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What is a minor window crack?

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Wendy

Thread Starter
Senior Member
Joined
Feb 23, 2004
Professional Status
Certified Residential Appraiser
State
Florida
Per FHA/HUD minor window cracks are not cause to call for repair. Well, what is minor? Is this minor?

vwindowcrack.jpg


Edit to add: Window is above the kitchen counter and +/- 4' off the ground outside. No children in home. Owners are very elderly and very poor.
 
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redfish

Senior Member
Joined
Sep 2, 2007
Professional Status
Certified Residential Appraiser
State
Michigan
Minor.

All you can do is report what you see and identify deficiencies. Judgement call. The DE can disagree.
 

Wendy

Thread Starter
Senior Member
Joined
Feb 23, 2004
Professional Status
Certified Residential Appraiser
State
Florida
I think it is minor too. Just wanted a few other opinions. :D
 

Dennis

Sophomore Member
Joined
Jan 17, 2002
Professional Status
Licensed Appraiser
State
Alabama
Yes, its minor, but that does not matter. You see it, you report it, the DEU decides what to do.

I recently had a sale that had a boat load of 'minor' problems. It closed with no problems. Also had two refi's, both had 'minor' siding damage. Both had to be repaired and I did a CIR on both. If it were up to me, the two refi's would fly untouched and the sale would have had a lot of work done!
 

Wendy

Thread Starter
Senior Member
Joined
Feb 23, 2004
Professional Status
Certified Residential Appraiser
State
Florida
I'm reporting it - don't worry about that. I'm just calling for repair (but I am for all the peeling paint).
 

Scott R Marshall

Senior Member
Joined
Dec 14, 2006
Professional Status
Certified Residential Appraiser
State
New Mexico
This is per the FHA handbook 4150.2 under the FHA quicktips:

"Cosmetic repairs are not required; however they are to be considered in the overall condition rating and valuation of the property. Examples of cosmetic repair would include surface treatments, beautification or adornment not required for the preservation of the property. For example, generally, worn floor finishes or carpeting, holes in window screens, or a small crack in a windowpane are examples of deferred maintenance that do not rise to the level of required repair but must be reported by the appraiser"
 

Greg Bell

Senior Member
Joined
Jul 7, 2006
Professional Status
Gvmt Agency, FNMA, HUD, VA etc.
State
Louisiana
If a bird can fly through the window it's MPR..Yours is cosmetic..
 
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