Can FHA approve a house with roof issues?
Often only after the issues are repaired. FHA requires the roof to have a reasonable remaining life and no active leaks or visible failure.
What this actually means.
If the seller will not repair or replace, FHA usually doesn't work on that house. Switching to a conventional loan with a stronger appraisal sometimes salvages the deal — talk to your lender before walking.
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.