Kent, Home Buyer in Augusta, KS

Is there any recourse for an FHA inspection that did not reveal problems that would have prevented the loan on the house from being insured by FHA?

Asked by Kent, Augusta, KS Wed Mar 17, 2010

Example problems: cable and spool electrical wiring, no insulation in walls, no venting for clothes dryer or bathroom exhaust fan.

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James Gordon…, Agent, Hamilton, OH
Thu Mar 18, 2010
Kent FHA allows knob and tube wiring. They even allow fuses if the service amperage is high enough. A hookup for a clothes dryer is not required by FHA. A place for a refrigerator is not even required but you do have to be able to hook up a stove. An Fha appraiser is not a home inspector. I am sure that your lender had you sign the form "for your protection get a home inspection". Fha comes right out and tells you that they do not have inspectors but appaisers.
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Rudy McDowell, Mortgage Broker Or Lender, Bloomfield Hills, MI
Wed Mar 17, 2010
Hi, Kent

None of those conditions are grounds for a home not to pass a FHA inspection. Unless its a condition that undermines the safety of the home (i.e. exposed electrical wiring, no hand rails, peeling paint, roof that has less than 3 years life in it, missing gutters, exposed foundation, and the like...) for the borrowers and security of the property as collateral for the loan/lender, than it won't be an immediate or significant issue/concern.
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Dan Chase, Home Buyer, Texas City, TX
Wed Mar 17, 2010
Look at your inspection contract you signed. Some things are excluded from liability. WHat the contract says determines the answer. If you have not already ask a real estate attorney, Not just any lawyer, one who specializes in real estate and knows the real situation.
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