If wood-destroying termites have actively infested a home, the FHA wants verification that a licensed, professional pest control company has treated the home. The infestation must be inactive and any structural damage caused by the insects must be repaired prior to clearance by the appraiser. The FHA requires â€œmaximum assurancesâ€ a home is â€œfree of any infestation.â€
According to the U.S. Department of Housing and Urban Development, all homes should have â€œdomestic hot water, continuing and sufficient supply of potable water under adequate pressure and of appropriate quality for all household uses, sanitary facilities and a safe method of sewage disposal.â€ Any home that has access to public water and/or sewage should be attached to the system unless hookup would involve an unreasonable cost of more than 3 percent of the homeâ€™s value. Wells that provide water to the home must be at least 50 feet away from a septic tank and 100 feet away from a septic tank drain field. The well must also be located no less than 10 feet from a property line. Septic systems must be in good repair and in accordance with local health policies or Environmental Protection Agency maximum contaminant levels.
The home and grounds must be free and clear of toxic or radioactive chemicals and pollutants. Peeling, cracking or damaged lead paint in homes built before 1978 has to be repainted, sealed or replaced.
The soil must be stable in order to maintain the structural integrity of the home. Adequate water drainage is important, and the home must be safe from flooding and erosion. There can be no standing water next to the homeâ€™s foundation.
All bedrooms must have direct access to the outside in case of emergencies such as fire. Access for pedestrians and vehicles from the home to the road needs to be clear. All streets need to be in good repair.
All walls must be straight and without bulging, bowing or twisting. Structural cracks in walls, the basement or the foundation require additional inspection and repair. Roofs need to be in good repair and free of leaks. Roofs with more than three layers of shingles must be replaced.
Heating, air conditioning, electrical and plumbing systems must be operational and properly maintained. They must have been installed according to local building code and be safe to operate. Components need adequate protection from the elements.
source : http://homeguides.sfgate.com/fha-loan-inspection-checklist-6935.html