Agent2Agent in Phoenix>Question Details

B Chapman,  in Phoenix, AZ

Does FHA require that a private swimming pool be functioning as a condition of the loan?

Asked by B Chapman, Phoenix, AZ Thu Feb 12, 2009

I am the listing agent for a lender owned property. The buyer's agent claims that the home's swimming pool be fully functional in order for the buyer's FHA loan to go through. I cannot find any such requirement. Can anyone answer this question?

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Thank You David Hintz, B Chapman The appraiser is the one that does the inspections for FHA so you should listen to him.
1 vote Thank Flag Link Fri Feb 13, 2009
I'm an FHA approved appraiser in Michigan. An "in-ground pool" is real property and must be functional, just as all other mechanical equipment - valuable or not. Additionally, the water quality must be safe and the location of it must be safe - fencing, working gates if present, ledge railings, etc.... The pool can also be filled in to remove the potential hazard. Even if the pool is above ground personal property, there must be a fence (the pool wall is not a sufficient fence - per Philadelphia HUD.
0 votes Thank Flag Link Thu Oct 29, 2015
David Chamberlian - I am a local Appraiser, FHA approved, and I also do appraisals for Banks on their REO properties.
0 votes Thank Flag Link Fri Feb 13, 2009
FHA requires a home with a pool to have a working pool pump that is able to circulate the pool water. They also require that the pool has enough water in it so that the pump can effectively circulate the pool water.

FHA does not specifically test the water nor does it have a certain requirement as to the clarity to the water. They do however open up a gray area by stating that the level and quality of the water in the pool must not pose a health or safety risk. I.E. no mosquito infestations or algae!!

0 votes Thank Flag Link Thu Feb 12, 2009
Since there were conflicting answers I looked it up but could not find anything, I even went through recent appraisals. I would recomend calling a local FHA Appraiser.
0 votes Thank Flag Link Thu Feb 12, 2009
Yes it does have to be fully functional, same as with the heating/cooling system, water heater, plumbing, electrical system, garage door opener, and any other functioning aspects of the property. It would also be required to meet the Health and Safety requirements.
0 votes Thank Flag Link Thu Feb 12, 2009

My lender of 25 years of FHA experience says yes. Not only that, but the special self closing doors and all that jazz need to be operational (drowning prevention).

Hope This Helps You,

0 votes Thank Flag Link Thu Feb 12, 2009
No. The pool equipment does not have to be functioning for an FHA loan, but the pool must have clear water in the pool, which may require the pool equipment to be operational, unless you time it just right.

Call me for more details.

Buyer's Agent
0 votes Thank Flag Link Thu Feb 12, 2009
Call your favorite lender and ask them this question. Guidelines keep changing so what may have been fine with FHA 6 months ago is not necessarily ok today. I would also like to know the answer to the question.
Web Reference:
0 votes Thank Flag Link Thu Feb 12, 2009
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