What does an FHA appraiser look for?
Value support based on comparable sales, plus property condition: safety, security, and structural integrity. Common flags include peeling paint on older homes, roof issues, broken systems, and exposed wiring.
What this actually means.
The FHA appraiser is not doing a full home inspection. They confirm value and flag defects that violate HUD's minimum property standards. Health and safety items have to be cured before closing.
Where this can move.
Property condition, repair requirements, condo project approval status, and seller willingness to address flagged repairs can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.