Fha Requirement For Layers Of Roof Shingles

To be specific the following has been taken from the hud handbook 4000 1 regarding the fha rules for the roof.

Fha requirement for layers of roof shingles.

Hud hoc reference guide roofs attics chapter 1 appraisal property requirements page 1 24. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. Ice dam along the eaves the underlayment shall. O some local codes may require 30 pound felt.

This of course is a judgment call that the appraiser is required to make. Remove the existing shingles then roof with new shingles. The condition of the roof is important as it s a major source of headaches for a home owner if there is a problem down the line. O low sloped shingle roofs 2 in 12 to 4 in 12 require 2 layers of 15 pound non perforated.

Roofs that already have two layers of 2 shingles should not be roofed again. It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value. Regardless of the slope. Appraisal requirements for fha mortgage loans are found in hud 40001 and include guidelines for electrical systems plumbing paint and also requirements for the roof.

Be cemented to the substrate and to each other to. A reader asks for an fha loan are there roof requirements on a detached garage or do the requirements solely apply to the roof over the home fha loan rules for property analysis can be found in hud 4150 2. Another thing to keep in mind is that the roof cannot have three layers of shingles or more. Here is a typical excerpt limiting the number of shingle layers on a residential roof to two.

O wherever there is a possibility of creating an. Fha single family housing policy handbook cited at references. Under the roof section we find the following. If it has that many layers certification is likely out of reach unless the whole roof is replaced.

Federal housing administration fha loans must meet safety. A federal housing administration loan or fha loan has very similar requirements to the va loan. Federal housing administration fha loans have requirements including minimum property standards which help protect lenders. Roof requirement for the fha mortgage loan this page updated and accurate as of october 5 2020 fha mortgage source among the most frequently asked questions that figure on most people s minds when it comes to borrowing an fha loan pertain to fha appraisals and the minimum qualifying criteria for the roof of the borrower s home.