FHA Inspections

[jnieblas]

Hello Everyone,

I have a question in reference to the above, To perform the FHA inspections do you need a special form from HUD or would it be more like our regular inspection reports? If so where can I get this form?

Thank you all

[Chuck Lambert]

To do FHA inspections you have to be approved through FHA and use thier forms.

Chuck

[Christopher Currins]

Originally Posted by Chuck Lambert

To do FHA inspections you have to be approved through FHA and use thier forms.

Chuck

If that's true show me this "form" and a list of "approved" FHA inspectors.

[ldapkus]

Get all the info here Use this form

[Christopher Currins]

Originally Posted by ldapkus

Get all the info here

I'm on one of those list, thanks to a little help from you.

But to perform a home inspection for someone getting an FHA or VA loan you do not have to be approved or certified by anyone.

[ldapkus]

Not that I know of. FHA and VA have separate appraisers do the appraisals.

[Chuck Lambert]

Originally Posted by ccurrins

I'm on one of those list, thanks to a little help from you.

But to perform a home inspection for someone getting an FHA or VA loan you do not have to be approved or certified by anyone.

To do a FHA inspection for a bank or mortgage company on new construction you have to be an approved FHA inspector.

Chuck

[ldapkus]

Originally Posted by Chuck Lambert

To do a FHA inspection for a bank or mortgage company on new construction you have to be an approved FHA inspector.

Chuck

Got a list where can find these approved inspectors?

[bdoles2]

Originally Posted by ccurrins

I'm on one of those list, thanks to a little help from you.

But to perform a home inspection for someone getting an FHA or VA loan you do not have to be approved or certified by anyone.

So how many inspections has anyone done as a result of being on the "list"? Just curious.

[bdoles2]

Chris and Linas, have you guys taken the exam already?

[Chuck Lambert]

Originally Posted by ldapkus

Got a list where can find these approved inspectors?

Same link you posted and the same list you are on https://entp.hud.gov/idapp/html/insplook.cfm?in_fha=No

Chuck

[Stephen W. Stanczyk]

Originally Posted by Chuck Lambert

To do a FHA inspection for a bank or mortgage company on new construction you have to be an approved FHA inspector.

Chuck

Wrong.. FHA does not require anyone to be certified, tested, listed or anything else UNLESS you are working on a 203K rehabilitation loan. FHA does not require a home inspection, although they recommend one.

With new construction, the appraiser determines if the construction is completed or not. If it is not completed per the appraiser, the home must have a "final inspection" performed. That is usually the AHJ that issues the CO. If a "home inspector" or fee inspector files the final inspection, it must be done on HUD form 92051. I sure would not issue a "final inspection" as long as there is an AHJ that issues a CO. What would happen if a "home inspector" final inspection was performed and the AHJ did not issue a CO? Who is responsible? It sure won't be me for a 300-500 dollars.

[Chuck Lambert]

Originally Posted by sstanczyk

Wrong.. FHA does not require anyone to be certified, tested, listed or anything else UNLESS you are working on a 203K rehabilitation loan. FHA does not require a home inspection, although they recommend one.

With new construction, the appraiser determines if the construction is completed or not. If it is not completed per the appraiser, the home must have a "final inspection" performed. That is usually the AHJ that issues the CO. If a "home inspector" or fee inspector files the final inspection, it must be done on HUD form 92051. I sure would not issue a "final inspection" as long as there is an AHJ that issues a CO. What would happen if a "home inspector" final inspection was performed and the AHJ did not issue a CO? Who is responsible? It sure won't be me for a 300-500 dollars.

If the property is under construction and NOT 100% complete at time of appraisal:

• The appraiser must have a complete set of the plans and specifications and the Builder Certification in order to do the appraisal (as described in Section C).
• The appraiser will perform the appraisal and call for a final inspection to be completed by a FHA Fee Inspector; or, when applicable, the local authority or equivalent. The appraiser will make the following statement on the appraisal report: "Property under construction; complete according to submitted construction exhibits."
• When the final inspection is completed by a fee inspector, the inspection will include photographs as noted in Item 1 above along with a statement on the HUD-92051 as follows: "This is a newly completed dwelling that was not completed under HUD or VA inspections. The dwelling appears to be in conformance with the submitted construction exhibits." Please see: HUD Handbook 4145.1 Chapter 6-3.

Chuck

[Stephen W. Stanczyk]

Originally Posted by Chuck Lambert

If the property is under construction and NOT 100% complete at time of appraisal:

• The appraiser must have a complete set of the plans and specifications and the Builder Certification in order to do the appraisal (as described in Section C).
• The appraiser will perform the appraisal and call for a final inspection to be completed by a FHA Fee Inspector; or, when applicable, the local authority or equivalent. The appraiser will make the following statement on the appraisal report: "Property under construction; complete according to submitted construction exhibits."
• When the final inspection is completed by a fee inspector, the inspection will include photographs as noted in Item 1 above along with a statement on the HUD-92051 as follows: "This is a newly completed dwelling that was not completed under HUD or VA inspections. The dwelling appears to be in conformance with the submitted construction exhibits." Please see: HUD Handbook 4145.1 Chapter 6-3.

Chuck

Once again, why would a home inspector take the responsibility and liability of a "final inspection" where there is an AHJ responsible for that? And again, what happens if the AHJ says that no CO will be issued due to some unforeseen issue?

We are performing a home inspection, not an inspection for building completion purposes. Well beyond our SOP.

[Larry Losciale]

Guys!,
When you read "fee inspector" they are not talking about a HOme Inspector. They are talking about some one that does building code inspections in lue of the building dept. as excepted in some jurisdictions.

Larry