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.
Plain-English explanation
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.
What can change the answer?
Property condition, repair requirements, condo project approval status, and seller willingness to address flagged repairs can change the answer.
Related
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Appraisal
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.