FHA Loan Inspection

[Mike Jewett]

In Florida, does anyone know if a client is getting a FHA loan if there are certain qualifications an inspector has to meet? Like FHA certified or something like that?

[Stephen W. Stanczyk]

Not unless it is a 203K loan. FHA does not have any requirements for other loan programs.

[David P. Valley]

In Massachusetts, all FHA mortgagees quite simply need Form NPMA-33 for their mortgage company. I did three of these this week alone.

[Mike Jewett]

Thanks guys. In Florida, don't inspectors have to be licensed/certified specifically for WDO inspections?

[Gary L. Farnsworth, CMI]

This subject has been discussed in other threads throughout this message board. NPMA 33 is a wood destroying insect form. Most FHA lenders will accept any home inspection report; check with the lender.

[David P. Valley]

Originally Posted by gfarnsworth

This subject has been discussed in other threads throughout this message board. NPMA 33 is a wood destroying insect form. Most FHA lenders will accept any home inspection report; check with the lender.

Not true.

Most will not accept a typical home inspection WDI report. All my FHA clients state that their lender requires a NPMA 33 form, which I will provide on-site. Maybe its a geographic thing.....

[Gary L. Farnsworth, CMI]

Are we talking about wood destroying insect reports, or home inspection reports?

[David P. Valley]

Originally Posted by gfarnsworth

Are we talking about wood destroying insect reports, or home inspection reports?

FHA requires a WBI report (NPMA 33) for all their loans in my area. Most lenders could care less about the HI report alone.

[Gary L. Farnsworth, CMI]

Same here in Kansas. The "WDI" report has to be NPMA-33 for FHA loans. I use it for all of my WDI inspections anyway. Lenders here in KC also do not care who does the home inspection. Maybe they should.

[David P. Valley]

Gary,

Just to clarify...


You stated....

Originally Posted by gfarnsworth

Most FHA lenders will accept any home inspection report; check with the lender.

They will not accept any HI report.

They will accept anyone's NPMA-33 report.

[Mike Jewett]

I tried to find the post, as I know I saw it before, but no dice.

What I'm trying to determine is if:

1) Any standard HI report will do provided is is not a 203K loan, and

2) If I need a special license/certification in FL to do WDO/WDI inspections

[Gary L. Farnsworth, CMI]

I have performed over 1,200 FHA inspections, and not one complaint from any FHA lender on my home inspection reports. They only require the NPMA-33 for wood destroying insect inspections. At least, here in KC. The home inspection report is seperate from the termite/WDI report.

[Philip J. Cavalcante]

Originally Posted by sstanczyk

Not unless it is a 203K loan. FHA does not have any requirements for other loan programs.

Sorry for stepping on this post but how do you become a 203K inspector.

[Darren Spencer]

Originally Posted by pcavalcante

Sorry for stepping on this post but how do you become a 203K inspector.

Have a lender ask FHA that you be the lenders 203 inspector, then fill out the app they send you. You will then get a FEE#

[Stephen W. Stanczyk]

NPMA-33 must be a regional thing. Over 1,800 inspections and never filled one out. It does not meet the State standards for a WDO inspection report in Washington.