out......in.....out.

Would you prefer the deadbolt on an interior door?
 

Marcia Langley

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Joined
Aug 26, 2005
Professional Status
Certified Residential Appraiser
State
Missouri
cwd,

It is not an issue of being a dead bolt. It is an issue of being a dead bolt without a turn knob on the interior side. Emergency exit would require having the key. Unlike a latch.
 

Robert Rodgers

Thread Starter
Sophomore Member
Joined
Feb 18, 2004
Professional Status
Certified Residential Appraiser
State
New Jersey
They're probably more likely to have a home invasion attempt as they are a fire.

CWD

The neighborhood they are in it is more likely to worry about the home invasion than the fire but is still does not fail to reason, little old lady in the kitchen she is not going to hop out the window that is 5 feet from the ground. If it was a deadbolt with a thumb knob there would be no issue in my mind but with it NEEDING a key to be opened if it is locked then that is what my issue for safety becomes
 

c w d

Senior Member
Joined
Oct 2, 2006
Professional Status
General Public
State
Florida
I'm not FHA certified yet, but, I've been through the FHA appraiser guidelines, I don't remember seeing anything specific about deadbolts. Anyone care to point me to it? My opinion won't change on this topic until I see documented requirements.
 
Joined
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Professional Status
Retired Appraiser
State
Florida
cwd, Have you ever tried to open a door locked with one of those key necessary deadbolts? This would be no different than non-opening burglar bars and it is a safety issue. I'm thinking it would be just about impossible to come up with a list of ALL items that MIGHT be found that would be a safety issue and appraisers must consider common sense. Key only deadbolt is a safety issue as one cannot get out through that door without a key.
 
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